Bank capital to assets ratio in Finland
Finland: Bank capital to assets ratio was 6.3% in 2025. ▲ Rising
Bank capital to assets ratio in Finland, 2007–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
The most recent figure for bank capital to assets ratio in Finland is 6.3%, measured in 2025.
That represents a change of up 3.5% on the previous year and up 16.9% over ten years.
Over the whole period, bank capital to assets ratio in Finland peaked at 7.8% in 2018 and was at its lowest, 3.6%, in 2011.
Finland ranks 121st of 146 countries on this measure, in the bottom quarter.
The long-run direction has been consistently rising across the 19 years of available data.
Bank capital to assets ratio in Finland, year by year
| Year | % | Change |
|---|---|---|
| 2007 | 6.1% | — |
| 2008 | 5.0% | -16.9% |
| 2009 | 4.8% | -5.7% |
| 2010 | 4.3% | -10.5% |
| 2011 | 3.6% | -14.5% |
| 2012 | 4.0% | +9.7% |
| 2013 | 4.1% | +2.4% |
| 2014 | 4.4% | +6.3% |
| 2015 | 5.4% | +24.5% |
| 2016 | 6.6% | +21.1% |
| 2017 | 5.5% | -16.5% |
| 2018 | 7.8% | +42.9% |
| 2019 | 5.9% | -24.9% |
| 2020 | 6.1% | +4.4% |
| 2021 | 6.1% | -0.4% |
| 2022 | 5.7% | -6.2% |
| 2023 | 5.8% | +1.0% |
| 2024 | 6.1% | +5.7% |
| 2025 | 6.3% | +3.5% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 5.3% | 4.8% | 6.1% | 3 |
| 2010s | 5.2% | 3.6% | 7.8% | 10 |
| 2020s | 6.0% | 5.7% | 6.3% | 6 |
Countries ranked near Finland
More financial sector data for Finland
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 13.76 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.0239 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 1,340 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 8.46 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 2,109 SDR per person (2025)
- Total reserves (gold at market value) (SDR), annual growth rate 18.85 % change on previous year (2025)
- Total reserves (gold at market value) (SDR), per capita 2,904 SDR per person (2025)
- Total reserves (gold at national valuation) (SDR), annual growth rate 18.43 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 2,894 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 20.38 % change on previous year (2025)
Frequently asked questions
- What is bank capital to assets ratio in Finland?
- Bank capital to assets ratio in Finland was 6.3% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank capital to assets ratio recorded in Finland?
- The highest recorded value was 7.8% in 2018.
- What is the lowest bank capital to assets ratio recorded in Finland?
- The lowest recorded value was 3.6% in 2011.
- How does Finland rank for bank capital to assets ratio?
- Finland ranks 121st out of 146 countries with data for 2025.
- Is bank capital to assets ratio rising or falling in Finland?
- Over the last ten years it is up 16.9%. The long-run trend across the full record is rising.
- Where does this Finland data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank capital to assets ratio (%). Statizoid updates them automatically from the source API.
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CSV · JSON — 19 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
The indicator is a measure of capital adequacy that evaluates the financial strength of deposit takers by comparing Tier 1 capital to total assets. Tier 1 capital, often referred to as core capital, includes the most stable and readily available forms of capital, such as common equity, disclosed reserves, retained earnings, and certain other instruments that meet regulatory requirements under the Basel framework. This capital is considered the highest quality because it is fully available to cover losses and does not need to be repaid.