Bank nonperforming loans to total gross loans (%) in Finland
Finland: Bank nonperforming loans to total gross loans (%) was 1.4% in 2025. ▲ Rising
Bank nonperforming loans to total gross loans in Finland, 2007–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
Finland recorded 1.4% for bank nonperforming loans to total gross loans in 2025.
Compared with earlier readings it is down 0.9% on the previous year and up 51.6% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Finland peaked at 1.5% in 2019 and was at its lowest, 0.2%, in 2007.
Finland ranks 129th of 151 countries on this measure, in the bottom quarter.
The long-run direction has been consistently rising across the 19 years of available data.
Bank nonperforming loans to total gross loans (%) in Finland, year by year
| Year | % | Change |
|---|---|---|
| 2007 | 0.2% | — |
| 2008 | 0.4% | +80.8% |
| 2009 | 0.6% | +39.2% |
| 2010 | 0.5% | -11.3% |
| 2011 | 0.5% | -9.8% |
| 2012 | 0.4% | -2.5% |
| 2013 | 0.4% | -1.0% |
| 2014 | 0.8% | +92.3% |
| 2015 | 0.9% | +10.0% |
| 2016 | 1.0% | +12.3% |
| 2017 | 0.7% | -30.7% |
| 2018 | 1.0% | +30.9% |
| 2019 | 1.5% | +58.6% |
| 2020 | 1.5% | -3.8% |
| 2021 | 1.5% | +1.4% |
| 2022 | 1.4% | -8.1% |
| 2023 | 1.3% | -4.7% |
| 2024 | 1.4% | +10.8% |
| 2025 | 1.4% | -0.9% |
Finland compared with similar countries
- Finland's 1.4% is below the median for high income countries, which is 2.0%, 70% of the median. (58 countries reporting)
- Finland's 1.4% is below the median for Europe & Central Asia, which is 2.2%, 63% of the median. (48 countries reporting)
Biggest year-on-year movements
Years where Bank nonperforming loans to total gross loans (%) in Finland changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2014 | +92.3% | 0.4% | 0.8% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 0.4% | 0.2% | 0.6% | 3 |
| 2010s | 0.8% | 0.4% | 1.5% | 10 |
| 2020s | 1.4% | 1.3% | 1.5% | 6 |
Countries ranked near Finland
More financial sector data for Finland
- Reserve position in the IMF, US dollar, annual growth rate 7.97 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 151.59 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 2.82 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 110.69 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 7.97 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 151.59 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 2.82 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Finland?
- Bank nonperforming loans to total gross loans in Finland was 1.4% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Finland?
- The highest recorded value was 1.5% in 2019.
- What is the lowest bank nonperforming loans to total gross loans recorded in Finland?
- The lowest recorded value was 0.2% in 2007.
- How does Finland rank for bank nonperforming loans to total gross loans?
- Finland ranks 129th out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Finland?
- Over the last ten years it is up 51.6%. 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 nonperforming loans to total gross loans (%). Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 19 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.