Finland Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Finland's non-performing loans was 1.20% in 2025, ranked 96th globally. This represents a 6.9% decrease from 2024. Data from World Bank, covering 2007–2025.
Overview
Finland's non-performing loans stood at 1.20% in 2025, a decline of +0.09pp from 2023. Based on recent trends, this figure is projected to reach 1.20% by 2025. Finland ranked 96th globally.
Finland’s non‑performing loan (NPL) ratio has risen steadily since the 2007 trough of 0.23%, reaching an all‑time peak of 1.51% in 2019 before easing to 1.20% in 2025, a level that places the country 96th globally. The 18‑year series shows the ratio more than quintupled over the period, reflecting tighter credit conditions and elevated corporate distress after the European sovereign‑debt crisis. Compared with peers of similar ranking, Finland’s NPL rate sits just below the Slovak Republic’s 1.24% and above Guatemala’s 1.16%, suggesting a moderate risk profile within the group. The post‑peak decline indicates that banks have been successful in restructuring stressed assets and improving underwriting standards, yet the ratio remains above the pre‑crisis trough. Continued macro‑economic stability, low unemployment and prudent loan‑loss provisioning are likely to keep the NPL ratio on a gradual downward trajectory, barring a sudden shock to the Finnish economy.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 1.15% | - | - |
| 2025* trend | 1.20% | - | - |
| 2025 | 1.20% | −0.09pp | #96 |
| 2023 | 1.29% | −0.06pp | #14 |
| 2022 | 1.35% | −0.12pp | #18 |
| 2021 | 1.47% | +0.02pp | #23 |
| 2020 | 1.45% | −0.06pp | #17 |
| 2019 | 1.51% | +0.56pp | #20 |
| 2018 | 0.95% | +0.22pp | #13 |
| 2017 | 0.73% | −0.32pp | #8 |
| 2016 | 1.05% | +0.12pp | #11 |
| 2015 | 0.93% | +0.08pp | #11 |
| 2014 | 0.85% | +0.41pp | #9 |
| 2013 | 0.44% | −0.00pp | #5 |
| 2012 | 0.45% | −0.01pp | #4 |
| 2011 | 0.46% | −0.05pp | #4 |
| 2010 | 0.51% | −0.06pp | #4 |
Detected Pattern
Analysis
Finland matched the Export Boom Cycle pattern in 2021. Historically, 71% of countries showing this pattern (546 out of 768) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Finland's non-performing loans was 1.20% in 2025. Ranked 96th globally. This represents a 6.9% decrease from the previous year.
Finland's non-performing loans peaked at 1.51% in 2019.
The lowest non-performing loans in Finland was 0.23% in 2007.
Finland ranks 96th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Finland's non-performing loans is projected to reach 1.20% by 2025 based on trend extrapolation.
The non-performing loans of Finland in 2025 was 1.20%. This ranks 96th in the world.
Cite this page
@misc{historysaid_finland_non-performing-loans,
title = {Finland Non-Performing Loans},
url = {https://historysaid.com/finland/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}