Finland: Non-performing loans

The latest value from 2025 is 1.41 percent, a decline from 1.43 percent in 2024. In comparison, the world average is 3.64 percent, based on data from 88 countries. Historically, the average for Finland from 2007 to 2025 is 0.92 percent. The minimum value, 0.23 percent, was reached in 2007 while the maximum of 1.51 percent was recorded in 2019. See the global rankings for that indicator or use the country comparator to compare trends over time.

The percent non-performing loans in Finland reflects the health of the banking system. A higher percent of such loans shows that banks have difficulty collecting interest and principal on their credits. That may lead to less profits for the banks in Finland and, possibly, bank closures.

Definition: 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.