Financing and Insurance

Outstanding credit by borrower sector
Market rates of interest
Stock of deposits and loans by monetary financial institutions
New loans by monetary financial institutions
Households' indebtedness
Banks' profit/loss for the financial year
Share turnover at Helsinki Stock Exchange
OMX share indices (28.12.1990 = 1 000)
Exchange rates

Outstanding credit by borrower sector

End of year	Non-financial corporations	General government	Households	Rest of the world	Other	Total
End of year	€ million
1980	15 944	2 842	8 533	614	4 166	32 099
1981	18 217	3 140	10 078	514	4 500	36 449
1982	21 141	3 696	11 921	489	5 709	42 956
1983	23 781	4 539	13 863	775	7 374	50 332
1984	26 696	4 796	15 915	2 340	8 313	58 060
1985	27 420	4 500	18 230	1 364	12 025	63 539
1986	30 814	4 792	20 664	2 104	14 035	72 409
1987	34 224	5 225	24 565	2 392	15 437	81 843
1988	39 583	5 602	31 509	3 522	17 392	97 608
1989	45 508	6 451	35 849	4 492	20 195	112 495
1990	52 700	6 683	37 618	5 817	20 870	123 688
1991	55 272	7 801	38 215	6 262	22 988	130 538
1992	53 000	9 436	37 011	6 355	21 902	127 704
1993	48 520	11 611	34 948	6 014	19 714	120 807
1994	42 053	15 626	33 254	4 691	19 543	115 167
1995	37 603	20 689	31 846	4 552	19 414	114 104
1996	35 307	24 475	30 814	7 849	19 099	117 544
1997	32 658	28 072	31 141	9 686	20 916	122 473
1998	33 988	31 340	33 381	11 423	21 932	132 065
1999	36 599	30 081	36 865	18 232	22 191	143 968
2000	36 566	24 195	39 746	31 449	22 820	154 776
2001	36 953	18 054	42 833	35 579	22 791	156 211
2002	38 589	11 577	47 088	36 735	22 401	156 391
2003	40 120	10 865	53 199	38 941	24 403	167 528
2004	41 259	10 074	60 167	44 086	25 537	181 123
2005	42 910	10 779	69 066	49 033	28 001	199 791
2006	44 889	10 325	77 883	50 775	31 912	215 785
2007	49 421	11 155	86 578	46 313	33 378	226 846
2008	62 488	11 032	93 117	54 081	36 138	256 856

Source: Statistics Finland, Financial statistics

Table in Excel format suoluk_raho1.xls

Last Modified: 18.11.2009

Market rates of interest

	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009
Euribor rates	%
1 month	4,244	4,335	3,306	2,346	2,081	2,144	2,945	4,080	4,276	0,888
3 months	4,400	4,267	3,320	2,330	2,107	2,186	3,083	4,277	4,644	1,218
12 months	4,789	4,086	3,493	2,334	2,274	2,335	3,440	4,449	4,826	1,610
Yields on government bonds
5 years	5,27	4,54	4,41	3,28	3,25	2,85	3,59	4,18	3,88	2,70
10 years	5,49	5,04	4,98	4,13	4,11	3,35	3,78	4,29	4,30	3,74

Source: Bank of Finland

Table in Excel format suoluk_raho3.xls

Last Modified: 19.1.2010

Stock of deposits and loans ¹⁾ by monetary financial institutions

End of year	2005		2006		2007		2008		2009*
End of year	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %
Public's deposits from the euro area	81 325	1,18	83 557	1,80	95 131	2,63	107 425	2,50	108 720	0,74
Non-financial corporations and housing corporations	15 259	1,26	16 849	2,10	21 263	2,86	24 185	2,27	24 631	0,47
Households ²⁾	56 889	1,01	58 180	1,50	65 279	2,41	73 737	2,54	74 023	0,80
Loans to the public in the euro area	113 540	3,54	126 667	4,49	141 464	5,29	158 105	5,04	160 313	2,45
Non-financial corporations and housing corporations	39 452	3,43	42 875	4,38	48 386	5,19	57 594	4,84	54 093	2,34
Households ²⁾	69 044	3,64	77 954	4,60	86 578	5,41	93 416	5,23	98 388	2,52
Housing loans	48 489	3,22	55 307	4,19	62 172	4,99	67 632	4,83	71 860	2,12
Consumer credit and other loans	20 555	4,64	22 648	5,61	24 406	6,48	25 783	6,28	26 527	3,64
1) Euro-denominated 2) Incl. non-profit institutions serving households * preliminary data

Source: Bank of Finland

Table in Excel format suoluk_raho4.xls

Last Modified: 10.3.2010

New loans by monetary financial institutions ¹⁾

	2005		2006		2007		2008		2009*
	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %
To non-financial corporations and housing corporations	48 465	3,51	52 231	4,26	64 048	5,22	78 859	5,37	74 945	2,51
Overdrafts	16 758	4,17	17 796	4,82	21 350	5,68	24 491	5,77	24 095	2,74
To households ²⁾	58 336	5,62	62 844	6,48	69 172	7,77	71 201	8,57	67 035	6,24
Overdrafts and credit card credits	23 831	9,15	26 912	9,96	31 257	11,32	35 604	11,97	40 055	8,66
Housing loans	25 957	2,99	27 000	3,72	28 931	4,71	26 669	5,01	19 739	2,45
Consumer credit	3 807	4,15	3 863	4,56	3 748	5,61	3 918	5,84	3 289	3,69
Other loans	4 740	3,41	5 069	4,09	5 237	5,04	5 010	5,41	3 952	2,98
1) Euro-denominated to the public in the euro area 2) Incl. non-profit institutions serving households * preliminary data

Source: Bank of Finland

Table in Excel format suoluk_raho5.xls

Last Modified: 10.3.2010

Households' indebtedness

Year	Housing loans	Consumer credits and study loans	Other loans	Total
Year	% of disposable income
1985	35	11	16	61
1986	36	12	17	65
1987	39	14	18	71
1988	46	18	22	86
1989	48	17	22	87
1990	46	17	21	85
1991	45	16	19	80
1992	43	15	17	76
1993	42	14	17	73
1994	43	14	16	72
1995	38	13	13	64
1996	38	12	12	62
1997	36	12	11	59
1998	38	12	10	60
1999	40	12	10	62
2000	42	13	10	65
2001	44	12	9	65
2002	47	13	9	68
2003	51	13	9	73
2004	56	13	9	79
2005	64	15	10	89
2006	70	15	11	97
2007	75	15	11	101
2008*	77	16	10	104
* preliminary data

Source: Statistics Finland, Financial statistics

Table in Excel format suoluk_raho8.xls

Last Modified: 18.11.2009

Banks' profit/loss for the financial year

	Profit/loss
	€ billion
1985	0,13
1986	0,18
1987	0,18
1988	0,44
1989	0,21
1990	0,32
1991	-1,06
1992	-3,45
1993	-1,84
1994	-1,47
1995	-0,47
1996	0,36
1997	0,81
1998	0,67
1999	0,91
2000	1,31
2001	4,14
2002	1,09
2003	2,63
2004	1,32
2005	1,94
2006	1,98
2007	2,67
2008	1,75
2009	1,43

Source: Statistics Finland, Financial statistics

Table in Excel format suoluk_raho2.xls

Last Modified: 18.3.2010

Share turnover at Helsinki Stock Exchange

	Value of share turnover
	€ billion	No. million
1991	1,1	141
1992	1,7	264
1993	7,6	918
1994	11,5	916
1995	14,0	1 063
1996	17,0	1 431
1997	30,3	1 871
1998	51,6	2 237
1999	103,6	3 555
2000	225,8	6 326
2001	201,5	10 701
2002	187,2	13 573
2003	144,7	12 388
2004	179,9	15 841
2005	223,4	18 508
2006	287,9	18 859
2007	394,5	21 220
2008	269,2	18 685
2009	130,7	15 311

Source: NASDAQ OMX Helsinki

Table in Excel format suoluk_raho6.xls

Last Modified: 9.3.2010

OMX share indices (28.12.1990 = 1 000)

	2002	%¹⁾	2003	%¹⁾	2004	%¹⁾	2005	%¹⁾	2006	%¹⁾	2007	%¹⁾	2008	%¹⁾	2009	%¹⁾
OMX Helsinki	6 611	-22,6	5 671	-14,2	6 096	7,5	7 158	17,4	8 921	24,6	11 106	24,5	8 459	-23,8	5 673	-32,9
OMX Helsinki Cap	2 747	-9,4	2 528	-8,0	3 050	20,6	3 810	24,9	4 815	26,4	5 876	22,0	4 323	-26,4	3 167	-26,7
1) Annual change.

Source: Bank of Finland

Table in Excel format suoluk_raho7.xls

Last Modified: 19.1.2010

Exchange rates

Average exchange rate of euro			2000	2001	2002	2003	2004	2005	2006	2007	2008	2009
United States	USD	=	0,9236	0,8956	0,9456	1,1312	1,2439	1,2441	1,2556	1,3705	1,4708	1,3948
Canada	CAD	=	1,3706	1,3864	1,4838	1,5817	1,6167	1,5087	1,4237	1,4678	1,5594	1,5850
United Kingdom	GBP	=	0,60948	0,62187	0,62883	0,69199	0,67866	0,68380	0,68173	0,68434	0,79628	0,89094
Sweden	SEK	=	8,4452	9,2551	9,1611	9,1242	9,1243	9,2822	9,2544	9,2501	9,6152	10,6191
Norway	NOK	=	8,1129	8,0484	7,5086	8,0033	8,3697	8,0092	8,0472	8,0165	8,2237	8,7278
Denmark	DKK	=	7,4538	7,4521	7,4305	7,4307	7,4399	7,4518	7,4591	7,4506	7,4560	7,4462
Iceland	ISK	=	72,59	87,42	86,18	86,65	87,14	78,23	87,76	87,63	²) 146,25
Switzerland	CHF	=	1,5579	1,5105	1,4670	1,5212	1,5438	1,5483	1,5729	1,6427	1,5874	1,5100
Estonia	EEK	=	15,6466	15,6466	15,6466	15,6466	15,6466	15,6466	15,6466	15,6466	15,6466	15,6466
Czech Republic	CZK	=	35,599	34,068	30,804	31,846	31,891	29,782	28,342	27,766	24,946	26,435
Latvia	LVL	=	. .	0,5601	0,5810	0,6407	0,6652	0,6962	0,6962	0,7001	0,7027	0,7057
Lithuania	LTL	=	. .	3,5823	3,4594	3,4527	3,4529	3,4528	3,4528	3,4528	3,4528	3,4528
Poland	PLN	=	4,0082	3,6721	3,8574	4,3996	4,5268	4,0230	3,8959	3,7837	3,5121	4,3276
Russia	RUB	=	25,9915	26,1341	29,7263	34,6581	35,8105	35,1860	34,1109	35,0183	36,4207	44,1376
Turkey	TRL/TRY ¹)	=	. .	1 102 425	1 439 680	1 694 851	1 777 052	I 1,6771	1,8089	1,7865	1,9064	2,1631
Japan	JPY	=	99,47	108,68	118,06	130,97	134,44	136,85	146,02	161,25	152,45	130,34
South Africa	ZAR	=	6,5981	7,6873	9,9072	8,5317	8,0092	7,9183	8,5312	9,6596	12,0590	11,6737
Australia	AUD	=	1,5889	1,7319	1,7376	1,7379	1,6905	1,6320	1,6668	1,6348	1,7416	1,7727
¹) From 2005 onwards, 1 000 000 TRL = 1 TRY ²) 1.1. - 9.12.2008