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Loans to non-MFIs, by interest rate linkage

Finnish MFI euro-denominated loans to euro area non-MFIs

In addition to new loans, new business includes agreements concluded as a result of renegotiating the terms and conditions of existing loans.

Non-financial corporations also include housing corporations and households also include non-profit institutions serving households (NPISH).

Non-MFIs include all other sectors than MFIs, in other words non-financial corporations, households, other financial corporations and general government.


Period	Loans linked to Euribor		Loans linked to banks' own reference rates		Loans with fixed interest rates		Loans linked to other rates (1)		Total loans
	Stock		Stock		Stock		Stock		Stock
	Eur million	Middlerate, %	Eur million	Middlerate, %	Eur million	Middlerate, %	Eur million	Middlerate, %	Eur million	Middlerate, %
November 2025	237,168	3.21	9,116	3.93	27,121	2.88	9,538	2.43	284,818	3.18
October 2025	236,442	3.22	9,201	3.94	26,712	2.88	9,532	2.41	283,666	3.19
September 2025	235,940	3.25	9,213	3.96	26,723	2.90	9,325	2.43	282,983	3.21
August 2025	235,950	3.29	9,272	4.02	26,721	2.90	9,315	2.41	283,033	3.25
July 2025	234,986	3.34	9,322	4.08	26,757	2.89	9,270	2.42	282,041	3.29
June 2025	234,648	3.42	9,374	4.11	27,439	2.89	9,280	2.41	282,662	3.36
May 2025	233,850	3.57	9,478	4.28	27,357	2.89	9,276	2.39	281,922	3.49
April 2025	233,231	3.68	9,597	4.38	27,051	2.87	9,254	2.40	281,038	3.58
March 2025	233,318	3.80	9,760	4.61	26,500	2.88	9,241	2.39	280,689	3.69
February 2025	232,681	3.92	9,899	4.67	26,382	2.88	9,292	2.40	280,104	3.80
January 2025	232,624	4.00	10,032	4.75	26,275	2.88	9,290	2.43	280,052	3.87
December 2024	232,089	4.10	10,056	4.83	26,689	2.81	9,240	2.42	279,996	3.95
November 2024	233,727	4.29	10,421	4.98	26,698	2.80	9,214	2.43	281,961	4.11
October 2024	232,878	4.40	10,783	5.06	26,798	2.80	9,184	2.43	281,480	4.21
September 2024	232,684	4.52	11,022	5.04	26,533	2.84	9,164	2.43	281,211	4.31
August 2024	231,483	4.63	11,384	5.12	26,923	2.85	9,222	2.42	280,787	4.40
July 2024	231,065	4.68	11,593	5.13	26,826	2.81	9,231	2.42	280,397	4.45
June 2024	231,706	4.72	11,553	5.14	26,725	2.78	9,224	2.41	281,017	4.48
May 2024	231,633	4.76	11,547	5.19	26,916	2.74	9,226	2.36	281,056	4.51
April 2024	230,708	4.78	11,657	5.17	27,497	2.66	9,206	2.33	280,850	4.51
March 2024	231,520	4.79	11,543	5.20	26,850	2.69	9,191	2.29	280,970	4.52
February 2024	231,674	4.80	11,558	5.23	26,318	2.65	9,136	2.23	280,462	4.53
January 2024	231,674	4.79	11,547	5.25	26,163	2.63	9,195	2.19	280,373	4.52
December 2023	238,332	4.69	11,441	5.21	19,663	3.02	8,600	2.24	280,051	4.52
November 2023	238,556	4.65	11,298	5.06	19,387	2.98	8,557	2.07	279,665	4.47
October 2023	238,070	4.58	11,145	5.09	19,366	2.94	8,465	2.06	278,836	4.41
September 2023	238,470	4.47	10,941	5.02	19,502	2.88	8,466	2.03	279,222	4.31
August 2023	238,345	4.34	10,755	5.00	19,115	2.82	8,505	2.00	278,428	4.19
July 2023	238,620	4.20	10,667	4.90	18,909	2.70	8,351	1.98	278,236	4.05
June 2023	239,011	4.02	10,459	4.84	18,914	2.66	8,333	1.95	278,556	3.89
May 2023	238,616	3.73	10,534	4.40	19,236	2.60	8,338	1.83	278,551	3.62
April 2023	238,749	3.49	10,384	4.34	19,391	2.54	8,322	1.78	278,767	3.40
March 2023	239,033	3.25	10,076	4.11	19,057	2.41	8,350	1.74	278,401	3.18
February 2023	239,319	2.97	9,977	3.85	18,809	2.36	8,345	1.74	278,369	2.93
January 2023	239,447	2.77	10,030	3.47	19,038	2.30	8,786	1.58	279,252	2.73
December 2022	239,970	2.55	9,896	3.31	19,048	2.23	8,382	1.63	279,511	2.52
November 2022	241,379	2.17	9,923	3.00	18,559	2.23	8,444	1.60	280,454	2.18
October 2022	241,875	1.92	9,798	2.85	18,368	2.13	7,604	1.66	279,847	1.96
September 2022	241,488	1.66	9,826	2.35	18,297	2.06	7,595	1.63	279,307	1.71
August 2022	241,587	1.40	9,760	2.13	18,079	1.99	7,742	1.58	279,207	1.47
July 2022	238,888	1.29	9,718	2.07	18,177	1.94	7,895	1.54	276,715	1.37
June 2022	237,822	1.22	9,712	2.05	18,769	1.83	7,824	1.55	276,192	1.30
May 2022	235,908	1.15	9,527	1.98	17,910	1.89	6,644	1.80	272,011	1.24
April 2022	235,159	1.11	9,642	1.96	17,789	1.86	6,684	1.79	271,318	1.21
March 2022	234,515	1.10	9,736	1.93	17,750	1.83	6,809	1.74	270,776	1.20
February 2022	234,111	1.10	9,691	1.95	17,369	1.83	6,883	1.79	270,004	1.20
January 2022	233,549	1.10	9,797	1.97	17,444	1.81	6,925	1.76	269,649	1.20

(1) "Loans linked to other rates" include, among others, loans linked to base rate and to market interest rates other than euribor.

The 13 most recent monthly observations are provisional.

Report updated 7 Jan 2026

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