Private Credit-to-GDP Gap (Quarterly): Finland
The latest reading SOTW holds for Finland is -21.09 percentage points of GDP for 2026-Q1, from Bank for International Settlements.
Reviewed series · Credit & Debt · Quarterly · percentage points of GDP · BIS.CREDIT.GAP.Q · FIN
Published private credit-to-GDP ratio minus its one-sided Hodrick-Prescott-filtered long-run trend. Displayed in percentage points of GDP, not a percentage growth rate. BIS gaps can differ from national authorities' countercyclical-buffer gaps. This statistical measure alone is not a crisis prediction or investment recommendation. BIS statistics are freely sourced and their inclusion must not result in any additional charge to users. BIS attribution is required; resale is not permitted by SOTW's rights policy. Collection time is not the original publication timestamp. Source dimensions, unit multipliers, confidentiality and observation flags are retained. Terms: https://data.bis.org/help/legal
This is a reviewed series. Open it in the interactive economic data explorer to choose dates, compare countries and see its source evidence and recorded history.
- Latest
- -21.09
- percentage points of GDP · 2026-Q1
- Previous
- -19.08
- percentage points of GDP · 2025-Q4
- Earliest held
- -16.46
- percentage points of GDP · 2000-Q1
- Readings shown
- 105
- Every reading SOTW holds
Finland · history
percentage points of GDP · Quarterly
Readings, newest first
| Period | Value (percentage points of GDP) |
|---|---|
| 2026-Q1 | -21.09 |
| 2025-Q4 | -19.08 |
| 2025-Q3 | -18.55 |
| 2025-Q2 | -18.42 |
| 2025-Q1 | -18.46 |
| 2024-Q4 | -17.91 |
| 2024-Q3 | -16.99 |
| 2024-Q2 | -16.37 |
| 2024-Q1 | -16.33 |
| 2023-Q4 | -15.98 |
| 2023-Q3 | -16.26 |
| 2023-Q2 | -15.24 |
| 2023-Q1 | -13.59 |
| 2022-Q4 | -10.65 |
| 2022-Q3 | -10.38 |
| 2022-Q2 | -9.23 |
| 2022-Q1 | -7.77 |
| 2021-Q4 | -7.37 |
| 2021-Q3 | -5.26 |
| 2021-Q2 | -3.62 |
| 2021-Q1 | -1.45 |
| 2020-Q4 | -3.07 |
| 2020-Q3 | -4.18 |
| 2020-Q2 | -4.86 |
| 2020-Q1 | -8.55 |
| 2019-Q4 | -8.85 |
| 2019-Q3 | -6.82 |
| 2019-Q2 | -6.15 |
| 2019-Q1 | -4.10 |
| 2018-Q4 | -4.20 |
| 2018-Q3 | -1.70 |
| 2018-Q2 | -0.85 |
| 2018-Q1 | -0.99 |
| 2017-Q4 | 0.19 |
| 2017-Q3 | -0.02 |
| 2017-Q2 | -1.38 |
| 2017-Q1 | -2.35 |
| 2016-Q4 | -3.33 |
| 2016-Q3 | -0.10 |
| 2016-Q2 | 3.14 |
| 2016-Q1 | 5.84 |
| 2015-Q4 | 10.45 |
| 2015-Q3 | 15.78 |
| 2015-Q2 | 14.89 |
| 2015-Q1 | 13.16 |
| 2014-Q4 | 10.01 |
| 2014-Q3 | 4.89 |
| 2014-Q2 | 5.56 |
| 2014-Q1 | 6.87 |
| 2013-Q4 | 8.73 |
| 2013-Q3 | 9.57 |
| 2013-Q2 | 11.01 |
| 2013-Q1 | 12.46 |
| 2012-Q4 | 9.19 |
| 2012-Q3 | 9.14 |
| 2012-Q2 | 9.82 |
| 2012-Q1 | 10.42 |
| 2011-Q4 | 10.70 |
| 2011-Q3 | 11.11 |
| 2011-Q2 | 12.65 |
| 2011-Q1 | 14.16 |
| 2010-Q4 | 14.74 |
| 2010-Q3 | 19.82 |
| 2010-Q2 | 23.36 |
| 2010-Q1 | 21.77 |
| 2009-Q4 | 19.55 |
| 2009-Q3 | 20.33 |
| 2009-Q2 | 24.48 |
| 2009-Q1 | 20.60 |
| 2008-Q4 | 16.97 |
| 2008-Q3 | 14.29 |
| 2008-Q2 | 12.20 |
| 2008-Q1 | 8.81 |
| 2007-Q4 | 9.81 |
| 2007-Q3 | 9.21 |
| 2007-Q2 | 9.72 |
| 2007-Q1 | 8.52 |
| 2006-Q4 | 8.04 |
| 2006-Q3 | 10.77 |
| 2006-Q2 | 10.19 |
| 2006-Q1 | 7.78 |
| 2005-Q4 | 4.76 |
| 2005-Q3 | 3.59 |
| 2005-Q2 | 3.92 |
| 2005-Q1 | 1.10 |
| 2004-Q4 | 1.00 |
| 2004-Q3 | 1.33 |
| 2004-Q2 | 1.49 |
| 2004-Q1 | -0.42 |
| 2003-Q4 | -1.89 |
| 2003-Q3 | -3.28 |
| 2003-Q2 | -4.23 |
| 2003-Q1 | -7.42 |
| 2002-Q4 | -8.24 |
| 2002-Q3 | -5.88 |
| 2002-Q2 | -5.29 |
| 2002-Q1 | -3.97 |
| 2001-Q4 | -11.07 |
| 2001-Q3 | -8.75 |
| 2001-Q2 | -7.30 |
| 2001-Q1 | -7.88 |
| 2000-Q4 | -7.85 |
| 2000-Q3 | -8.47 |
| 2000-Q2 | -14.49 |
| 2000-Q1 | -16.46 |
Source: Bank for International Settlements. All 105 readings held, 2000-Q1 to 2026-Q1. n/a means the source value is missing or withheld.