Corporate Banking in Finland
RAROC profiles and pricing benchmarks for 1 Finland banks, sourced from Pillar 3 disclosures.
Last updated: March 2026 · Data source: public Pillar 3 disclosures
Banks tracked
1
Headquartered in Finland
Total corporate EAD
EUR 163bn
Combined exposure
Avg cost-to-income
46.0%
Operating efficiency
Avg corporate PD
1.75%
Probability of default
Overview
OpenRAROC tracks 1 banks headquartered in Finland with a combined corporate credit exposure of EUR 163bn. The average Finland bank in our dataset has a cost-to-income ratio of 46.0% and an average corporate probability of default of 1.75%. On a representative BBB+ EUR 25M 5-year term loan, these banks generate an average RAROC of 7.73%.
Cheapest vs most expensive in Finland
On the standard sample deal, Nordea is the cheapest lender in Finland, requiring just 241bp to hit a 12% RAROC hurdle. The most expensive is Nordea at 241bp — a difference of 0bp on the same deal. For a EUR 25M facility, that's EUR 0 per year in interest expense.
All 1 banks ranked by RAROC
RAROC computed on a representative BBB+ rated, 5-year, EUR 25M term loan at 150bp spread. Click any bank for its full profile.
| # | Bank | C/I | Avg PD |
LGD | EAD | RAROC | Min spread |
| 1 | Nordea | 46.0% | 1.75% | 29.8% | EUR 163bn | 7.73% | 241bp |
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FAQ: corporate banking in Finland
How many banks in Finland does OpenRAROC cover?
OpenRAROC tracks 1 banks headquartered in Finland, with a combined corporate credit exposure of EUR 163bn reported in their most recent Pillar 3 CR6 disclosures.
Which Finland bank has the tightest corporate credit pricing?
On a representative BBB+ EUR 25M 5-year term loan, Nordea requires the lowest minimum spread to clear a 12% RAROC hurdle (241bp), making it the cheapest lender in the Finland cohort on that specific deal.
What is the average cost-to-income ratio of Finland banks?
The 1 Finland banks in the dataset report an average cost-to-income ratio of 46.0% and an EAD-weighted average corporate probability of default of 1.75%.
How is RAROC calculated for Finland banks?
Each bank is priced on the same BBB+ EUR 25M 5-year term loan, using its own disclosed cost-to-income, effective tax rate, funding spread, and IRB-approach PD/LGD parameters. See the methodology page for the full formula.