Corporate Banking in Finland

RAROC profiles and pricing benchmarks for 1 Finland banks, sourced from Pillar 3 disclosures.

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

Other countries