# Private non-financial credit-to-GDP gap in Finland

Private non-financial credit-to-GDP gap in Finland was -21.09 percentage points in Q1 2026 (estimated). Source: Bank for International Settlements.

- Indicator id: `private_nonfinancial_credit_gap`
- Place id: `fi`
- Unit: percentage points
- Definition: Difference in percentage points between private non-financial credit as a share of GDP and its long-run trend, estimated by the BIS with a one-sided, backward-looking Hodrick-Prescott filter. A level difference, not a percentage change.
- Note: BIS estimate. Can differ from the credit gap used by national authorities. It supports risk analysis; it is not an automatic lending or policy threshold.
- Source: Bank for International Settlements, BIS WS_CREDIT_GAP: P.A.C, quarterly, private nonfinancial credit gap (https://stats.bis.org/api/v2/data/dataflow/BIS/WS_CREDIT_GAP/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.P.A.C?format=csv&startPeriod=1970-Q1)
- Publisher page: https://invokely.ai/en/publishers/bis
- Retrieved: 2026-10-12
- License: BIS terms for statistics: attribution required; inclusion in commercial products must not add a charge to users; other conditions apply
- Citation: Bank for International Settlements (BIS), compiled from central bank and other national sources. BIS WS_CREDIT_GAP: P.A.C, quarterly, private nonfinancial credit gap. https://stats.bis.org/api/v2/data/dataflow/BIS/WS_CREDIT_GAP/1.0/Q.AD+AE+AF+AG+AI+AL+AM+AO+AQ+AR+AS+AT+AU+AW+AX+AZ+BA+BB+BD+BE+BF+BG+BH+BI+BJ+BL+BM+BN+BO+BQ+BR+BS+BT+BV+BW+BY+BZ+CA+CC+CD+CF+CG+CH+CI+CK+CL+CM+CN+CO+CR+CU+CV+CW+CX+CY+CZ+DE+DJ+DK+DM+DO+DZ+EC+EE+EG+EH+ER+ES+ET+FI+FJ+FK+FM+FO+FR+GA+GB+GD+GE+GF+GG+GH+GI+GL+GM+GN+GP+GQ+GR+GS+GT+GU+GW+GY+HK+HM+HN+HR+HT+HU+ID+IE+IL+IM+IN+IO+IQ+IR+IS+IT+JE+JM+JO+JP+KE+KG+KH+KI+KM+KN+KP+KR+KW+KY+KZ+LA+LB+LC+LI+LK+LR+LS+LT+LU+LV+LY+MA+MC+MD+ME+MF+MG+MH+MK+ML+MM+MN+MO+MP+MQ+MR+MS+MT+MU+MV+MW+MX+MY+MZ+NA+NC+NE+NF+NG+NI+NL+NO+NP+NR+NU+NZ+OM+PA+PE+PF+PG+PH+PK+PL+PM+PN+PR+PS+PT+PW+PY+QA+RE+RO+RS+RU+RW+SA+SB+SC+SD+SE+SG+SH+SI+SJ+SK+SL+SM+SN+SO+SR+SS+ST+SV+SX+SY+SZ+TC+TD+TF+TG+TH+TJ+TK+TL+TM+TN+TO+TR+TT+TV+TW+TZ+UA+UG+UM+US+UY+UZ+VA+VC+VE+VG+VI+VN+VU+WF+WS+YE+YT+ZA+ZM+ZW.P.A.C?format=csv&startPeriod=1970-Q1. Retrieved 2026-10-12.
- Web page: https://invokely.ai/en/private-nonfinancial-credit-gap/finland
- API: https://invokely.ai/api/v1/series?indicator=private_nonfinancial_credit_gap&place=fi

| Period | percentage points |
|---|---:|
| 2026-Q1 | -21.09 (estimated) |
| 2025-Q4 | -19.08 (estimated) |
| 2025-Q3 | -18.55 (estimated) |
| 2025-Q2 | -18.42 (estimated) |
| 2025-Q1 | -18.46 (estimated) |
| 2024-Q4 | -17.91 (estimated) |
| 2024-Q3 | -16.99 (estimated) |
| 2024-Q2 | -16.37 (estimated) |
| 2024-Q1 | -16.33 (estimated) |
| 2023-Q4 | -15.98 (estimated) |
| 2023-Q3 | -16.26 (estimated) |
| 2023-Q2 | -15.24 (estimated) |
| 2023-Q1 | -13.59 (estimated) |
| 2022-Q4 | -10.65 (estimated) |
| 2022-Q3 | -10.38 (estimated) |
| 2022-Q2 | -9.23 (estimated) |
| 2022-Q1 | -7.77 (estimated) |
| 2021-Q4 | -7.37 (estimated) |
| 2021-Q3 | -5.26 (estimated) |
| 2021-Q2 | -3.62 (estimated) |
| 2021-Q1 | -1.45 (estimated) |
| 2020-Q4 | -3.07 (estimated) |
| 2020-Q3 | -4.18 (estimated) |
| 2020-Q2 | -4.86 (estimated) |
| 2020-Q1 | -8.55 (estimated) |
| 2019-Q4 | -8.85 (estimated) |
| 2019-Q3 | -6.82 (estimated) |
| 2019-Q2 | -6.15 (estimated) |
| 2019-Q1 | -4.1 (estimated) |
| 2018-Q4 | -4.2 (estimated) |
| 2018-Q3 | -1.7 (estimated) |
| 2018-Q2 | -0.85 (estimated) |
| 2018-Q1 | -0.99 (estimated) |
| 2017-Q4 | 0.19 (estimated) |
| 2017-Q3 | -0.02 (estimated) |
| 2017-Q2 | -1.38 (estimated) |
| 2017-Q1 | -2.35 (estimated) |
| 2016-Q4 | -3.33 (estimated) |
| 2016-Q3 | -0.1 (estimated) |
| 2016-Q2 | 3.14 (estimated) |
| 2016-Q1 | 5.84 (estimated) |
| 2015-Q4 | 10.45 (estimated) |
| 2015-Q3 | 15.78 (estimated) |
| 2015-Q2 | 14.89 (estimated) |
| 2015-Q1 | 13.16 (estimated) |
| 2014-Q4 | 10.01 (estimated) |
| 2014-Q3 | 4.89 (estimated) |
| 2014-Q2 | 5.56 (estimated) |
| 2014-Q1 | 6.87 (estimated) |
| 2013-Q4 | 8.73 (estimated) |
| 2013-Q3 | 9.57 (estimated) |
| 2013-Q2 | 11.01 (estimated) |
| 2013-Q1 | 12.46 (estimated) |
| 2012-Q4 | 9.19 (estimated) |
| 2012-Q3 | 9.14 (estimated) |
| 2012-Q2 | 9.82 (estimated) |
| 2012-Q1 | 10.42 (estimated) |
| 2011-Q4 | 10.7 (estimated) |
| 2011-Q3 | 11.11 (estimated) |
| 2011-Q2 | 12.65 (estimated) |
| 2011-Q1 | 14.16 (estimated) |
| 2010-Q4 | 14.74 (estimated) |
| 2010-Q3 | 19.82 (estimated) |
| 2010-Q2 | 23.36 (estimated) |
| 2010-Q1 | 21.77 (estimated) |
| 2009-Q4 | 19.55 (estimated) |
| 2009-Q3 | 20.33 (estimated) |
| 2009-Q2 | 24.48 (estimated) |
| 2009-Q1 | 20.6 (estimated) |
| 2008-Q4 | 16.97 (estimated) |
| 2008-Q3 | 14.29 (estimated) |
| 2008-Q2 | 12.2 (estimated) |
| 2008-Q1 | 8.81 (estimated) |
| 2007-Q4 | 9.81 (estimated) |
| 2007-Q3 | 9.21 (estimated) |
| 2007-Q2 | 9.72 (estimated) |
| 2007-Q1 | 8.52 (estimated) |
| 2006-Q4 | 8.04 (estimated) |
| 2006-Q3 | 10.77 (estimated) |
| 2006-Q2 | 10.19 (estimated) |
| 2006-Q1 | 7.78 (estimated) |
| 2005-Q4 | 4.76 (estimated) |
| 2005-Q3 | 3.59 (estimated) |
| 2005-Q2 | 3.92 (estimated) |
| 2005-Q1 | 1.1 (estimated) |
| 2004-Q4 | 1 (estimated) |
| 2004-Q3 | 1.33 (estimated) |
| 2004-Q2 | 1.49 (estimated) |
| 2004-Q1 | -0.42 (estimated) |
| 2003-Q4 | -1.89 (estimated) |
| 2003-Q3 | -3.28 (estimated) |
| 2003-Q2 | -4.23 (estimated) |
| 2003-Q1 | -7.42 (estimated) |
| 2002-Q4 | -8.24 (estimated) |
| 2002-Q3 | -5.88 (estimated) |
| 2002-Q2 | -5.29 (estimated) |
| 2002-Q1 | -3.97 (estimated) |
| 2001-Q4 | -11.07 (estimated) |
| 2001-Q3 | -8.75 (estimated) |
| 2001-Q2 | -7.3 (estimated) |
| 2001-Q1 | -7.88 (estimated) |
| 2000-Q4 | -7.85 (estimated) |
| 2000-Q3 | -8.47 (estimated) |
| 2000-Q2 | -14.49 (estimated) |
| 2000-Q1 | -16.46 (estimated) |
| 1999-Q4 | -18.92 (estimated) |
| 1999-Q3 | -18.2 (estimated) |
| 1999-Q2 | -18.02 (estimated) |
| 1999-Q1 | -21.59 (estimated) |
| 1998-Q4 | -25.49 (estimated) |
| 1998-Q3 | -25.27 (estimated) |
| 1998-Q2 | -24.32 (estimated) |
| 1998-Q1 | -23.08 (estimated) |
| 1997-Q4 | -21.1 (estimated) |
| 1997-Q3 | -20.39 (estimated) |
| 1997-Q2 | -21.45 (estimated) |
| 1997-Q1 | -22.71 (estimated) |
| 1996-Q4 | -24.64 (estimated) |
| 1996-Q3 | -24.65 (estimated) |
| 1996-Q2 | -24.37 (estimated) |
| 1996-Q1 | -24.73 (estimated) |
| 1995-Q4 | -23.87 (estimated) |
| 1995-Q3 | -18.83 (estimated) |
| 1995-Q2 | -15.25 (estimated) |
| 1995-Q1 | -10.5 (estimated) |
| 1994-Q4 | -5.63 (estimated) |
| 1994-Q3 | -1.67 (estimated) |
| 1994-Q2 | 2.3 (estimated) |
| 1994-Q1 | 5.52 (estimated) |
| 1993-Q4 | 7.09 (estimated) |
| 1993-Q3 | 15.13 (estimated) |
| 1993-Q2 | 21.05 (estimated) |
| 1993-Q1 | 26.83 (estimated) |
| 1992-Q4 | 33.11 (estimated) |
| 1992-Q3 | 31.92 (estimated) |
| 1992-Q2 | 28.43 (estimated) |
| 1992-Q1 | 24.89 (estimated) |
| 1991-Q4 | 21.43 (estimated) |
| 1991-Q3 | 20.45 (estimated) |
| 1991-Q2 | 17.14 (estimated) |
| 1991-Q1 | 15.85 (estimated) |
| 1990-Q4 | 15.57 (estimated) |
| 1990-Q3 | 14.98 (estimated) |
| 1990-Q2 | 11.88 (estimated) |
| 1990-Q1 | 8.37 (estimated) |
| 1989-Q4 | 7.37 (estimated) |
| 1989-Q3 | 9.79 (estimated) |
| 1989-Q2 | 9.88 (estimated) |
| 1989-Q1 | 9.93 (estimated) |
| 1988-Q4 | 10.27 (estimated) |
| 1988-Q3 | 5.09 (estimated) |
| 1988-Q2 | 5.81 (estimated) |
| 1988-Q1 | 6.14 (estimated) |
| 1987-Q4 | 7.36 (estimated) |
| 1987-Q3 | 6.16 (estimated) |
| 1987-Q2 | 4.17 (estimated) |
| 1987-Q1 | 3.5 (estimated) |
| 1986-Q4 | 4.55 (estimated) |
| 1986-Q3 | 5.4 (estimated) |
| 1986-Q2 | 5.95 (estimated) |
| 1986-Q1 | 4.3 (estimated) |
| 1985-Q4 | 4.23 (estimated) |
| 1985-Q3 | 2.32 (estimated) |
| 1985-Q2 | 1.59 (estimated) |
| 1985-Q1 | 2.26 (estimated) |
| 1984-Q4 | 1.9 (estimated) |
| 1984-Q3 | 1.75 (estimated) |
| 1984-Q2 | 1.24 (estimated) |
| 1984-Q1 | 1.66 (estimated) |
| 1983-Q4 | 2.46 (estimated) |
| 1983-Q3 | 4.01 (estimated) |
| 1983-Q2 | 3.74 (estimated) |
| 1983-Q1 | 4.04 (estimated) |
| 1982-Q4 | 3.55 (estimated) |
| 1982-Q3 | 4.17 (estimated) |
| 1982-Q2 | 3.25 (estimated) |
| 1982-Q1 | 2.4 (estimated) |
| 1981-Q4 | 1.29 (estimated) |
| 1981-Q3 | 0.85 (estimated) |
| 1981-Q2 | 0.01 (estimated) |
| 1981-Q1 | -0.33 (estimated) |
| 1980-Q4 | 0.13 (estimated) |