For MuniFin, the first half of 2026 has unfolded largely as expected. The business has been shaped by a divided operating environment: at home, our customers’ financing needs have remained reasonably stable, but internationally, economic and geopolitical uncertainty has continued to intensify – and that uncertainty is making itself felt in Finland, too.
Net interest income remained at the same level as in the previous year, amounting to EUR 122 million.
The Group’s leverage ratio remained at a strong level, standing at 12.1% at the end of June. The Group’s CET1 capital ratio continued to be very strong at 87.6%, which was almost six times the required minimum of 15.1%, taking capital buffers into account.
New long-term customer financing – long-term loans and leased assets – amounted to EUR 1.9 billion in January–June. The combined total amount of sustainable finance increased by 7.3% during the reporting period, and the ratio of sustainable finance to long-term customer financing excluding unrealised fair value changes grew to 34.5%. New long-term funding. reached EUR 5.8 billion.
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