Enabler of sustainable welfare in Finland

Building a better and more sustainable future with our customers.

MuniFin is one of Finland’s largest credit institutions

MuniFin (Municipality Finance Plc) is one of Finland’s largest credit institutions, owned by Finnish municipalities, the public sector pension fund Keva and the State of Finland. The Group’s balance sheet totals close to EUR 50 billion. MuniFin is the only credit institution in Finland that specialises in financing the public sector.

MuniFin builds a better and more sustainable future with its customers. Our customers are Finnish municipalities, wellbeing services counties and affordable social housing organisations. We offer financing to environmentally sustainable and socially responsible projects, such as public transport, sustainable buildings, hospitals, health centres, schools, day-care centres and affordable social housing.

Key figures 2023

49.7

EUR bn

Balance sheet total

7.0

EUR bn

Green and social finance

32.0

EUR bn

Long-term customer financing

43.3

EUR bn

Total funding

Sustainability

The main focus of our sustainability work is to enable sustainable welfare in society and promote investments that drive the green transition.

Finland’s pioneer in sustainable finance

In 2016, MuniFin launched green finance for projects that are friendly for the climate and environment. We were the first Finnish financial institution to issue green bonds and offer green finance. In 2020, we complemented green finance by launching social finance, which is offered for projects that promote equality, communality, safety, welfare or regional vitality. We were the first issuer of social bonds in Finland.

These bonds are an integral part of our funding strategy.

Finland’s pioneer in sustainable finance

In 2016, MuniFin launched green finance for projects that are friendly for the climate and environment. We were the first Finnish financial institution to issue green bonds and offer green finance. In 2020, we complemented green finance by launching social finance, which is offered for projects that promote equality, communality, safety, welfare or regional vitality. We were the first issuer of social bonds in Finland.

These bonds are an integral part of our funding strategy.
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Financing the public sector of the happiest country in the world

Did you know these facts about Finland?

• The happiest country in the world for seven years in a row
• The best country in SDG development (Sustainable development report)
• The most stable country in the world
• One of the top OECD countries in education
• The best governance in the world
• The water-richest country in the world
• The most forests in Europe
• Population of 5.5 million people
• The world’s biggest consumer of coffee per capita

Financing the public sector of the happiest country in the world

Did you know these facts about Finland?

• The happiest country in the world for seven years in a row
• The best country in SDG development (Sustainable development report)
• The most stable country in the world
• One of the top OECD countries in education
• The best governance in the world
• The water-richest country in the world
• The most forests in Europe
• Population of 5.5 million people
• The world’s biggest consumer of coffee per capita

How can we help you?

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How can we help you?

Our experts are here to help you.