Reports and publications
Explore our reports and other publications
Annual reports
Our annual reports provide a comprehensive overview of MuniFin’s financial performance, business operations and sustainability initiatives.
MuniFin Annual Report 2023
MuniFin's business operations remained strong in 2023, propelled especially by the housing sector’s high demand for financing late in the year.
MuniFin Annual Report 2022
The year 2022 was again marked by general economic uncertainty. MunIFin's role in ensuring our customers’ operations grew even more important.
MuniFin Annual Report 2021
the municipal sector's demand for financing was lower than expected in 2021. The demand for state-subsidised housing finance grew moderately.
MuniFin Annual Report 2020
The year 2020 was unusual in many ways, substantially increasing the demand for MuniFin's services. Our funding operations were highly successful despite the challenging market situation.
MuniFin Annual Report 2019
In 2019, demand for financing exceeded expectations. MuniFin once again succeeded very well in its funding.
MuniFin Annual Report 2018
2018 was a good year for MuniFin and its customers. Demand for financing was growing and our performance in funding was excellent.
MuniFin Annual Report 2017
The Finnish economy was on a steep growth path: municipalities received more tax income than expected, which made their cas position stronger than anticipated.
MuniFin Annual Report 2016
The interest in MuniFin’s financial services remained high in 2016. The total of loans withdrawn increased slightly year on year, and MuniFin’s market share grew.
MuniFin Annual Report 2015
MuniFin was defined a nationally significant credit institution and will be directly supervised by the ECB.
MuniFin Annual Report 2014
The total amount of lending granted by the company grew by 8 per cent to EUR 19.2 billion.
MuniFin Annual Report 2013
MuniFin’s business operations continued to grow in 2013. The total amount of lending granted by the company grew by 13 per cent to EUR 17.8 billion.
MuniFin Annual Report 2012
MuniFin’s balance sheet total increased by 7 per cent to EUR 25.6 billion.
MuniFin Annual Report 2011
MuniFin’s business continued to grow in 2011 in terms of both lending and funding.
MuniFin Annual Report 2010
MuniFin’s lending portfolio grew by 20 per cent to EUR 11.7 billion. New loans amounted to EUR 2.8 billion. Financial leasing was introduced as a new form of lending.
MuniFin Annual Report 2009
MuniFin's lending portfolio grew by 29%, reaching a total of EUR 9.7 billion at the end of the year. EUR 2.9 billion were withdrawn in new loans.
MuniFin Annual Report 2008
MuniFin's lending portfolio stood at EUR 7.6 billion at the end the year, a rise of 29%. EUR 1.7 billion were withdrawn in new loans.
Sustainable finance impact reports
We report on the impacts of the green and social projects we finance in our annual green and social impact reports.
MuniFin Financed Emissions Report
The report discloses the greenhouse gas emissions associated with lending and investment portfolios.
MuniFin Half Year Report 2024 January–June 2024
The challenges in the operating environment did not affect MuniFin’s performance, and we were able to successfully carry out our core mandate of ensuring the availability of affordable financing for our customers.
Pillar III Half Year Disclosure Report Jan–Jun 2024
MuniFin Pillar III Disclosure Report for January–June 2024.
Ethical principles at MuniFin
The purpose of this policy is to communicate MuniFin’s ethical operating principles to the company’s personnel.
MuniFin Annual Report 2023
MuniFin's business operations remained strong in 2023, propelled especially by the housing sector’s high demand for financing late in the year.
Social Impact Report 2023
Social Impact Report report summarises the impact of MuniFin's social finance projects in the yeat 2023.
Corporate Governance Statement 2023
This statement on MuniFin’s Corporate Governance in 2023 has been composed in accordance with Chapter 7, Section 7 of the Finnish Securities Markets Act (746/2012).
Pillar III Disclosure Report 2023
MuniFin Pillar III Disclosure Report for 2023.
Green Impact Report 2023
In the Green Impact Report, MuniFin summarises the impact and calculation principles of the green finance projects.
MuniFin’s sustainability agenda
MuniFin's sustainability agenda establishes clear and measurable long-term sustainability goals until 2035.
MuniFin sustainability policy
Sustainability policy covers the ethics of MuniFin’s operations as well as the ESG aspects related to social responsibility and stakeholder needs.
Pillar III Half Year Disclosure Report Jan–Jun 2023
MuniFin Pillar III Disclosure Report for January–June 2023.
MuniFin Half Year Report January–June 2023
The first half of 2023 was marked by continued economic uncertainty. At MuniFin, our operations remained stable and we were able to successfully carry out our core mandate of ensuring the availability of affordable financing for our customers.
Green Impact Report 2022
In the Green Impact Report 2022, we summarise the impact of our green finance projects.
Social Impact Report 2022
By the end of 2022, we have granted social finance to 86 projects in the social housing, welfare and education categories. In this report, we summarise their impact.
Pillar III Disclosure Report 2022
MuniFin Pillar III Disclosure Report for 2022.
MuniFin Annual Report 2022
The year 2022 was again marked by general economic uncertainty. MunIFin's role in ensuring our customers’ operations grew even more important.
Municipality Finance Plc Financial Statements Bulletin 1 January – 31 December 2022
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