Rolf Evert Kullberg (3 October 1930 in Pojo, Finland – 3 September 2007 in Helsinki) was the Governor of the Bank of Finland from 1983 to 1992. He was a member of the board since 1974. Before that he worked in the ministry of finance and in a private bank. At the end of his term as a governor Finland experienced its worst recession. Before the recession there was a long period of growth and it was easy to borrow money. Kullberg was one of the first persons to publicly warn about the possible risks. He warned that people and companies are borrowing more than they can afford.