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Major changes underway in European banking sector
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
Weak profitability is a major problem for the European banking sector. Particularly in the euro area, a weakly performing economy and related impairment losses, subdued credit dynamics and prolonged low interest rates have ...
Concentrated banking system amplifies banking crises
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
The consequences of a banking crisis could be exceptionally severe in Finland’s concentrated banking system. Regulatory means must therefore be deployed to ensure the capital adequacy and liquidity of Finnish banks remain ...
Structural changes in banking have paved the way for shadow banks
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
Structural changes in banking have created space for new players on the financial markets. Weak economic growth, regulation, search for yield and technical innovations have facilitated growth in shadow banking. Even though ...
Housing loan risk weights affect banks’ capital adequacy
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
Risk weights help to establish each bank's minimum own funds relative to lending, ensuring the bank's ability to cover the related credit risk. The risk weight calculation method chosen by the bank may have a significant ...
Emergency liquidity assistance is based on the criteria of solvency, eligibility of collateral and monetary policy objectives
(09.07.2015)
Bank of Finland Bulletin. Blog
Bank of Finland Bulletin. Blog
In exceptional circumstances, Eurosystem central banks can also grant credit to banks outside monetary policy operations.