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High housing debt increases risks to financial stability
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Finland’s financial system is, by structure, vulnerable to risks associated with lending for house purchase. Housing loan volumes are large relative to other lending by banks and requirements on banks’ own funds. The fact ...
Is recovery a myth?
(12.10.2016)
Bank of Finland. Bulletin 4/2016
Bank of Finland. Bulletin 4/2016
Deep recessions have typically led to a permanent step down to a lower growth trajectory. However, since the financial crisis of 2008, the growth rate itself has also been exceptionally slow, due to weak growth in total ...
How well do inflation swaps reflect expected inflation?
(12.10.2016)
Bank of Finland. Bulletin 4/2016
Bank of Finland. Bulletin 4/2016
Inflation swaps are financial instruments used for the purpose of hedging against future inflation. Inflation expectations extracted from inflation swaps are often used as a measure of the market’s inflation expectations, ...
Bank of Finland Bulletin: Bank of Finland articles on the economy 2/2016
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Nordic financial sector vulnerable to housing market risks
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Household indebtedness is high in the Nordic countries. Housing loans are a significant part of banks' business, and covered bonds are important for banks both as sources of funding and as investments. The large size of ...
Will digitalisation transform the financial sector too?
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Traditional financial participants are facing new competition in the wake of digitalisation. On one hand, major technology giants have begun to provide services designed primarily for payments but partly also for lending, ...
Investment funds have grown significantly in Finland – do their operations involve stability risks?
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
Investment funds have emerged as significant financial intermediaries in Finland since the turn of the millennium. In this role, they supplement traditional deposit banking. However, from the perspective of financial ...
Stability of Finnish financial system cannot be taken for granted
(07.06.2016)
Bank of Finland. Bulletin 2/2016
Bank of Finland. Bulletin 2/2016
The Finnish financial system has operated smoothly amid the difficult economic conditions of the past few years. However, financial stability can never be taken for granted. Due to the structural vulnerabilities of the ...