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How should the countercyclical capital buffer requirement be applied?
(18.06.2014)
Bank of Finland. Bulletin 2
Bank of Finland. Bulletin 2
The countercyclical capital buffer requirement is one of the new macroprudential instruments that will come into use in Finland. It enables the strengthening of the banking sector’s resilience to systemic risks resulting ...
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 ...
Record amount of credit granted to Finnish banks
(11.09.2020)
Bank of Finland. Bulletin 4/2020
Bank of Finland. Bulletin 4/2020
Since its inception the Eurosystem has implemented its monetary policy through credit operations conducted as tenders. In these operations, the Eurosystem grants credit against collateral to euro area banks in order to ...
Large structural risks require banks to hold buffers for a rainy day
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
The Finnish banking sector’s key vulnerabilities are structural and linked to the Nordic housing market. The result of the Bank of Finland’s and Financial Supervisory Authority’s (FIN-FSA) joint stress testing exercise ...
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 ...
Shadow banking takes new shapes
(05.09.2017)
Bank of Finland Bulletin. Blog
Bank of Finland Bulletin. Blog
Shadow banking is a broad concept. A possible definition is that it comprises non-bank institutions which undertake bank-like activities. Another characteristic, which the word ‘shadow’ refers to, is that the sector is ...
Finland's banking sector expands : Banking Union mitigates risks
(13.12.2017)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
There are no immediate threats to the stability of the Finnish financial system. The relocation of Nordea’s corporate headquarters will, however, increase the banking sector’s exposure to structural vulnerabilities. The ...
Repricing of securities markets’ risk premia still most significant threat to global financial stability
(06.07.2018)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
Financial markets saw volatility rise as stock markets underwent a correction in February 2018. Low risk premia and high valuations have increased global securities markets’ exposure to price corrections and abrupt shifts ...
Most significant international threats to stability relate to securities markets
(29.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
Investors’ optimism on the financial markets can rapidly turn to risk aversion if global economic or political uncertainty increases. Longer-term risks related to indebtedness and the housing markets are considerable, ...
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 ...