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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 ...
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 ...
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 ...
Bank of Finland Bulletin : Bank of Finland articles on the economy 1/2021
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
Pandemic continues to cast a shadow over the outlook for European banks’ credit risks
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
The COVID-19 pandemic has led to an increase in the credit risk faced by European banks. Although the pandemic’s negative impact on the economy has been eased thanks to various support measures, there is still much uncertainty ...
Increased flood risks caused by climate change will also affect banks
(22.01.2021)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
Due to climate change, extreme weather events will become more frequent, resulting in material damage to buildings and other infrastructure. In Finland, for example, this will probably increase the risk of coastal floods. ...
Nordic housing market showing strength, but not without risks
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
The Nordic residential and commercial real estate markets recovered quickly from the first wave of the COVID-19 pandemic. House sales and property investment flows have been strong despite the uncertain economic outlook. ...
Financial stability assessment : Debt-to-income cap and maturity limits necessary to curb financial stability risks
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
The vulnerabilities related to housing finance have increased in Finland during the COVID-19 pandemic. Long housing loans are being taken out more than ever and a larger proportion of new mortgages are being granted 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 ...
New stress-testing framework to assess the capital adequacy of Finnish banks
(04.05.2021)
Bank of Finland. Bulletin 1/2021
Bank of Finland. Bulletin 1/2021
Stress tests are important analytical tools that measure the resilience of banks to sudden, dramatic disruptions to the operational environment. The Bank of Finland and the Financial Supervisory Authority (FIN-FSA) have ...