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Better preparations required for disruptions in basic banking services
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
The risk of basic services in the Finnish financial market being disrupted during emergencies or other serious disruptions has grown as internationalisation has increased. At national level, Finland should prepare for a ...
Low interest rates provide a stimulus but can also create risks
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
Accommodative monetary policy is necessary for price stability and economic recovery. However, abundant liquidity and the search for yield fuelled by low interest rates can also create risks for financial stability.
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 ...
Overheating of global financial market could also have a destabilising impact on Finland
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
An overheating of the international financial markets would spread to Finland, too, pushing up asset prices and possibly boosting the supply of loans. From a macroprudential perspective, strong growth in both these indicators ...
Could a cyber attack lead to financial crisis?
(09.06.2015)
Bank of Finland. Bulletin 2/2015
Bank of Finland. Bulletin 2/2015
If loss in interbank confidence regarding banking sector balance sheets intensified the crisis in 2008, banks’ faltering confidence in other banks’ systems could cause the next crisis, experts warn. Confidence is vital to ...
Payment and settlement systems subject to oversight
(14.07.2021)
Bank of Finland. Bulletin 2/2021
Bank of Finland. Bulletin 2/2021
Payment and settlement systems comprise the financial market infrastructure. A reliable, undisrupted infrastructure makes economic activity a smoother process and promotes the efficient movement of capital. It allows ...
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 ...
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 ...
The role of the central bank in a digitalising world
(11.06.2018)
Bank of Finland Bulletin. Blog
Bank of Finland Bulletin. Blog
Digitalisation holds great promise for new opportunities, but it will also usher in new challenges and risks. Businesses will enjoy lower operating costs and consumers a wider breadth of choice, while cross-sector and ...