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Lowering the loan cap will reduce the risks associated with debt
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
A macroprudential decision taken by the Financial Supervisory Authority's Board in early spring to tighten the maximum loan-to-collateral (LTC) ratio for housing loans will bolster the stability of the Finnish financial ...
Systemic risk buffer protecting the banking sector under difficult conditions
(23.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The systemic risk buffer became available in Finland from the beginning of 2018. The systemic risk buffer is an additional capital requirement that may be imposed on credit institutions on the basis of the financial system's ...
How has the feedback loop between banks and sovereigns changed since the crisis years?
(27.04.2018)
Bank of Finland. Bulletin 1/2018
Bank of Finland. Bulletin 1/2018
One aim of Banking Union is to weaken the feedback loop between banks and their sovereigns so that increases in banks’ credit risk would no longer be reflected in sovereign credit risk and, conversely, banks’ financing ...
Progress in work to complete Banking Union
(24.05.2018)
Bank of Finland. Bulletin 2/2018
Bank of Finland. Bulletin 2/2018
The EU's Banking Union is operational but not yet completed. The common European Deposit Insurance Scheme (EDIS) is the key missing component. To reinforce Banking Union and promote the EDIS it is important to decrease ...
Accessible summary: household debt burden worryingly large – we must take a variety of measures to guard against the risks
(29.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finnish households are carrying a worryingly large amount of debt. Housing loans and housing company loans have become more common and larger, and their repayment periods have become longer. In addition, the supply of ...
Editorial: Rising household debt levels must be addressed in time
(09.05.2019)
Bank of Finland. Bulletin 2/2019
Bank of Finland. Bulletin 2/2019
Finland's financial system is structurally vulnerable due to the country's high levels of household debt and proportionately large banking system. Indebted households respond to declining economic conditions and increased ...
Assessing transition risks in banks’ corporate loan portfolios
(24.01.2023)
Bank of Finland Bulletin. Analysis
Bank of Finland Bulletin. Analysis
Climate change is forcing the economy to transit towards a more sustainable future. Transition risks are related to the process of adjustment to a low-carbon economy. Granular data are needed to analyse the transition ...
Risks associated with housing company loans are increasing – Regulatory reforms will restrict use of such loans in the future
(09.06.2023)
Bank of Finland. Bulletin 1/2023
Bank of Finland. Bulletin 1/2023
Rising interest rates and rising costs are straining the finances of housing companies in Finland, causing an increase in the direct and indirect financial stability risks associated with housing company loans. Although ...
Capital buffer requirements included in the macroprudential toolkit are supporting the risk-bearing capacity of banks
(09.06.2023)
Bank of Finland. Bulletin 1/2023
Bank of Finland. Bulletin 1/2023
Capital buffer requirements imposed on banks are among the key instruments available in the macroprudential policy toolkit. They safeguard the risk-bearing capacity of banks. Some of the requirements are imposed on the ...
Financial sector contingency planning will help ensure continued functioning of society in all circumstances
(09.06.2023)
Bank of Finland. Bulletin 1/2023
Bank of Finland. Bulletin 1/2023
The prevailing geopolitical uncertainties have brought an increase in operational risks and in threats to the financial infrastructure, which has heightened the need to be prepared for severe infrastructure disruptions. ...