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Financial Stability Assessment : Debt risks amplified by housing company loans
(18.12.2018)
Bank of Finland. Bulletin 5/2018
Bank of Finland. Bulletin 5/2018
Housing company loans and consumer credit add to high and rising levels of household indebtedness. The macroprudential toolkit needs to be replenished with borrower-based instruments that take into account loan applicants’ ...
Shortcomings in the macroprudential toolkit and changes in the banking sector increase financial system risks
(10.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
There is no indication of growth in cyclical risks to the financial system in Finland. Finnish banks and insurance companies are financially sound. The financial system is, however, structurally vulnerable against the ...
Financial stability assessment : Weakening economy and tightening financing conditions pose a challenge to financial stability
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
Russia’s war on Ukraine has caused immeasurable human suffering and destruction for the people of Ukraine. Russia's attack weakened the economic outlook rapidly in spring 2022, and financial stability risks increased in ...
Finnish household debt accumulation follows economic cycle
(21.06.2022)
Bank of Finland. Bulletin 2/2022
Bank of Finland. Bulletin 2/2022
Over recent decades, Finnish households have constantly accumulated debt in relation to their income. The household savings rate has also been mainly negative. However, during recessions households typically save more and ...
Editorial : Resilience of borrowers, banks and payment systems must be strengthened
(04.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
The Russian invasion of Ukraine is causing an immeasurable amount of human suffering and destruction. The military actions will have extensive and long-term impacts on Finland’s and the world’s economy, politics and financial ...
Bank of Finland Bulletin : Bank of Finland articles on the economy 1/2022
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
New housing loans keep growing in size : increased share of longer-than-usual loans
(13.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
In Finland, a new housing loan usually has a maturity of 25 years and an interest rate and monthly loan-servicing costs that change once a year according to the 12-month Euribor. The loan is typically close to four times ...
Accessible summary : Russia’s invasion reminds us that the financial system needs to be well prepared to bear risks
(04.05.2022)
Bank of Finland. Bulletin 1/2022
Bank of Finland. Bulletin 1/2022
Finland’s financial system has remained stable, but uncertainty has increased. The general level of prices is rising rapidly at the same time as economic growth is expected to fade. Growth in unavoidable costs and in ...
Pace of debt growth disquieting
(18.12.2015)
Bank of Finland. Bulletin 5/2015
Bank of Finland. Bulletin 5/2015
The prolonged recession in the Finnish economy has been directly reflected in the public finances, which have posted a deficit for 6 years already. In 2017, the public debt will rise to over 68% of GDP, which is more than ...
Rising indebtedness increases risks in China
(13.04.2016)
Bank of Finland. Bulletin 1/2016
Bank of Finland. Bulletin 1/2016
The total amount of public and private debt in China has increased rapidly since the financial crisis. The country’s debt-to-GDP ratio has already reached the level seen in many advanced economies. The rapid rise in debt ...