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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 ...
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 ...
EU macroprudential policy lays emphasis on residential mortgage loans and the banking sector’s structural risks
(29.05.2017)
Bank of Finland. Bulletin 2/2017
Bank of Finland. Bulletin 2/2017
The European Union has for about two years witnessed the conduct of macroprudential policy mainly based on EU legislation and calibrated for national circumstances. In most cases, the measures have been of a tightening ...
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, ...
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 ...
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 ...