Bank of Finland Bulletin : Bank of Finland articles on the economy 2/2018

Rising household debt poses risk to the economy 3
Financial stability: Lowering the loan cap will reduce the risks associated with debt 5
Wide regional disparities in Finnish house prices and household indebtedness 20
The Finnish real estate investment market 27
Household indebtedness contributing to corporate loan losses 37
Instruments designed to mitigate indebtedness 47
Progress in work to complete Banking Union 53
Nordic banks go digital 60
Systemic risk buffer protecting the banking sector under difficult conditions 68
Effects of the revised Payment Services Directive: first assessment 72
Digitalisation poses new security challenges for payment systems 76

Issue: Financial stability