Bank of Finland Bulletin: Bank of Finland articles on the economy 2/2019

Table of Contents
Editorial: Rising household debt levels must be addressed in time 3
Financial stability: Debt must be measured against repayment capacity 6
The highly indebted cut spending as the economy slows 25
Capping debt-to-income ratios complementary to housing loan cap 34
New methods needed to rein in consumer credit 41
Corporate credit risk affected by business cycles and industry factors 47
Finnish commercial property market increasingly intertwined with foreign markets 57
The impact of digitalisation on bank profitability 66

Issue: Financial stability