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European Central Bank to review how it controls interest rates

In recent years, with the ECB’s asset purchase programmes and credit granted to banks, the ECB’s deposit facility rate has become the principal policy rate. The gradual reduction in the asset purchase programmes and in the volume of credit have prompted the ECB to review how it will control short-term money market interest rates in the future.

Climate change must be fought – what does PACTA say about the transition risks for banks?

The need to rapidly reduce carbon dioxide emissions will adversely impact the operations of many companies, and may make old operations unprofitable. Loan portfolio risks can be assessed by combining company-specific information on technologies and emissions with corporate loan portfolio data.

Finnish households’ purchasing power is improving – The economy’s long-term challenges are acute

The Government Programme establishes a foundation for strengthening the public finances and the prerequisites for sustainable growth. But unless the means for achieving growth are expanded, even a balance in the public finances will be impossible to maintain. And without sustainable public finances, the operating conditions for households and businesses operate will deteriorate.

Risks associated with housing company loans are increasing – Regulatory reforms will restrict use of such loans in the future

The increase in household and investor indebtedness from housing company loans has been a concern to the authorities. Housing company loans still account for a considerable share of the financing for new homes, but new legislation will start to curb the level of debt incurred via housing company loans.

How can Finland’s use of the countercyclical capital buffer requirement be further developed?

In Finland, it should be possible to impose a countercyclical capital buffer requirement on banks before the credit cycle overheats. This would allow the authorities, as necessary, to lower the capital requirements for banks during a crisis situation on a more flexible basis than at present.

Financial sector contingency planning will help ensure continued functioning of society in all circumstances

In 2022, a backup system was put in place for safeguarding daily payments during exceptional situations affecting society. The authorities and the financial sector should continue to enhance their preparedness for coping with severe disruptions in society that threaten the availability of normal banking and financial services.

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