The overall picture of debt accumulation gets blurred as provision of consumer credit becomes diversified
Finnish household debt is rapidly increasing also via consumer credit. Loans taken out from these new sources is difficult to monitor.
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EU macroprudential policy lays emphasis on residential mortgage loans and the banking sector’s structural risks
Regulatory reforms and macroprudential measures have improved the risk resilience of the bank-centred EU financial system. Work has also begun on targeting stability risks building up beyond the banking system.
Payments must be smooth under all circumstances
It is important to ensure that payment transfers and card payments also operate when data connections with other countries are down.
Risks in long-term and large home loans – Sweden's worry is also ours
Households in both Finland and Sweden are carrying a record level of debt relative to their income.
Most significant international threats to stability relate to securities markets
Investors’ optimism on the financial markets can rapidly turn to risk aversion if global economic or political uncertainty increases.
Payments becoming increasingly real time and less visible
The three key trends in payments are fragmentation of the market, payments going real time and the actual act of payment fading into the background.
Finland, the land of branches – the landscape of the Nordic banking sector
The Finnish, Swedish, Norwegian and Danish banking sectors are large and concentrated and there are systemic risks relating to lending for the residential and commercial real estate markets.
Financial stability assessment: Nordic interconnectedness and indebted households pose a risk to financial stability
Growing household debt and the changing structure of the banking system are increasing the vulnerability of the financial system.
Editorial: Shortcomings in the macroprudential toolkit and changes in the banking sector increase financial system risks
Structural changes in the banking sector may have an impact on risk spillovers between the Nordic countries.
How can we dampen the build-up of housing price bubbles?
A range of instruments could be deployed to restrain dangerous growth in lending for house purchase and household debt.
Capital Markets Union supports economic growth and employment
So far, the project to build a single market for capital has advanced at a relatively good pace, but now there are some difficult issues ahead.