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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
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. Share Email Twitter Facebook Linkedin Google+
