Charts

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35 charts

Long-term government bond yields increased in the spring of 2021, especially in the USA

Faster growth for housing loan stock, slower for consumer credit stock

New mortgages increasingly have long maturities

Household debt levels have risen for a long time

Capping debt-to-income ratios would limit total household debt

Bankruptcies initiated

The capital adequacy and profitability of the Finnish banking sector improved in 2020

The third pillar of Banking Union is missing (2021)

Long loan maturities increase indebtedness

Bank of Finland and FIN-FSA’s stress testing method has three stages

The CET1 capital ratio in the Finnish banking sector falls in the stress test scenario particularly due to the increase in credit risk

Year-on-year change in value of output and turnover continuously negative

SMEs’ investment expectations have continued to deteriorate during the COVID-19 pandemic

Banks’ corporate lending has been subdued since summer 2020

Number of corporate loan renegotiations shot up in spring 2020

Pandemic has increased non-financial corporations’ deposit stock

Average interest rate on new corporate loans has increased in many sectors

New mortgage-holders’ debt-to-income ratios have increased

A smaller proportion of first-home loans than of other mortgages granted to highly-indebted borrowers

New mortgage-borrowers’ typical debt-to-income ratio is higher in growth centres than elsewhere in Finland

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