Financial stability – Bank of Finland Bulletin

Rise in interest rates is testing the resilience of borrowers, investors and the financial system

Finnish households have more debt than ever before, and amid fast rising interest rates. The Finnish financial system has remained stable despite the spring turbulence in the international financial markets.

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

Strong rise in interest rates puts strain on mortgage borrowers

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

Capital buffer requirements included in the macroprudential toolkit are supporting the risk-bearing capacity of banks

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

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

Confidence in the financial system is created through persistent action

Higher interest rates are beginning to bite

Assessing transition risks in banks’ corporate loan portfolios

Financial Stability Assessment: Weakening economy and tightening financing conditions pose a challenge to financial stability

New housing loans keep growing in size – increased share of longer-than-usual loans

From crisis to crisis – companies are once again facing a challenging operating environment

Nordic housing market risks can affect Finland’s economy

Financial sector also facing new kinds of threats

Large structural risks require banks to hold buffers for a rainy day

Macroprudential toolkit should be replenished in Finland and Europe

Instruments to prevent risk of indebtedness becoming more common in Europe

Banks’ macroprudential buffer requirements lighter in Finland than in its peers

Editorial: Resilience of borrowers, banks and payment systems must be strengthened