Financial stability – Bank of Finland Bulletin

Accessible summary: Russia’s invasion reminds us that the financial system needs to be well prepared to bear risks

Unpredictable events like war and pandemics may threaten the stability of the financial system. The system must be able to function even in stormy conditions.

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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

Separating buy-to-let mortgages from other housing loans provides a clearer look into household debt

Moderate growth in Finnish companies’ non-performing loans

Editorial: New instruments are needed to rein in household debt

Financial stability assessment: Debt-to-income cap and maturity limits necessary to curb financial stability risks

Nordic housing market showing strength, but not without risks

New mortgage-borrowers have an increasing amount of debt relative to income

A debt-to-income cap would dampen economic fluctuations

Imposing a loan-to-value limit on housing company loans would only affect a share of construction finance

New stress-testing framework to assess the capital adequacy of Finnish banks

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