Financial stability – Bank of Finland Bulletin

Global upheaval – Financial stability at risk from power politics

Risks to financial stability are growing due to global power politics. Finland’s financial system has shown strong resilience, and this must continue as we move forward.

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Investor confidence in Finland as an investment destination has remained strong

Trade war weakens export outlook for Finnish companies

Mortgage borrowers have proved resilient against the interest rate risk of their loans

Biggest threats to financial stability are from outside Finland

Climate change and biodiversity loss as systemic threats to financial stability in Finland

Geopolitical tensions and a standstill property market are casting a shadow over financial stability

Finland’s banking sector could withstand even a harsher recession than forecast

Financial regulation has proved its worth in the turbulence of recent years

Stability is paramount – Resilience will remain essential going forward

Finland’s housing market has very swiftly come to a standstill

Instability in crypto-asset markets is a reminder of the risks and underlines the need for regulation

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

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

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