Slightly negative central bank interest rates ease financial conditions Negative interest rates have been an integral part of the ECB's overall monetary accommodation for just over five years now. Research indicates that the advantages of slightly negative interest rates outweigh the disadvantages. Share Email Twitter Facebook Linkedin Google+
Debt must be measured against repayment capacity The current loan-to-value cap on housing loans urgently needs to be accompanied by a new, more comprehensive cap on debt. This would take into account all a loan applicant’s debt relative to their income. Share Email Twitter Facebook Linkedin Google+
Debt risks amplified by housing company loans The macroprudential toolkit needs to be replenished with borrower-based instruments that take into account loan applicants’ repayment ability and are able to curtail household indebtedness as a whole. Share Email Twitter Facebook Linkedin Google+
Blog Blog: The Russian banking sector – where to next? Several reforms improving banking and financial market regulation as well as supervision have been put through since summer 2013. 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+
Banks concerned about profitability and the sustainability of their operating models The uncertainty surrounding the outlook for global growth in general has also focused strongly on the banking and finance sectors, which are particularly sensitive to changes in the economic cycle. Share Email Twitter Facebook Linkedin Google+
Euro area banking sector gathers strength Increasing market uncertainty over the condition of banks in early 2016 was not due solely to concerns about global economic growth but also above all reflected concerns about banks’ non-performing loans and declining profitability amid low interest rates and subdued growth. Share Email Twitter Facebook Linkedin Google+