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Now showing items 21-40 of 380
  • Toivanen, Mervi (2007)
    Bank of Finland. Financial market report 1
    Finnish banks' business continued to grow in 2006. Lending grew rapidly and banks extended their range of other services and products. Banks also expanded their operations abroad and in other business lines. Growth in business operations was accompanied by improved operating profits. This was due to growth in income, which exceeded that of expenses, as well as one-off capital gains and virtually zero net loan losses.
  • Toivanen, Mervi (2005)
    Bank of Finland. Financial market report 3
    Cost-efficiency improved in nearly all banks operating in Finland. Banks' income-expense ratio decreased as a result of increased income and moderate developments in expenses. Banks' operating profits were also improved by the reversal of impairment losses.
  • Toivanen, Mervi (2006)
    Bank of Finland. Financial market report 03
    Banks' aggregate expenses rose in the first half of 2006. This development is currently disguised by banks' high income, as a result of favourable developments in net fee income and net interest income. Overall, banks' operating profits continued to increase in January June 2006.
  • Alhonsuo, Sampo (2004)
    Bank of Finland. Financial market report 3
    Globally speaking, the performance of banking groups has been relatively good. The large banks in the United States, Japan, China and Europe reported improved results and good profits. This is attributable to lower loan losses, greater efficiency of opera-tions and an increase in other income offsetting the decline in net interest income.
  • Koskinen, Kimmo; Toivanen, Mervi (2013)
    Bank of Finland. Financial market report 2
    Banks' financial results have recently been pronouncedly better in the United States than in the euro area. The difference is largely explained by weaker economic activity and strong increases in impairment losses in the euro area. Losses of banks in Southern European countries, in particular, have expanded significantly.
  • Toivanen, Mervi (2004)
    Bank of Finland. Financial market report 4
    Banks' total operating profits increased in January September 2004. Lower interest rates and narrower interest rate margins led to a decline in net interest income, in both absolute terms and as a proportion of total income. The concurrent increase in net fee income is thus the main factor behind the improvement in banks' operating profits. Cost control and low loan losses also contributed to an improvement in results.
  • Toivanen, Mervi (2006)
    Bank of Finland. Financial market report 1
    Banks' performance was strong in 2005. Income increased more than expenses, which improved banks' cost efficiency. The profitability of retail banking is also reflected in the growth in return on equity. At the same time, capital adequacy remained sound on average.
  • Toivanen, Mervi (2005)
    Bank of Finland. Financial market report 2
    Banks' net interest income improved in January March 2005, due to the rapid growth of lending stock and stabilising of market interest rates. Finnish banking groups' total operating profits thus improved by about 2%. The capital adequacy of banks has also remained high on average. IFRS standards for the accounting of quoted companies entered into force at the beginning of 2005.
  • Putkuri, Hanna (2008)
    Bank of Finland. Financial market report 2
    The pre-tax profits on Finnish banking operations for January March deteriorated on the previous quarter and on the year-earlier period. Credit and deposits grew robustly, whereas demand for other banking products weakened.
  • Alhonsuo, Sampo (2008)
    Bank of Finland. Financial market report 1
    Banking sector results for the fourth quarter of 2007 weakened in the United States and Europe, due mainly to losses linked to the subprime crisis and, particularly in the United States, banks' deteriorated operating environment. In 2008, the importance of cost control as a means of maintaining profitability will be underlined.
  • Savolainen, Eero (2013)
    Bank of Finland. Financial market report 2
    Corporate finance in Finland and elsewhere in the euro area is highly bankcentred. In Finland, particularly large non-financial corporations have recently acquired financing via bond issues, and growth in the stock of bank loans to nonfinancial corporations has come to a halt. Financing conditions of small and medium-sized enterprises have weakened to some extent, but are better than in the euro area on average.
  • Vauhkonen, Jukka (2010)
    Bank of Finland. Financial market report 3
    Banks are required to have significantly more equity capital and other higher-quality regulatory capital in future. An additional capital requirement may be imposed on systemically important banks
  • Westman, Hanna (2011)
    Bank of Finland. Financial market report 1
    The key objectives of the reform of financial market regulation are to strengthen financial institutions' capital structure and ensure that the costs of crises need not be borne by taxpayers. To support these objectives, new types of contingent capital instruments are being developed.
  • Ripatti, Kirsi (2006)
    Bank of Finland. Financial market report 2
    The search for economies of scale and increasing returns to scale is forcing stock exchanges to form larger alliances. The creation of NYSE Euronext is likely to pave the way for future European market infrastructure, towards a global operating environment.
  • Pylkkönen, Pertti (2013)
    Bank of Finland. Financial market report 2
    The level of capital in investment funds registered in Finland has continued to grow. Plans call for European regulation of money market funds to be tightened in order to mitigate the threat of systemic risk to the markets associated with money market funds.
  • Pylkkönen, Pertti (2008)
    Bank of Finland. Financial market report 1
    Bond guarantors' credit ratings are on watch and risk premia have risen. The price of default protection provided by these bond insurers has also risen considerably.
  • Vauhkonen, Jukka (2005)
    Bank of Finland. Financial market report 2
    The narrowing of interest rate spreads between high- and low-risk bonds has been one of the clearest trends in the international bond markets in recent years. But interest rate spreads widened, at least temporarily, in the spring, triggered by the problems of American auto manufacturers Ford and General Motors.
  • Taipalus, Katja (2005)
    Bank of Finland. Financial market report 3
    The future prospects for both corporate and government bonds raise questions. The reasons are narrow interest rate spreads for corporate bonds and low longterm interest rates for government bonds.
  • Toivanen, Mervi (2009)
    Bank of Finland. Financial market report 1
    The uncertainty caused by the financial crisis continues to hamper the acquisition of long-term funding and raise the price of funding. This has caused problems particularly for monetary financial institutions (MFIs).
  • Pylkkönen, Pertti (2004)
    Bank of Finland. Financial market report 1
    The investment income of insurance companies turned up last year. This was reflected in a clear improvement in profitability. Premiums written by insurance companies showed a less favourable trend than in the year before, with the exception of premiums written for personal pension plans, which continued to increase relatively strongly.