Browsing by Subject "rahoituslaitokset"

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  • Bank of Finland (2014)
    Bank of Finland. Bulletin. Financial stability 2
    Bank of Finland's Financial Stability Report 3 Preface 4 Risks related to economic and credit cycles 7 Financial system risk resilience and structural risks 25 Financial system policy 47 Appendix 56 Karlo Kauko - Jukka Topi - Jukka Vauhkonen How should the countercyclical capital buffer requirement be applied? 57
  • (2007)
    Bank of Finland. Bulletin. Financial stability. Special issue
    Preface 1 Summary 3 Operating environment 5 Banking and insurance sector 19 Financial market infrastructure 36 Financial system policy 47 Appendix 1. Infrastructure critical for the Finnish financial market 61 Appendix 2. Assessment of the Bank of Finland Bulletin special Financial Stability edition 62
  • (2008)
    Bank of Finland. Bulletin. Financial stability. Special issue
    Preface 1 Summary 2 Operating environment 4 Banking and insurance sector 16 Financial market infrastructure 29 Financial system policy 39 Appendix. Infrastructure critical for the Finnish financial market 52
  • (2009)
    Bank of Finland. Bulletin. Financial stability. Special issue 2009
  • Bank of Finland (2004)
    Bank of Finland. Bulletin. Financial stability. Special issue
  • Bank of Finland (2006)
    Bank of Finland. Bulletin. Financial stability. Special issue
  • Bank of Finland (1986)
    Bank of Finland Monthly Bulletin. Special issue
    Preface 1 Finnish financial markets 3 The Bank of Finland 11 Financial institutions in Finland 17 The increased internationalization of Finnish financial markets 26 The internationalization of banking 32 Bank inspection in Finland 39 Saving and investment in Finland 45 The impact of the rate of interest and other financial factors on investment in Finland 51 Monetary policy in Finland 58.
  • (2005)
    Bank of Finland. Bulletin Special issue
    Preface 1 Summary and conclusions 3 International operating environment 7 Domestic operating environment 27 The banking and insurance sector 39 Infrastructure 57
  • (2004)
    Bank of Finland. Bulletin Special issue
    Preface 1 Summary and conclusions 2 International operating environment 6 Domestic operating environment 31 The banking and insurance sector 45 Infrastructure 64
  • (2003)
    Bank of Finland. Bulletin Special Issue
    Preface 1 Summary 2 International operating environment 5 Domestic operating environment 21 The banking and insurance sector 30 Infrastructure 48
  • Fungáčová, Zuzana; Jakubik, Petr (2012)
    BOFIT Discussion Papers 3/2012
    Published in Czech Journal of Economics and Finance, Volume 63, Issue 1, pages 87-105, 2013
    The recent financial crisis emphasised the need for effective financial stability analyses and tools for detecting systemic risk. This paper looks at assessment of banking sector resilience through stress testing. We argue such analyses are valuable even in emerging economies that suffer from limited data availability, short time series and structural breaks. We propose a top-down stress test methodology that employs relatively limited information to overcome this data problem. Moreover, as credit growth in emerging economies tends to be rather volatile, we rely on dynamic approach projecting key balance sheet items. Application of our proposed stress test framework to the Russian banking sector reveals a high sensitivity of the capital adequacy ratio to the economic cycle that shows up in both of the two-year macroeconomic scenarios considered: a baseline and an adverse one. Both scenarios indicate the need for capital increase in the Russian banking sector. Furthermore, given that Russia's banking sector is small and fragmented relative to advanced economies, the loss of external financing can cause profound economic stress, especially for medium-sized and small enterprises. The Russian state has a low public debt-to-GDP ratio and plays decisive role in the banking sector. These factors allow sufficient fiscal space for recapitalisation of problematic banks under both of our proposed baseline and adverse scenarios. Keywords: stress testing, bank, Russia JEL Classification: G28, P34, G21
  • Jokivuolle, Esa; Keppo, Jussi (2014)
    Bank of Finland Research Discussion Papers 2/2014
    The global financial crisis of 2007-2008 has given rise to new regulatory initiatives to put restrictions on the size and term of bankers' pay. We revisit the question whether these regulations are justified, both theoretically and empirically. We model bonuses as a series of sequential call options on profits and show that they provide the higher risk-taking incentives the shorter is the time between the payment points. However, using data on CEO bonuses at the end of 2006 and our model, we find no robust relationship between risk-taking incentives and US banks' stock returns during the global financial crisis. The crisis returns are related negatively to leverage and positively to the market to book equity ratio. Our findings suggest that regulating leverage would be more effective than regulating bankers' compensation. Keywords: Banking, bonuses, regulation, compensation
  • Bankinspektionen; Pankkitarkastusvirasto; Banking Supervision (1990)
  • Bankinspektionen; Pankkitarkastusvirasto; Banking Supervision (1991)
  • Bankinspektionen; Pankkitarkastusvirasto; Banking Supervision (1992)
  • Bankinspektionen; Pankkitarkastusvirasto; Banking Supervision (1993)
  • Alhonsuo, Sampo (2006)
    Bank of Finland. Financial market report 1
    Banks and financial groups have posted good results in the Nordic and Baltic countries as well as in Europe and the United States. Improved results are mainly due to growth in income. Banks' total assets and business volumes have increased rapidly. Financial results show that banks' operating environment is currently favourable.
  • 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.
  • Koponen, Risto (2015)
    Bank of Finland. Bulletin 2/2015
    The risk of basic services in the Finnish financial market being disrupted during emergencies or other serious disruptions has grown as internationalisation has increased. At national level, Finland should prepare for a situation where the supply of foreign financial market services comes to a halt or significantly deteriorates.
  • Taskinen, Jukka (1999)
    BOFIT Online 7/1999
    This study overviews the current state of the Chinese state enterprises and bank reforms.Transformation of command economy into market economy has until recently been relatively frictionless, at least in retrospective to other command economies. Recently economic growth has become sluggish which has been blamed on structural factors.Corporate governance reform is recognized as the next key issue of reforms.Despite the economic weight of state owned enterprises is diminishing, the financial sector is heavily linked to the SOE.The current economic woes result from the reckless lending practices, the money was given to those with political influence instead of those deserving.Now, the amount of bad debt is threatening the stability of the financial sector. Institutions required for effective corporate governance are emerging.However, the state wants to retain control over the former state owned enterprises, which hinders the proper functioning of the market.Piecemeal reforms do not appear to suffice and there are some serious doubts of the capacity to finance the reforms. Keywords: China, Economic Reforms, State Owned Enterprises, Corporate Control