Browsing by Subject "capital adequacy"

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  • Manninen, Otso; Tiililä, Nea (2020)
    Bank of Finland Bulletin. Analysis
    The need for sustainable finance has grown because of the urgency to mitigate climate change. One proposal to encourage sustainable finance is the Green Supporting Factor, which would make it less costly for entities in the financial sector to finance environmentally sustainable investments. However, it is not clear how well this would incentivise companies in the real economy to ‘greenify’ their investments. Furthermore, the uncertainties and potential adverse effects of the Green Supporting Factor make it an alternative all the less appealing.
  • Nykänen, Marja (2021)
    Bank of Finland. Bulletin 1/2021
    Household behaviour and business activity continue to be very much influenced by the COVID-19 pandemic. The prospects for the economic environment returning to a state of normalcy are improving, however, as vaccine rollouts gather pace in Finland and abroad. The Finnish economy has held up better than feared in the worst-case scenarios envisaged one year ago, and the financial system has continued to function well. The economy's better-than-expected performance can be attributed especially to the policy measures put in place domestically and in the euro area, and to the ability of households and businesses to adjust to the emergency conditions.
  • Savolainen, Eero; Tölö, Eero (2017)
    Bank of Finland. Bulletin 2/2017
    The Finnish, Swedish, Norwegian and Danish banking sectors have broadly similar strengths and weaknesses. Their profitability is strong, capital adequacy solid, and loan losses have been at historically low levels for a long time. On the other hand, the national banking sectors are large and concentrated and their systemic risks relate largely to lending to the residential and commercial real estate markets.
  • Asplund, Tuulia (2016)
    Bank of Finland. Bulletin 2/2016
    The capital requirements for banks were revised recently to improve the financial system's resilience to shocks. What remains is the finalisation of the reforms and the specification of implementation. The assessment and monitoring of the overall impact of regulation is important to ensure fair competition between banks and the financial system's ability to support sustainable economic growth.