Browsing by Subject "kannattavuus"

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  • Toivanen, Mervi (2008)
    Suomen Pankki. Rahoitusmarkkinaraportti 4
    Tammi-syyskuussa 2008 pohjoismaisten suurten finanssikonsernien liikevoitot laskivat edellisen vuoden vastaavasta ajanjaksosta arvonalentumistappioiden kasvua sekä kaupankäynnin ja sijoitustoiminnan tuottojen laskun takia. Pohjoismaisten finanssikonsernien markkina-arvot ovat pienentyneet keskimäärin saman verran kuin suurten eurooppalaisten pankkien markkina-arvot.
  • Toivanen, Mervi (2009)
    Suomen Pankki. Rahoitusmarkkinaraportti 2
    Suurten pohjoismaisten finanssikonsernien yhteenlasketut liikevoitot olivat tammi-maaliskuussa 2009 noin 26 % pienemmät kuin vuoden 2008 ensimmäisellä neljänneksellä. Erityisesti arvonalentumistappioiden nopea kasvu supisti liikevoittoja.
  • Kostiainen, Seppo (1980)
    Bank of Finland. Monthly Bulletin 54 ; 12 ; December
  • Fang, Yiwei; Hasan, Iftekhar; Marton, Katherin (2011)
    Bank of Finland Research Discussion Papers 5/2011
    Published in Economics of Transition, Volume 19, Issue 3, July 2011: 495-520
    This study examines the cost and profit efficiency of banking sectors in six transition countries of South-Eastern Europe over the period 1998 2008. Using the stochastic frontier approach, our analysis reveals that the average cost efficiency of SEE banks is 68.59% and the average profit efficiency is 53.87%. The second-stage regressions on the determinants of bank efficiency further show that foreign banks are associated with higher profit efficiency but moderately lower cost efficiency. Government banks are associated with lower profit efficiency. The efficiency gap between foreign banks, domestic private banks and government banks, however, has narrowed over time. We also find that the degree of individual banks competitiveness has a positive association with both cost and profit efficiency. Finally, institutional development, proxied by progress in banking reforms, privatization and corporate governance restructuring, also has a positive impact on bank efficiency.
  • Bank of Finland (2020)
    Bank of Finland. Bulletin 2/2020
    Editorial: Regulation has strengthened the financial system’s resilience 3 Financial stability assessment: Pandemic demonstrates necessity of risk buffers 6 Coronavirus shock will further weaken bank profitability in the euro area 19 Banks must be able to finance firms and withstand loan losses amid the coronavirus pandemic 24 Nordic countries are vulnerable to housing market risks aggravated by the coronavirus pandemic 35
  • Klein, Paul-Olivier; Weill, Laurent (2018)
    BOFIT Discussion Papers 15/2018
    This paper analyses the effect of bank profitability on economic growth. While policymakers have shown major concerns for low levels of bank profitability, there are no empirical studies on the growth effects of bank profitability. To fill this gap, we investigate the impact of bank profitability on economic growth using a sample of 133 countries during the period 1999–2013 with several empirical approaches. Our first major conclusion is that a high current level of bank profitability contributes positively to economic growth. Our second conclusion is that the past level of bank profitability exerts a negative influence on economic growth leading to the absence of significance for the overall bank profitability. Hence, the positive impact of bank profitability on economic growth is short-lived. These findings are robust to a battery of robustness checks, including those using alternative measures for profitability and growth.
  • Savolainen, Eero (2010)
    Bank of Finland. Financial market report 2
    The profitability of Finnish banking has remained roughly unchanged since spring 2009. Net interest income has declined while other income has increased. In future, banks profitability will depend largely on developments in market interest rates and loan losses.
  • Koskinen, Kimmo (2016)
    Bank of Finland. Bulletin 2/2016
    The year got off to an uncertain start for the European banking sector, and market turbulence was strong in the first half of 2016. The uncertainty has reflected increased concerns about the growth prospects for the global economy. Rising credit risks in the energy sector, weak market liquidity and uncertainty about monetary and economic policies’ ability to support economic growth have increased market volatility. Uncertainty over global growth prospects has also focused strongly on the banking and financial sector, which is particularly sensitive to changes in the economic outlook. Although the profitability and liquidity position of the European banking sector has improved on average in recent years and capital adequacy has advanced, the banking business is facing numerous risks both in the short and the long term. Banks' long-term profitability and the sustainability of their operating models have been singled out as special causes for concern.
  • Toivanen, Mervi (2004)
    Bank of Finland. Financial market report 1
    Net operating profit of banks (excl. Nordea) improved in 2003. Although banks' net interest income declined in response to lower market rates and narrower interest rate margins, an improvement in other income bolstered the results. The trend in expenses varied across banking groups but, in the aggregate, expenses remained almost un-changed from 2002. Capital adequacy continues to be sound.
  • 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.
  • 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.