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Finland: Financial System Stability Assessment

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  • International Monetary Fund

Abstract

This paper discusses key findings of the Financial System Stability Assessment concerning Finland. It reveals that Finland’s banking system remains well capitalized and profitable. Although low interest rates have squeezed net interest income, banks have increased income from trading and insurance and reduced cost-income ratios, helping to maintain profitability. Nonperforming loans have remained low and capitalization ratios are well above requirements, though buffers may be exaggerated by the aggressive use of risk weights. The Net Stable Funding Ratio suggests that vulnerabilities from maturity mismatches are limited in aggregate. Nevertheless, previously identified vulnerabilities remain, and some have increased.

Suggested Citation

  • International Monetary Fund, 2016. "Finland: Financial System Stability Assessment," IMF Staff Country Reports 2016/370, International Monetary Fund.
    • Handle: RePEc:imf:imfscr:2016/370
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    File URL: http://www.imf.org/external/pubs/cat/longres.aspx?sk=44437
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    Citations

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    Cited by:

    1. Tuuli, Saara, 2023. "Who funds zombie firms: Banks or non-banks?," Bank of Finland Research Discussion Papers 2/2023, Bank of Finland.
    2. Tuuli, Saara, 2019. "Model-based regulation and firms' access to finance," Bank of Finland Research Discussion Papers 4/2019, Bank of Finland.
    3. McQuinn, John & McCann, Fergal, 2017. "The financial vernerability of Irish Small and Medium Enterprises, 2013 to 2017," Economic Letters 14/EL/17, Central Bank of Ireland.
    4. repec:zbw:bofrdp:2019_004 is not listed on IDEAS
    5. Tuuli, Saara, 2019. "Model-based regulation and firms' access to finance," Research Discussion Papers 4/2019, Bank of Finland.

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