Finland Financial System Stability Assessment

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 a...

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Bibliographic Details
Corporate Author: International Monetary Fund Monetary and Capital Markets Department
Format: eBook
Language:English
Published: Washington, D.C. International Monetary Fund 2016
Series:IMF Staff Country Reports
Subjects:
Online Access:
Collection: International Monetary Fund - Collection details see MPG.ReNa
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245 0 0 |a Finland  |b Financial System Stability Assessment 
260 |a Washington, D.C.  |b International Monetary Fund  |c 2016 
300 |a 44 pages 
651 4 |a Finland 
653 |a Banks 
653 |a Finance 
653 |a Social Security and Public Pensions 
653 |a Financial crises 
653 |a Banks and banking 
653 |a Industries: Financial Services 
653 |a Financial sector policy and analysis 
653 |a Financial Sector Assessment Program 
653 |a Mortgages 
653 |a Criminology 
653 |a Financial risk management 
653 |a Pensions 
653 |a Banking 
653 |a Corporate crime; white-collar crime 
653 |a Financial Risk Management 
653 |a Depository Institutions 
653 |a Economic & financial crises & disasters 
653 |a Insurance companies 
653 |a Institutional Investors 
653 |a Commercial banks 
653 |a Pension Funds 
653 |a Pension spending 
653 |a Financial institutions 
653 |a Financial Instruments 
653 |a General Financial Markets: Government Policy and Regulation 
653 |a Micro Finance Institutions 
653 |a Financial Institutions and Services: Government Policy and Regulation 
653 |a Expenditure 
653 |a Non-bank Financial Institutions 
653 |a Loans 
653 |a Banks and banking; State supervision 
653 |a Banks and Banking 
653 |a Financial regulation and supervision 
653 |a Financial services industry 
653 |a Public Finance 
653 |a Finance: General 
653 |a Financial services law & regulation 
653 |a Liquidity requirements 
653 |a Financial Crises 
653 |a Stress testing 
710 2 |a International Monetary Fund  |b Monetary and Capital Markets Department 
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520 |a 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