{
  "title": "Finland: Financial System Stability Assessment",
  "publication": "IMF Staff Country Reports, December 7, 2016",
  "sourceUrl": "https://www.imf.org/en/publications/cr/issues/2016/12/31/finland-financial-system-stability-assessment-44437",
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  "summary": "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.",
  "sections": [
    {
      "heading": "Executive summary and key findings",
      "content": "- Finland’s banking system remains well capitalized and profitable.\n- Low interest rates have squeezed net interest income.\n- Banks have increased income from trading and insurance and reduced cost-income ratios, helping to maintain profitability.\n- Nonperforming loans have remained low.\n- Capitalization ratios are well above requirements, though buffers may be exaggerated by the aggressive use of risk weights.\n- The Net Stable Funding Ratio suggests that vulnerabilities from maturity mismatches are limited in aggregate.\n- Previously identified vulnerabilities remain, and some have increased."
    },
    {
      "heading": "Financial sector strengths",
      "content": "- Well capitalized banking system.\n- Continued profitability supported by:\n  - Increased income from trading and insurance.\n  - Reduced cost-income ratios.\n- Low levels of nonperforming loans."
    },
    {
      "heading": "Financial sector vulnerabilities and risks",
      "content": "- Net interest income compressed by low interest rates.\n- Capitalization buffers may overstate resilience due to aggressive use of risk weights.\n- Some previously identified vulnerabilities persist or have grown.\n- Aggregate maturity-mismatch vulnerabilities appear limited per the Net Stable Funding Ratio.\n\n---\n\n Content in this bundle\n\n- Finland: Financial System Stability Assessment; 2016 International Monetary Fund; November 8, 2016\n  - Finland: Financial System Stability Assessment; 2016 International Monetary Fund; November 8, 2016 (Markdown version){rel=\"alternate\" type=\"text/markdown\"}\n  - Finland: Financial System Stability Assessment; 2016 International Monetary Fund; November 8, 2016 (PDF){rel=\"external\" type=\"application/pdf\"}"
    }
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    "[Markdown version](/en/publications/cr/issues/2016/12/31/finland-financial-system-stability-assessment-44437/index.md)",
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    "Published: December 7, 2016",
    "Series: IMF Staff Country Reports",
    "DOI: https://doi.org/10.5089/9781475558456.002",
    "Finland’s banking system remains well capitalized and profitable.",
    "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.",
    "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.",
    "Previously identified vulnerabilities remain, and some have increased.",
    "Well capitalized banking system.",
    "Continued profitability supported by:",
    "Low levels of nonperforming loans.",
    "Net interest income compressed by low interest rates.",
    "Capitalization buffers may overstate resilience due to aggressive use of risk weights.",
    "Some previously identified vulnerabilities persist or have grown.",
    "Aggregate maturity-mismatch vulnerabilities appear limited per the Net Stable Funding Ratio.",
    "**Finland: Financial System Stability Assessment; 2016 International Monetary Fund; November 8, 2016**"
  ],
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      "title": "Finland: Financial System Stability Assessment; 2016 International Monetary Fund; November 8, 2016",
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