## Financial Stability In An Evolving Regulatory And Supervisory Landscape

_IMF Working Papers, February 25, 2013_

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## Bibliographic details
- Authors: Yingbin Xiao
- Published: February 25, 2013
- Series: IMF Working Papers
- DOI: https://doi.org/10.5089/9781475529661.001

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### Summary findings
- The paper runs qualitative and quantitative analyses of the financial soundness of Danish banks.
- Helped by a series of Denmark’s financial policy initiatives, banks have made progress in improving financial stability.
- Vulnerabilities remain in the Danish banking sector.
- To mitigate risks, banks should continue to build more robust capital and liquidity buffers.
- Banks should enhance further the transparency of disclosures.
- The flexibility embedded in EU regulations should be used to design strong prudential policies, treating Basel III and the CRD IV regulations as floors.
- Crisis prevention and management could be further strengthened by phasing out gradually deferred-amortization mortgage loans and introducing risk-adjusted deposit insurance premia.

### Analysis and scope
- Research approach: qualitative and quantitative analyses focused on Danish banks.
- Sectoral focus and themes: Banking; Collateral; Covered bonds; Financial institutions; Financial sector policy and analysis; Financial sector stability; Loans; Mortgages.
- Geographic/keyword tags include: Asia and Pacific, Baltics, Central and Eastern Europe, Danish banks, Global, Middle East, and others listed under Keywords.

### Policy recommendations
- Continue building more robust capital buffers.
- Continue building more robust liquidity buffers.
- Enhance transparency of disclosures.
- Use flexibility in EU regulations to design prudential policies that treat Basel III and CRD IV as minimum standards (floors).
- Phase out gradually deferred-amortization mortgage loans.
- Introduce risk-adjusted deposit insurance premia.

### Publication and metadata
- Author: Yingbin Xiao
- Date: February 25, 2013
- Pages: 18
- Volume: 2013
- Issue: 047
- Series: Working Paper No. 2013/047
- DOI: https://doi.org/10.5089/9781475529661.001
- Stock No: WPIEA2013047
- ISBN: 9781475529661
- ISSN: 1018-5941

*IMF Working Papers — Financial Stability In An Evolving Regulatory And Supervisory Landscape (Yingbin Xiao, February 25, 2013).*

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_Source: https://www.imf.org/en/publications/wp/issues/2016/12/31/financial-stability-in-an-evolving-regulatory-and-supervisory-landscape-40339_