Financial Stability Review 1/2007

Financial Stability Review, May 2007

CONTENTS

SUMMARY
Corporate financial behaviour and Risks
Financial behaviour of households and related risks
Banking market
Securities market and other financial intermediaries
Payment and settlement systems
Conclusion and financial stability risks
I FINANCIAL BEHAVIOUR OF COMPANIES AND HOUSEHOLDS AND THEIR RISKS
COMPANIES
Corporate business situation
Confidence
New companies and bankruptcies
Corporate investment and economic indicators
Corporate financial position and saving
Corporate debt
Real estate financing by domestic banks
HOUSEHOLDS
Economic situation of households
Confidence and household budget surveys
Labour market
Wages
Structure of expenditures
Financial position and savings
MICROECONOMIC PATTERNS OF HOUSEHOLD SAVING BEHAVIOUR
Household debt and loan-servicing capability
Level and growth of debt
Housing loans
Consumer credit
Households' loan-servicing capability and risks
II BANKING SECTOR STABILITY AND RISKS
STRATEGIC DEVELOPMENT OF THE BANKING SECTOR
Quality of assets
Capital adequacy
Liquidity
Funding
Liquid assets
Efficiency and profitability
III SECURITIES AND MONEY MARKET
International financial markets
Money market
Bond market
Stock market
IV OTHER FINANCIAL MARKETS
Investment dunds
Pension funds
Insurance
Life insurance
Non-life insurance
V PAYMENT SYSTEMS
SETTLEMENT SYSTEM OF INTERBANK PAYMENTS
Availability of settlement systems ESTA and RTGS

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