From 30 September, Swedbank and SEB Pank will have to apply an average risk weight of at least 15% in calculating the risk weighted exposure for mortgage loans issued in Estonia. Eesti Pank is applying the requirement in order to make sure that banks have sufficient capital to cover the risks... more

Taavi Raudsaar Economist at Eesti Pank

Banking statistics published today indicate that the portfolio of loans issued to companies and households continued to grow rapidly in July, as did deposits, though other economic indicators point more towards slower growth in the... more

Raido Kraavik Economist at Eesti Pank

According to the banking statistics published today, the demand for loans was broadly in line with the average in June. There has been an increase in corporate car leases, though, as the value of car leases taken over the last year is up... more

Taavi Raudsaar Economist at Eesti Pank

The financial account statistics published by Eesti Pank today show that the growth in the equity of Estonian non-financial enterprises has slowed in the past year and a half. The yearly growth in equity was around 2.5% in the first... more

Jana Kask Economist at Eesti Pank

The average interest rate for housing loans granted in May was up on the previous month at 2.6%, as was that for long-term corporate loans at 2.9%. There has been a slight upward trend in interest margins in 2019, which can partly be... more


The Structure of the Estonian Financial Sector discusses factors that affect the architecture and design of the financial sector in Estonia. It provides a background for understanding the development trends and risks described in the Financial Stability Review.

The Structure of... more


Financial stability means the smooth functioning of financial intermediation under both normal and unexpectedly adverse circumstances.

Safeguarding the stability of the financial system is one of the key functions of Eesti Pank under the Eesti Pank Act. The central bank oversees the... more

Raido Kraavik Economist at Eesti Pank

Borrowing by households slowed at the start of the year, but it bounced back in April as households were active in taking housing loans and car leases. The corporate loan portfolio has gradually increased in volume and the average... more

Mari Tamm economist at Eesti Pank

The stock of housing loans grew quite fast in March, but the number of new loan contracts signed has been smaller recently than it was a year ago. Corporate loans increased mainly because of energy companies, while demand for credit remained... more

The Financial Stability Review is the main output of the financial stability analysis conducted by Eesti Pank. The review includes also the central bank’s assessment to Estonian financial stability and covers related policy measures. The Financial Stability Review is published twice a year. 
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