Timo Kosenko Economist at Eesti Pank

The options for funding for Estonian companies are good. The growth in liquid assets has improved the capacity of companies to fund their activities and make investments using their own funds. Their access to external funding also remains... more

Kirstin Saluveer Economist at Eesti Pank

New loans and leases to private individuals have been added less quickly in the past couple of months than previously. Although the growth in borrowing by companies has accelerated a little at the same time, this is mainly because of... more


The closing of Danske Bank’s branch after it was prohibited on Tuesday from operating in Estonia for violating anti-money laundering rules will not have any substantial impact on the Estonian economy. That is because Danske has already stopped providing services to private individuals and local... more


The Nordic and Baltic financial stability authorities have conducted a joint financial crisis management exercise. The exercise was held from 22 to 23 January 2019 and involved 31 authorities from Denmark, Estonia, Finland, Iceland, Latvia, Lithuania, Norway and Sweden as well as relevant... more

Mari Tamm Economist at Eesti Pank

The growth in the volume of loans to individuals and companies was strong in December, though new loans were added at a slower rate than before. Bank deposits continued to grow faster than loans. The total profit of the banks operating in... more

Taavi Raudsaar Economist at Eesti Pank

The growth in corporate equity slowed over the first three quarters of 2018. The yearly growth in equity was around 4% by the end of the third quarter, which is a little below the growth in corporate debt. The growth in equity has... more

Mari Tamm Economist at Eesti Pank

In November, 14% more was taken in new housing loans than a year earlier and the growth in car leases continued at the same rate. There was also an increase in corporate borrowing, though mainly because of big individual transactions by... more


Domestic cooperation

Eesti Pank works with the Ministry of Finance and the Estonian Financial Supervision Authority in ensuring the reliability of the Estonian financial system and the appropriateness of the regulation underpinning the financial sector.

This is coordinated... more


Macroprudential policy covers systemic risk analysis and assessment, and the deployment of measures to ensure financial stability. The macroprudential authority in Estonia is Eesti Pank. Under the Eesti Pank Act, the duties of Eesti Pank include supporting the stability of the financial system... more

Kirstin Saluveer Economist at Eesti Pank

New housing loans were added at a slightly slower rate in the past few months, but in October the take-up of housing loans picked up again. The average interest rate for housing loans remained at 2.5% in October, which is the same rate... more

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