03.03.2016
Lending and borrowing activity in the euro area has increased slowly among companies and households, but it remains quite calm. Companies and households don't want to increase substantially their debt liabilities and investment because of their relatively high debt levels and the continuing... more
02.12.2015
  • The countercyclical capital buffer will reduce the risks of rapid credit growth at the banks and the chances of a credit boom occurring
  • The buffer rate is being set at 0% in Estonia for now as credit growth is in line with GDP growth
  • The central bank will assess the need... more
05.11.2015
The Eesti Pank Financial Stability Review is published twice a year. Each issue of the Review refers to the time the analysis was completed, not to the period it covered. The Review uses the latest available data at the time of preparation of each issue.
28.10.2015
  • he risks to financial stability in Estonia have increased slightly, though they remain small
  • Weak external demand and rapidly rising labour costs are hurting the ability of companies to repay loans
  • The credit and real estate boom in Sweden and Norway is increasing the... more
30.07.2015

Changes to the Eesti Pank Act came into force on 19 May 2014 giving the central bank a clearer mandate than before to act as a macroprudential authority in Estonia. Due to its renewed duties Eesti Pank has drawn up a framework that specifies the objectives of macroprudential policy and the role... more

18.05.2015
The Eesti Pank Financial Stability Review is published twice a year. Each issue of the Review refers to the time the analysis was completed, not to the period it covered. The Review uses the latest available data at the time of preparation of each issue.
29.04.2015

The risks to financial stability in Estonia are small, as they were last year. The biggest risk in the coming half year is that a deterioration of the external environment could provoke a recession and damage the loan quality of the banks. Nordic real estate prices and credit levels have... more

04.03.2015

Three requirements for commercial banks issuing housing loans start to apply from this week. They are a precautionary measure by Eesti Pank to reduce the risks of a lending bubble inflating in the future.

Governor of Eesti Pank Ardo Hansson explained that the move by the central bank... more

05.01.2015

The requirements regulating the issuing of housing loans are intended to strengthen the resilience of borrowers and lenders against unfavourable economic developments, and to limit excessive credit growth in the growth phase of the credit cycle and in turn contain the increase in real estate... more

22.07.2014

Financial stability analysis at Eesti Pank is a two-stage process.

  • Fundamental analysis of the financial system, which covers the main areas of risk and identifies possible systemic risks and also includes forecasts for developments in the banking sector
  • Risk assessment, which... more
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