How vulnerable are financial institutions to macroeconomic changes? An analysis based on stress testing

Chart 7 Fixed-rate loans to households as a percentage of total loans from banks, mortgage companies and state lending institutions, by fixed-rate period... At end-June 2006,

Banks – Connectedness Non-bank financial institutions Households – Leverage Households – Debt service Households – Credit growth Non-financial enterprises – Leverage

A higher CCyB in Alternative 2 will make banks more resilient to a situation with high loan losses and financial stress than in Alternative 1, where the buffer remain at today’s

The evaluation of these risks was based on an analysis of the information used to identify the risks and systemic stress testing of the resilience of UK banks (Box 1). The

Norges Bank’s stress tests are based on banks’ accounts as recorded in ORBOF (banking and financial account- ing statistics). The ORBOF figures apply to Norwegian

While existing statistics are based on macro data, this article uses micro data to analyse household financial wealth and debt dating back to 1987. These data show that households

In the stress test scenario with stronger wage growth and higher interest rates, financial institutions’ losses on loans to households as a percentage of total household debt

The Role of Academic Distress, Financial Stress, and Support. The Academic Impact of Financial Stress on College Students. The Mental Health Needs of Today’s College