Browsing Norges Banks vitenarkiv by Title
Now showing items 1003-1022 of 2799
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Household Net Lending – What the Micro Data Indicate
(Journal article, 2009)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 35–44 age group were behind the ... -
Household Saving and the Economic Outlook
(Others, 2005) -
Housing and Debt
(Economic Commentaries;9/2009, Others, 2009)Residential mortgage loans account for more than half of banks’ total lending. It is therefore important to understand the risk factors related to housing debt when analysing financial stability. Two factors are of particular ... -
Housing Finance in Norway
(Others, 2010) -
Housing Investment and House Prices
(Journal article, 2007) -
The housing Phillips curve and momentum in the Norwegian housing market
(Staff Memo;10/2023, Working paper, 2023)This paper provides descriptive evidence for a housing Phillips curve in Norway, suggesting a negative relationship between the ratio of inventory-to-sales and subsequent house price growth in the market for existing homes. ... -
How Accurate Are Credit Risk Models in Their Predictions Concerning Norwegian Enterprises?
(Journal article, 2004)Historically, banks’ solvency problems are often due to losses on loans to enterprises. Credit risk associated with loans to enterprises is therefore an important aspect when Norges Bank assesses financial stability. Two ... -
How broadband internet affects labor market matching
(Working Paper;1/2020, Working paper, 2020)How the internet affects job matching is not well understood due to a lack of data on job vacancies and quasi-experimental variation in internet use. This paper helps fill this gap using plausibly exogenous roll-out of ... -
How Central Banks Influence Interest Rates
(Others, 2015) -
How Do Banks’ Funding Costs Affect Interest Margins?
(Working Papers;9/2011, Working paper, 2011)We use a dynamic factor model and a detailed panel data set with quarterly accounts data on all Norwegian banks to study the effects of banks’ funding costs on their retail rates. Banks’ funds are categorized into two ... -
How do climate-related conditions affect Norwegian enterprises? : Results of three surveys in Norges Bank's Regional Network
(Staff Memo;5/2023, Working paper, 2023)Climate change and the transition to a low-carbon economy affect the Norwegian and global economy in many ways. To gain greater insight into how these changes affect the Norwegian economy, Norges Bank has asked a selection ... -
How Do Households Finance Real Estate Purchases?
(Economic Commentaries;2/2018, Others, 2018)Norwegian households' high debt levels have long been cited as a financial stability risk (see e.g. Norges Bank's Financial Stability Report). Household borrowing is closely associated with the financing of home purchases, ... -
How does IFRS 9 affect banks’ impairment recognition in bad times?
(Staff Memo;9/2019, Working paper, 2019)IFRS 9 has changed the way banks recognise credit losses. Under IFRS 9, credit impairment shall be based on more forward-looking assessments by including recognition of expected credit losses. The purpose of this memo is ... -
How does monetary policy affect household indebtedness?
(Working Paper;5/2021, Working paper, 2021)Households’ debt-to-income ratios change due to (a) primary deficits or (b) "Fisher effects" from interest costs, income growth, and inflation. With Norwegian micro data, we estimate how monetary policy affects household ... -
How Does Monetary Policy Respond to Exchange Rate Movements? New International Evidence
(Working Papers;15/2008, Working paper, 2008)This paper analyzes how monetary policy responds to exchange rate movements in open economies, paying particular attention to the two-way interaction between monetary policy and exchange rate movements. We address this ... -
How Does Norges Bank Influence Interest Rates? : chronicle in Finansavisen
(Chronicle, 1999-08-30) -
How important is it for a nation to have a payment system?
(Others, 2019) -
How Is Market Turbulence Affecting Norwegian Banking Groups' Funding Costs?
(Economic Commentaries;7/2012, Others, 2012)Recent years' turbulence in financial markets has led to changes in funding conditions for Norwegian banking groups. Through 2008, risk premiums on banking groups' bond funding rose sharply. After falling back and stabilising ... -
How Large Are the Financial Margins of Norwegian Households? an Analysis of Micro Data for the Period 1987–2004
(Journal article, 2006)In this article, financial margins in Norwegian households are calculated using micro data for the period 1987 – 2004. Financial margins are defined as household liquid assets after borrowing costs and ordinary living ... -
How Many Are Unemployed?
(Economic Commentaries;9/2016, Others, 2016)The gap between the official unemployment measures in Norway has recently been unusually wide. In this commentary, we discuss possible explanations for this gap. Part of the difference can be attributed to the fact that ...