Blar i Aktuell kommentar / Economic Commentaries på tittel
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Bankenes kredittrisiko mot oljeleverandørnæringen
(Aktuell Kommentar;5/2016, Others, 2016)Den direkte kreditteksponeringen mot oljeleverandørnæringen er samlet sett lav i norske banker. Til tross for betydelig fall i oljepris og oljeinvesteringer har bankenes utlånstap holdt seg lave. Flere oljeleverandører ... -
Bankenes marginer
(Aktuell Kommentar;4/2014, Others, 2014)Det har den siste tiden vært fokus på hvordan bankene priser utlån. Ulike aktører har sprikende synspunkter på om bankenes marginer er høye, og hvordan de har utviklet seg over tid. Denne kommentaren søker å avklare ulike ... -
Banks’ Credit Risk Associated with the Oil Service Industry
(Economic Commentaries;5/2016, Others, 2016)Norwegian banks’ direct credit exposures to the oil service industry are low overall. Despite a substantial fall in oil prices and oil investment, banks’ losses on loans have remained low. The debt-servicing capacity of a ... -
Banks’ Margins
(Economic Commentaries;4/2014, Others, 2014)The issue of the pricing of bank loans has recently been in focus. There are varying views on whether banks’ margins are high and their development over time. This article seeks to clarify different margin concepts and ... -
Basel I-gulvet – overgangsregel og sikkerhetsmekanisme i kapitaldekningsregelverket
(Aktuell Kommentar;8/2012, Others, 2012)Kapitalkravene skal sørge for at banker har en viss mengde kapital til å møte uventede tap. Kravene tar hensyn til hvor risikable bankenes ulike utlån er. Denne risikovektingen innebærer at det kreves mer kapital for mer ... -
Beregninger av boligbehov i Norge
(Aktuell Kommentar;6/2011, Others, 2011)Denne artikkelen ser nærmere på endringer i boligbehovet og mengden boliger som er tilgjengelig. En tidligere analyse fra 2008 indikerer at boligbyggingen var lavere enn etterspørselsveksten de siste årene frem mot 2007. ... -
Bolig og gjeld
(Aktuell Kommentar;9/2009, Others, 2009)Lån med pant i bolig utgjør mer enn halvparten av bankenes samlede utlån. Det er derfor viktig å forstå risikoforholdene knyttet til boliggjeld i analyser av finansiell stabilitet. To forhold er av særlig interesse; ... -
Branches of Foreign Banks and Credit Supply
(Economic Commentaries;2/2017, Others, 2017)Over time, the government has received substantial revenues in both NOK and foreign currency from the petroleum sector (the government’s net cash flow). At the same time, the government earns considerable foreign currency ... -
Bruk av referansekurser og påvirkning på valutamarkedet
(Aktuell Kommentar;8/2014, Others, 2014)I valutamarkedet gjøres det daglig millioner av handler. Valutakursene endrer seg kontinuerlig gjennom dagen og kan svinge mye i løpet av svært korte tidsrom. I mange sammenhenger er det behov for en daglig referansekurs ... -
Calculating the Need for Housing in Norway
(Economic Commentaries;6/2011, Others, 2011)This article examines changes in the need for housing and the stock of available dwellings. A previous analysis conducted in 2008 indicates that growth in residential construction was lower than growth in demand in the ... -
Commercial Real Estate in Norway
(Economic Commentaries;6/2016, Others, 2016)Norwegian banks' corporate loan exposure is highest in the commercial real estate market. Over the past 40 years, lending to the commercial real estate sector has played an important role in causing bank losses. Commercial ... -
Consequences of an Abrupt Slowdown in China’s Property Market
(Economic Commentaries;5/2014, Others, 2014)The Chinese property market probably poses one of the greatest downside risks to the global economy in 2014. Construction starts this spring were 20 percent lower than at the same time last year. At the same time, the stock ... -
CPI-FW : A Frequency Weighted Indicator of Underlying Inflation
(Economic Commentaries;7/2009, Others, 2009)The monthly change in the CPI varies considerably, and the change from one month to the next often provides little indication about the future direction of inflation. In order to be able to form a picture of how much of ... -
CPIM : A Model-Based Indicator of Underlying Inflation
(Economic Commentaries;6/2010, Others, 2010)The CPIM is a new indicator of underlying inflation (see the October 2010 Monetary Policy Report). This indicator is based on the predictive power of the sub-indices of the CPI and thus differs somewhat from other indicators ... -
CPIXE, a New Indicator of Underlying Inflation
(Economic Commentaries;3/2008, Others, 2008)The operational target of monetary policy is annual consumer price inflation of approximately 2.5 per cent over time. In general, the direct effects on consumer prices resulting from changes in interest rates, taxes, excise ... -
Debt-Servicing Capacity of Norwegian Listed Non-Financial Companies
(Economic Commentaries;3/2016, Others, 2016)The debt-servicing capacity of Norwegian non-financial companies listed on Oslo Børs has declined somewhat and is currently lower than the average for the past 14 years. Recently, the oil service sector in particular has ... -
Decomposing Debt Growth
(Economic Commentaries;12/2012, Others, 2012)High debt growth can increase the risk of instability in the financial system. In monitoring financial stability it is therefore important to closely monitor debt accumulation. Norges Bank uses Statistics Norway’s credit ... -
Decomposition of the Increase in Household Debt
(Economic Commentaries;6/2017, Others, 2017)Average debt among Norwegian households has increased substantially over time. A decomposition analysis shows that debt growth to a great extent reflects higher incomes and higher house values. For homeowners, debt growth ... -
Deflasjonsindikator for euroområdet
(Aktuell Kommentar;1/2014, Others, 2014)Prisveksten i euroområdet har falle til eit lågt nivå. Den låge prisveksten har ført til uro for deflasjon. Vi konstruerer ein indikator som skal fange opp om eit land opplever deflasjon. Den viser at euroområdet samla og ... -
Deflation Indicator for the Euro Area
(Economic Commentaries;1/2014, Others, 2014)Euro area inflation has fallen to a low level, which has given rise to concerns about deflation. We have constructed an indicator designed to capture whether a country is in deflation. The indicator shows that the euro ...