• Regional Differences in House Prices and Debt 

      Anundsen, André K.; Mæhlum, Sverre (Economic Commentaries;4/2017, Others, 2017)
      House prices and household debt are closely linked. Both house prices and household debt have been rising faster than household income for a longer period. In order to assess household vulnerabilities, debt relative to ...
    • Regionale forskjeller i boligpriser og gjeld 

      Anundsen, André K.; Mæhlum, Sverre (Aktuell Kommentar;4/2017, Others, 2017)
      Utviklingen i boligpriser og gjeld henger tett sammen. Både boligpriser og gjeld har steget raskere enn husholdningenes inntekter over lengre tid. For å vurdere sårbarheten i husholdningene er gjeld i forhold til både ...
    • Regulering av boliglån – effekter på kreditt og boligpriser 

      Lindquist, Kjersti-Gro; Riiser, Magdalena D. (Aktuell kommentar;3/2018, Others, 2018)
      Internasjonale analyser finner at reguleringstiltak rettet mot boliglån kan bidra til å dempe veksten i boligpriser og kreditt, men resultatene spriker noe med hensyn på hvilke tiltak som virker og hvor effektive de er. ...
    • Relationship Between Key Rates and Money Market Rates 

      Bache, Ida Wolden; Bernhardsen, Tom (Economic Commentaries;2/2009, Others, 2009)
      In this note we argue that the pass-through from key policy rates to money market rates has been high in Norway and other countries and remained high during the financial crisis.
    • Sammenhengen mellom styringsrenten og pengemarkedsrentene 

      Bache, Ida Wolden; Bernhardsen, Tom (Aktuell Kommentar;2/2009, Others, 2009)
    • Sammenhengen mellom styringsrenten og pengemarkedsrentene : 2007-2012 

      Bernhardsen, Tom (Aktuell Kommentar;2/2012, Others, 2012)
      I denne kommentaren vises det at endringer i styringsrenten har hatt bredt gjennomslag til pengemarkedsrentene i Norge og andre land, og at risikopåslagene i pengemarkedsrentene er uavhengig av endringer i styringsrenten. ...
    • Sammenligning av nordiske og norske banker basert på ulike soliditetsmål 

      Syversten, Bjørne Dyre H. (Aktuell Kommentar;9/2012, Others, 2012)
      Basel II-regelverket åpnet for at banker, etter godkjennelse av nasjonale tilsynsmyndigheter, kunne bruke interne modeller (IRB-modeller) for kapitaldekningsformål. Målsetningen var at kapitaldekningsmålet i bedre grad ...
    • Spillovers to Europe from the Crisis in Russia and Ukraine 

      Husabø, Eilert (Economic Commentaries;6/2014, Others, 2014)
      The IMF recently pointed to the unrest in Ukraine as a risk to global growth prospects. This article provides a short overview of transmission channels for the effects of the crisis and potential spillovers if the crisis ...
    • Sterk vekst i forbrukslån 

      Hagen, Marius; Turtveit, Lars-Tore; Vatne, Bjørn Helge (Aktuell Kommentar;1/2017, Others, 2017)
      Forbrukslån har vokst raskt de siste årene. Forbrukslån står for en liten andel av husholdningenes totale lån, men en stor andel av utlånstapene til husholdningssektoren. Ligningstall tyder på at mye av forbrukslånene ...
    • Stress Testing in Norges Bank Before and During the Crisis - an Overview 

      Havro, Gøril Bjerkhol (Economic Commentaries;5/2010, Others, 2010)
      Stress testing is a central tool in assessing the outlook for and risks to financial stability, and a tool that has received increased attention in connection with the global financial crisis. Since 2004, Norges Bank has ...
    • Strong Growth in Consumer Credit 

      Hagen, Marius; Turtveit, Lars-Tore (Economic Commentaries;1/2017, Others, 2017)
      Consumer credit has grown rapidly in recent years. While consumer credit accounts for a small share of total household debt, it represents a substantial portion of household sector credit losses. Tax assessment data indicate ...
    • Structural Liquidity 

      Aamodt, Ellen; Tafjord, Kristian (Economic Commentaries;9/2013, Others, 2013)
      Structural liquidity refers to the level of reserves in the banking system prior to market operations by Norges Bank to supply or drain reserves from the banking system. Only the central bank can create reserves. However, ...
    • Strukturell likviditet 

      Aamodt, Ellen; Tafjord, Kristian (Aktuell Kommentar;9/2013, Others, 2013)
      Strukturell likviditet er nivået på reservene i banksystemet før Norges Bank gjennomfører markedsoperasjoner for å tilføre eller trekke reserver ut av banksystemet. Det er bare sentralbanken som kan skape reserver. Staten, ...
    • Svakare vekstpotensial i eurolanda etter krisa 

      Husabø, Eilert (Aktuell Kommentar;7/2013, Others, 2013)
      Den globale finanskrisa i 2008 og den påfølgjande statsgjeldskrisa i euroområdet har hatt stor negativ innverknad på økonomisk vekst. Dette har verka direkte inn på Noreg gjennom redusert etterspurnad etter norsk eksport. ...
    • Temporary Halt in Labour Migration to Norway? 

      Halvorsen, Kaj W.; Lerbak, Marie Norum; Solheim, Haakon (Economic Commentaries;6/2009, Others, 2009)
      Labour migration to Norway increased considerably following EEA enlargement in 2004. In summer 2008, close to 95 000 persons from the Baltic countries and Poland were employed in Norway in addition to 60 000 from Nordic ...
    • The Basel I Floor – Transitional Arrangement and Backstop to the Capital Adequacy Framework 

      Borchgrevink, Henrik (Economic Commentaries;8/2012, Others, 2012)
      Capital requirements are intended to ensure that banks have a certain amount of capital to absorb unexpected losses. These requirements take into account the riskiness of banks’ various loan exposures. Such risk weighting ...
    • The Effect of a Fall in Oil Prices on the Turnover of Norwegian Enterprises 

      Brander, Anna Sandvig; Brekke, Henriette; Naug, Bjørn E. (Economic Commentaries;4/2013, Others, 2013)
      Norwegian enterprises have increased their sales to the oil and gas industry markedly in recent years. In this article, we take a closer look at the petroleum-related turnover of Norwegian enterprises and the effect of a ...
    • The Fall in Oil Prices and the Labour Market 

      Hvinden, Even C.; Nordbø, Einar W. (Economic Commentaries;7/2016, Others, 2016)
      The fall in oil prices since summer 2014 has dampened economic growth and led to higher unemployment in Norway. There are strong indications that the current decline experienced by oil-related firms in Norway will not be ...
    • The G20 and International Economic Cooperation 

      Fridriksson, Ingimundur (Economic Commentaries;4/2012, Others, 2012)
      The G20 played a pivotal role in responding to the global economic and financial crisis in early 2009. Its collective response in the later phases of the crisis may be said to have been less resolute. In the face of the ...