Financial Stability In An Evolving Regulatory And Supervisory Landscape

February 25, 2013

Preview Citation

Format: Chicago

Yingbin Xiao. Financial Stability In An Evolving Regulatory And Supervisory Landscape, (USA: International Monetary Fund, 2013) accessed November 21, 2024

Disclaimer: This Working Paper should not be reported as representing the views of the IMF.The views expressed in this Working Paper are those of the author(s) and do not necessarily represent those of the IMF or IMF policy. Working Papers describe research in progress by the author(s) and are published to elicit comments and to further debate

Summary

This paper runs qualitative and quantitative analyses of the financial soundness of Danish banks. Helped by a series of Denmark’s financial policy initiatives, banks have made progress in improving financial stability. However, vulnerabilities remain. To mitigate risks, banks should continue to build more robust capital and liquidity buffers, and enhance further the transparency of disclosures. The flexibility embedded in EU regulations should be used to design strong prudential policies, treating Basel III and the CRD IV regulations as floors. Crisis prevention and management could be further strengthened by phasing out gradually deferred-amortization mortgage loans and introducing risk-adjusted deposit insurance premia.

Subject: Banking, Collateral, Covered bonds, Financial institutions, Financial sector policy and analysis, Financial sector stability, Loans, Mortgages

Keywords: Asia and Pacific, Asset, Asset quality, Bail-in, Baltics, Bank, Bank assets, Central and Eastern Europe, Collateral, Covered bond holder, Covered bonds, Crisis resolution, Danish banks, Deposit insurance, Financial sector stability, Global, Impairment charge, Liquidity support facilities, Loans, Loss impairment, Macroprudential and microprudential policies, Middle East, Mortgage, Mortgage bank, Mortgage lending, Mortgages, Regulation and supervision, Risk-weighted assets, SIFI, Systemic risk, WP

Publication Details

Pages:

18
Volume:

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DOI:

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Issue:

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Series:

Working Paper No. 2013/047
Stock No:

WPIEA2013047
ISBN:

9781475529661
ISSN:

1018-5941

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