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Bank Industry Risk Analysis: Finland
Standard & Poors, Feb 1999
Abstract
The stability of the Finnish banking industry has improved greatly since the turmoil during the financial crisis of the early 1990s. Changes in government policy as well as an improving international economic climate facilitated the process. Finnish banks now display higher capital levels and better asset quality than they did during the crisis period. Important customer segments show signs of economic improvement, although the real estate market remains an area of concern. Despite the banking crisis, banks are still the main vehicle for capital allocation. Capital markets have increased in size and importance, but the dominant securities issuer is still the Finnish government. The Finnish household sector has regained confidence following the financial crisis at the beginning of the decade....
Companies mentioned in this report are: Finland (Republic of),Svenska Handelsbanken
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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