I dette notatet gis først en kort innføring i noen grunnleggende trekk ved et tosidig marked som kortmarkedet. Deretter gjennomgås noe av den teoretiske litteraturen om betalingskort. Vi ser spesielt på om gebyrstrukturen i kortmarkedet avviker fra det samfunnsøkonomisk optimale og...

Simply stating that because equity is much more expensive than debt funding, banks total funding costs will increase accordingly if their equity ratio is increased, biases the estimated increase upwards. As recently put forwards in the literature, one has to take into account that higher equity...

In this note we seek to provide a first guide to how the economic literature explains the rationale for regulating banks. The guide is not exhaustive with respect to academic papers covered. Neither do we elaborate on how banks should be regulated; we only mention key measures in existing...

This report looks at the competitiveness of the Norwegian banking sector, in particular with respect to banking regulation and taxation. How do Norwegian banks perform relative to other European banks and relative to other firms in Norway? Do Norwegian banks have a competitive handicap compared...

Her gjennomgås hvordan bail-in eller nedskrivning av en banks gjeldsfordringer og tvungen konvertering av gjeld til egenkapital kan brukes under krisehåndtering av banken. Fremstillingen tar utgangspunkt i EUs direktiv for krisehåndtering av banker som Europaparlamentet og EU-rådet...

In this paper we present a set of error correction models in order to forecast separately the change in demand for each of the notes and coins issued by Norges Bank. Such forecasts can play a role in planning how many new banknotes and coins Norges Bank should order from its producers. The...

At macro level, large loan losses for banks have often been preceded by periods of high lending growth. We analyse at bank level whether high loan growth also leads to more problem loans later on. The analysis is carried out on a panel of Norwegian banks covering the period 1996 - 2016. The...