Innovasjon er nødvendig for samfunnsutviklingen, men det er også kostbart. Adgangen til å pantsette immaterialrettigheter kan øke kredittilgangen for innovasjons- og teknologibedrifter. Det er på denne måten en sammenheng mellom rimelig kreditt og innovasjon. Denne sammenhengen er...

The EU plans to revise the capital adequacy rules for banks in 2025. Regulatory amendments will be introduced in Norway through the EEA Agreement. Our results show that the regulatory amendments can significantly reduce the capital requirement for small and medium-sized banks (SA banks). This...

Loans to non-financial enterprises are the main source of banks' losses. Analyses of banks' losses on corporate loans are therefore important in the assessment of financial stability. This paper presents Norges Bank's framework for estimating losses on corporate loans built up from microdata for...