As the euro area has a predominantly bank-based financial system, changes in the composition and strength of banks … developments in banks' balance sheets, profitability and risk-bearing capacity and analyses their relevance for monetary policy. We …

, and the interaction with banks’ risk management, supervisory tools and statistical requirements. It also examines how the … application of fair value accounting to banks’ trading book has impacted their share price volatility. It is concluded that the …

-interest rate credit conditions and terms, the risk perception of banks and the willingness of banks to lend. Credit standards are … the internal guidelines or criteria of a bank which reflect the bank’s loan policy. The terms and conditions of a loan …

Following the adoption by the Basel Committee of new capital rules for banks, a process is now taking place in the EU …

loans and the spreads between the interest rates on loans granted by banks and the interest rates banks had to pay on their …

banks (rather than securities markets), which results in excessively volatile credit creation and lower economic growth …. Third, large universal banks - which perform a wide range of banking services, and are peculiarly common in Europe … - contribute more to systemic risk than small and narrowly focused banks. To deal with these problems, policymakers should consider …

The EU plans to revise the capital adequacy rules for banks in 2025. Regulatory amendments will be introduced in Norway … for small and medium-sized banks (SA banks). This may enable SA banks to offer cheaper loans. The new rules will have … limited implications for the largest Norwegian banks (IRB banks), but they may contribute to more equal and comparable capital …

The EU plans to revise the capital adequacy rules for banks in 2025. Regulatory amendments will be introduced in Norway … for small and medium-sized banks (SA banks). This may enable SA banks to offer cheaper loans. The new rules will have … limited implications for the largest Norwegian banks (IRB banks), but they may contribute to more equal and comparable capital …