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Utfordringer for finansnæringen - Finanstilsynet

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Prosent<br />

25<br />

20<br />

15<br />

10<br />

•<br />

•<br />

5<br />

0<br />

-5<br />

Side 21<br />

Motsyklisk kapitalbuffer<br />

Kredittvekst og vekst i nominelt BNP<br />

-10<br />

1988 1990 1992 1994 1996 1998 2000 2002 2004 2006 2008 2010<br />

Nominelt BNP K2<br />

Restriksjoner på<br />

utbytte mv. innføres etter en periode der <strong>for</strong>holdstall > trend<br />

Restriksjoner oppheves når <strong>for</strong>holdstall < trend<br />

<strong>for</strong>holdstall<br />

8<br />

7<br />

6<br />

5<br />

4<br />

3<br />

2<br />

1<br />

Q1-87<br />

Kreditt / BNP<br />

Q4-92<br />

Kreditt/BNP<br />

trend<br />

Q1-07<br />

0<br />

Q4-85 Q4-88 Q4-91 Q4-94 Q4-97 Q4-00 Q4-03 Q4-06 Q4-09

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