Analyses focus on current issues of particular relevance to Danmarks Nationalbank’s objectives. The analyses may also contain Danmarks Nationalbank’s recommendations. They include our projections for the Danish economy and our assessment of financial stability. Analyses are targeted at people with a broad interest in economic and financial matters.
Lower excess capital adequacy for the banks
The largest credit institutions’ results remain high, underpinned by low loan impairment charges and income from mortgage loan refinancing. Several institutions have launched initiatives aimed at securing future earnings. The largest credit institutions have reduced excess capital adequacy, and for a few it is low. The institutions should reconsider their capital targets to ensure an appropriate distance between capitalisation and capital requirements.