A stable financial market
Ensuring that the financial market is stable is one of the OeNB’s core tasks. Whether you save, invest or borrow money – you need to be sure that commitments are kept and that your money is safe. To achieve this, the OeNB fulfils a number of important tasks: We supervise banks and monitor risks to the financial system as a whole. Furthermore, we are responsible for the oversight of payment systems.
Financial Stability Report
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Stable financial markets are important for the economy and the labour market
The financial market brings together those who save and invest and those who borrow capital – people, businesses and governments. The intermediaries between savers and investors on the one hand, and borrowers on the other, are mostly banks, but also insurance and investment firms. In a well functioning, stable financial market, borrowers get the money they need, and savers and investors can be sure that the money they hold in accounts, or have invested in bank bonds and bank shares, is safe. A crisis in the financial market can have serious negative consequences for the economy and the labour market.
In this section
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Banking supervision
How is banking supervision organised in Austria and Europe? What are supervisors’ tasks? And how does supervision help banks prepare for crisis situations?
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Systemic risks
How can systemic risks be reduced? What are buffers and how can they be used? And what role do stress tests play?
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Deposit insurance
How do deposit guarantee schemes protect the money you have in your bank account? Who pays for this protection? And how does the supervision of deposit guarantee schemes work?
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Payment system oversight
Why do payment systems have to be supervised? And what role does the OeNB play in this context?
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Real estate market
Why does the OeNB monitor and analyse developments in the real estate market? How are the real estate market and financial stability connected?
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Cyber resilience
How does the OeNB contribute to resilience against cyberattacks?
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Stablecoins
What are stablecoins? What is the role of the OeNB and the FMA in this context?
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Climate & central banks
Why is climate change relevant to the OeNB? How does climate change affect financial stability?
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