Please use this identifier to cite or link to this item: https://hdl.handle.net/10419/210266 
Year of Publication: 
2012
Series/Report no.: 
Staff Memo No. 28/2012
Publisher: 
Norges Bank, Oslo
Abstract: 
We have been exploring possible explanations for the strong decline in the ratio between bank deposits held by the non-financial sector in Norway, and the bank loans taken by the same sector. We have followed two different but related lines of reasoning. First, we have been looking at the relative return on bank deposits and on the relative costs of bank loans in a portfolio model approach. Second, we have tried to follow financial flows to identify structural changes in the Norwegian markets that could have an effect on the deposit-to-loan ratio.
Persistent Identifier of the first edition: 
ISBN: 
978-82-7553-695-0
Creative Commons License: 
cc-by-nc-nd Logo
Document Type: 
Research Report
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