Thus, we have begun to foster harmonisation in this area as well. Such efforts over the last year have helped us to lay the foundations for truly European banking supervision. Consequently, our focus this year will shift slightly – from the methodology and structures of banking supervision to its content. Banking supervisors are effectively tasked with worrying.
The weak housing market in areas such as western and southern Zealand is reflected in a clear overrepresentation of households with a loan-to-value ratio in excess of 80 per cent, as well as an overrepresentation of mortgage arrears and enforced sales. Add to this the negative effects on e.g. local trade.