As the national macroprudential authority, we are committed to ensuring that the domestic financial system remains resilient in the event of a reversal in house prices. The ceilings we have placed on loan-to-income (LTI) and loan-to-value (LTV) ratios on mortgage loans are essential in limiting systemic financial risk emanating from the mortgage market.
Stable, transparent, and effective banking system. 3. Resumption of lending. 4. Effective regulation of the financial sector. 5. Free flow of capital. 6. Financial inclusion. 7. Modern, open, independent, and effective central bank. The NBU’s activities aimed at achieving these goals were what made possible the comforting highs and record-high figures of 2018.