banksystemens
Banksystemens refers to the network of banking institutions and related entities that provide financial intermediation, payments, funding, and risk management within an economy. It includes commercial banks, savings banks, credit unions, investment banks, central banks, payment processors, and various non-bank financial institutions. The system supports the allocation of savings to investment, enables daily transactions, and helps manage liquidity for households and firms.
Core activities include taking deposits, making loans, facilitating payments, and offering other services such as foreign
Regulation and supervision aim to ensure safety and soundness, protect consumers, and maintain financial stability. Regulatory
The system faces risks including credit risk, liquidity risk, operational risk, and systemic risk from interconnected
In recent decades, digital banking, real-time payments, and fintech have transformed how individuals and firms access