{"id":6154,"date":"2024-06-07T17:05:52","date_gmt":"2024-06-07T17:05:52","guid":{"rendered":"https:\/\/24fo.news\/?p=6154"},"modified":"2024-06-07T17:05:52","modified_gmt":"2024-06-07T17:05:52","slug":"fundur-i-foeroya-vadaradi-3-juni-2024","status":"publish","type":"post","link":"https:\/\/24fo.news\/index.php\/2024\/06\/07\/fundur-i-foeroya-vadaradi-3-juni-2024\/","title":{"rendered":"Fundur \u00ed F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0i 3. juni 2024"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><em>F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hildi\u00f0 seksogtj\u00fagunda fundin og metir framvegis, at tekin ikki eru um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum. <\/em><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><em>\u00datl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum er h\u00f8gur, men er t\u00f3 l\u00e6kka\u00f0ur s\u00ed\u00f0ani januar 2024. \u00cd mars 2024 var \u00fatl\u00e1nsv\u00f8ksturin 8,5% \u00ed f\u00f8roysku bankunum. \u00datl\u00e1nsv\u00f8ksturin \u00a0stavar serliga fr\u00e1 \u00fatl\u00e1num til kommunur og almenn fel\u00f8g. L\u00e1n, sum almenn fel\u00f8g og kommunur taka, eru ein \u00f3beinlei\u00f0is eksponering hj\u00e1 landskassanum. V\u00e1\u00f0ar\u00e1\u00f0i\u00f0 leggur til merkis, at innl\u00e1nsyvirskoti\u00f0 \u00ed f\u00f8roysku bankunum framvegis er l\u00e6kka\u00f0, men at gjaldf\u00f8ri\u00f0 \u00ed bankunum hinvegin er n\u00f8ktandi. B\u00faskaparligu lyklat\u00f8lini eru jalig, og samb\u00e6rt n\u00fdggjastu \u00fatl\u00e1nskanningini, bo\u00f0a bankarnir hv\u00f8rki fr\u00e1 fleiri umb\u00f8num um sk\u00e1ar ella fleiri eftirst\u00f8\u00f0um enn vanligt. Hetta h\u00f3ast f\u00edggjarliga st\u00f8\u00f0an hj\u00e1 h\u00fasarhaldunum er versna\u00f0 orsaka\u00f0 av st\u00f3ru pr\u00eds- og rentuh\u00e6kkingunum. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 heldur framvegis eyga vi\u00f0 \u00fatl\u00e1nsv\u00f8kstrinum \u00ed f\u00f8royska bankageiranum.\u00a0 \u00a0<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u00faskaparliga st\u00f8\u00f0an er g\u00f3\u00f0; ta\u00f0 er avlop \u00e1 v\u00f8ruhandilsjavnanum, arbei\u00f0sloysi\u00f0 er l\u00e1gt (1%, april 2024) og inflati\u00f3nin er l\u00e6kkandi (2,6%, 1. \u00e1rsfj. 2024). Hagt\u00f8lini fyri kortn\u00fdtslu hj\u00e1 f\u00f8royingum \u00ed F\u00f8royum og uttanlands v\u00edsa, at n\u00fdtslan teir fyrstu 3 m\u00e1na\u00f0irnar av 2024 ikki hevur veri\u00f0 l\u00e6gri, enn \u00ed sama t\u00ed\u00f0arskei\u00f0i \u00ed fj\u00f8r. Ta\u00f0 kemur v\u00e6ntandi av, at f\u00f8royski arbei\u00f0smarkna\u00f0urin er stinnur og at arbei\u00f0sloysi\u00f0 er s\u00f8guliga l\u00e1gt. Nominelli b\u00faskaparv\u00f8ksturin er mettur til 4,4% \u00ed 2024, men ver\u00f0ur atlit tiki\u00f0 at v\u00e6nta\u00f0u pr\u00edsgongdina, ver\u00f0ur reali v\u00f8ksturin eftir \u00f8llum at d\u00f8ma l\u00e1gur \u00ed 2024.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seth\u00fasapr\u00edsirnir eru \u00f8ktir \u00ed fyrsta \u00e1rsfj\u00f3r\u00f0ingi \u00ed 2024 \u00ed Havnini, b\u00e6\u00f0i \u00e1 seth\u00fasum og \u00edb\u00fa\u00f0um samanbori\u00f0 vi\u00f0 fyrsta \u00e1rsfj\u00f3r\u00f0ing 2023, me\u00f0an teir \u00ed sama t\u00ed\u00f0arskei\u00f0i eru l\u00e6kka\u00f0ir \u00ed restini av landinum. T\u00f8lini eru t\u00f3 heft vi\u00f0 \u00f3vissu, t\u00ed einstakar s\u00f8lur kunnu \u00e1virka mi\u00f0alpr\u00edsin, serliga t\u00e1 i\u00f0 tali\u00f0 av s\u00f8lum er l\u00e1gt<sup>[1]<\/sup>. B\u00fasta\u00f0arrentan er n\u00fa \u00ed mi\u00f0al 5,36% (mars 2024) fr\u00e1 f\u00f8roysu bankunum og 3,36% \u00ed mi\u00f0al \u00e1 seth\u00fasal\u00e1num hj\u00e1 f\u00f8royskum kundum \u00ed donskum realkredittstovnum \u00edrokna\u00f0 bidrag. Evropeiski Mi\u00f0bankin (ECB) hevur 6. juni fr\u00e1bo\u00f0a\u00f0 eina rentul\u00e6kking \u00e1 0,25 prosentstig vi\u00f0 gildi 12. juni 2024. Nationalbankin fr\u00e1bo\u00f0a\u00f0i eftirfylgjandi eisini eina rentul\u00e6kking \u00e1 0,25 procentstig, galdandi longu fr\u00e1 7. juni 2024. Hetta fer s\u00ed\u00f0ani eisini at \u00e1virka renturnar \u00ed f\u00f8roysku bankunum. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00datl\u00e1nsv\u00f8ksturin fr\u00e1 f\u00f8roysku bankunum var 8,5% \u00ed mars 2024 rokna\u00f0 sum eitt 3 m\u00e1na\u00f0ar mi\u00f0altal. &nbsp;\u00datl\u00e1nsv\u00f8ksturin er sostatt fremvegis h\u00f8gur, men hann er t\u00f3 l\u00e6kka\u00f0ur s\u00ed\u00f0ani \u00e1rslok 2023. \u00datl\u00e1nsv\u00f8ksturin stavar serliga fr\u00e1 \u00fatl\u00e1num til kommunur og almenn fel\u00f8g, t\u00f3 s\u00e6st eisini ein v\u00f8kstur \u00ed \u00fatl\u00e1num til h\u00fasarhaldini. V\u00f8ksturin \u00ed \u00fatl\u00e1num til f\u00f8roysku h\u00fasarhaldini stavar t\u00f3 mest fr\u00e1 t\u00ed, at tey hava skift fr\u00e1 donskum realkredittl\u00e1num til f\u00f8roysk b\u00fasta\u00f0arl\u00e1n. H\u00fasarhaldini skylda 13,9 mia. kr. tilsamans har 10,4 mia. kr. er skuld \u00ed f\u00f8royskum bankum, me\u00f0an 3,5 mia. kr. er skuld \u00ed donskum realkredittstovnum (mars 2024). \u00datl\u00e1nsv\u00f8ksturin hj\u00e1 donskum realkredittstovnum til f\u00f8royskar kundar er negativur, og \u00fatl\u00e1nsv\u00f8ksturin hj\u00e1 f\u00f8roysku og donsku peninga- og realkredittstovnum tilsamans, var 5,7% \u00ed mars 2024. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00f8ksturin \u00ed \u00fatl\u00e1num fr\u00e1 f\u00f8roysku bankunum til kommunur og almenn fel\u00f8g er h\u00f8gur. Kommunurnar hava \u00f8kt um l\u00e1nt\u00f8kuna vi\u00f0 umlei\u00f0 200 mi\u00f3. kr. \u00ed t\u00ed\u00f0arskei\u00f0inum fr\u00e1 mars 2023 til mars 2024. Burturav samla\u00f0u skuldini hj\u00e1 \u00f8llum kommununum \u00e1 1,6 mia. kr., skylda T\u00f3rshavnar- og Klaksv\u00edkar kommuna 900 mi\u00f3. kr.; t\u00e6r skyld um 450 mi\u00f3. kr. \u00ed part. Kommunurnar hava millum anna\u00f0 l\u00e6nt til at byggja havnir og \u00edl\u00f8gur \u00ed undirst\u00f8\u00f0ukervi\u00f0, me\u00f0an almennu fel\u00f8gini hava l\u00e6nt til \u00edl\u00f8gur \u00ed fastogn, flutning og el-framlei\u00f0slu. V\u00f8ksturin \u00ed \u00fatl\u00e1num til privatu vinnuna var hinvegin l\u00e1gur; hann var 0,9% \u00ed mars 2024. L\u00e1n, sum almenn fel\u00f8g og kommunur taka, eru ein \u00f3beinlei\u00f0is eksponering hj\u00e1 landskassanum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Innl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum var negativur \u00ed mars 2024; hann var -0,4% fr\u00e1 f\u00f8royskum kundum tilsamans, men var t\u00f3 positivur hj\u00e1 h\u00fasarhaldunum (3,8% \u00ed mars 2024). Innl\u00e1nsv\u00f8ksturin hj\u00e1 h\u00fasarhaldunum er \u00f8ktur; hann hevur \u00e1\u00f0ur veri\u00f0 l\u00e6gri, til d\u00f8mis var hann 1,8% \u00ed mars 2023. Innl\u00e1n, sum hava eitt sindur longri uppsagnart\u00ed\u00f0, eru n\u00fa \u00f8kt, og ta\u00f0 kemur allarhelst av \u00f8ktu innl\u00e1nsrentuni. Innl\u00e1nsyvirskoti\u00f0 \u00ed f\u00f8roysku bankunum \u00edrokna\u00f0 \u00fatlendsku deildina hj\u00e1 F\u00f8roya Banka er framvegis l\u00e6kkandi. Innl\u00e1nsyvirskoti\u00f0 var 239 mio. kr. \u00ed mars 2024, men gjaldf\u00f8ri\u00f0 hj\u00e1 bankunum er hinvegin n\u00f8ktandi. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 metir, at ta\u00f0 ikki eru grei\u00f0 tekin um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum, men leggur til merkis, at \u00fatl\u00e1nsv\u00f8ksturin er h\u00f8gur til kommunur og almenn fel\u00f8g, sum \u00f3beinlei\u00f0is er ein eksponering hj\u00e1 landskassanum. F\u00f8royar V\u00e1\u00f0ar\u00e1\u00f0 varnast eisini, at innl\u00e1nsyvirskoti\u00f0 hj\u00e1 bankunum er l\u00e6kkandi. F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 heldur vaki\u00f0 eyga vi\u00f0 \u00fatl\u00e1nsv\u00f8kstrinum hj\u00e1 f\u00f8roysku bankunum, og eyglei\u00f0ir framvegis vi\u00f0urskifti, sum hava \u00e1virkan \u00e1 f\u00edggjarliga st\u00f8\u00f0ufesti\u00f0 \u00ed F\u00f8royum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Onnur evni<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Kapitalkr\u00f8v<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 umr\u00f8ddi \u00e1 fundinum samla\u00f0u kapitalkr\u00f8vini, sum f\u00f8royski bankarnir skulu l\u00faka, umframt hvat slag av kapitali, sum ymsu kapitalkr\u00f8vini kunnu l\u00fakast vi\u00f0. Hetta var samanbori\u00f0 vi\u00f0 kapitalprosentini \u00ed roknskapunum fyri 2023 hj\u00e1 f\u00f8roysku bankunum. Allir f\u00f8roysku bankarnir l\u00faka s\u00edni kapitalkr\u00f8v vi\u00f0 \u00e1rslok 2023.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00datl\u00e1nskanning<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cd \u00fatl\u00e1nskanning Landsbankans fr\u00e1 fyrsta \u00e1rsfj\u00f3r\u00f0ingi 2024 meta tr\u00edggir av f\u00fdra peningastovnum st\u00f8\u00f0una sum heild vera \u00f3broytta \u00ed mun til \u00e1rsfj\u00f3r\u00f0ingin fyri. Ein av peningastovnunum hevur hert kredittstandardin eitt vet m\u00f3tvegis privat- og vinnukundum vegna \u00f8ktan v\u00e1\u00f0a, men kredittstandardurin v\u00e6ntast at linka aftur, t\u00e1 i\u00f0 renturnar l\u00e6kka. Tveir \u00fat av f\u00fdra peningastovnum bo\u00f0a fr\u00e1 l\u00e6gri eftirspurningi fr\u00e1 privatkundum eftir f\u00edgging. Eins og \u00ed undanfarnu \u00e1rsfj\u00f3r\u00f0ingunum, er f\u00edggjarst\u00f8\u00f0an hj\u00e1 privatkundum mett at vera versna\u00f0 vegna inflati\u00f3n og rentuh\u00e6kkingar, men bankarnir bo\u00f0a ikki fr\u00e1 fleiri trotum ella fyrispurningum um sk\u00e1ar \u00e1 l\u00e1num.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Gr\u00f8na orkuskifti\u00f0<\/strong>&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur umr\u00f8tt ve\u00f0urlagsbroytingar, og hvussu ta\u00f0 kann \u00e1virka f\u00edggjargeiran og harvi\u00f0 f\u00edggjarliga st\u00f8\u00f0ufesti\u00f0. F\u00f8roysku bankarnir taka b\u00e6\u00f0i atlit til fysiskar avlei\u00f0ingar av ve\u00f0urlagsbroytingum og v\u00e1\u00f0ar \u00ed sambandi vi\u00f0 gr\u00f8na orkuskifti\u00f0 \u00ed s\u00edni v\u00e1\u00f0ast\u00fdring. Bankarnir skunda harafturat undir gr\u00f8na orkuskiftinum vi\u00f0 at bj\u00f3\u00f0a l\u00e6gri rentu fyri sonevnd gr\u00f8n l\u00e1n, sum eitt n\u00fa eru l\u00e1n til \u00edl\u00f8gur \u00ed gr\u00f8nar orkukeldur so sum hitapumpur og fjarhita \u00edsta\u00f0in fyri oljuf\u00fdr, ella el-bilar \u00edsta\u00f0in fyri vanligar bilar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>F\u00f8roya V\u00e1\u00f0ar\u00e1\u00f0 hevur hildi\u00f0 seksogtj\u00fagunda fundin og metir framvegis, at tekin ikki eru um, at systemiskir v\u00e1\u00f0ar eru \u00ed umb\u00fana\u00f0 \u00ed f\u00f8royska bankageiranum. \u00datl\u00e1nsv\u00f8ksturin \u00ed f\u00f8roysku bankunum er h\u00f8gur, men&hellip;<\/p>\n","protected":false},"author":1,"featured_media":4398,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[7],"tags":[],"class_list":["post-6154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vinnutidindir-samfelga-24-fo"],"_links":{"self":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/6154","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/comments?post=6154"}],"version-history":[{"count":1,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/6154\/revisions"}],"predecessor-version":[{"id":6155,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/posts\/6154\/revisions\/6155"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media\/4398"}],"wp:attachment":[{"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/media?parent=6154"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/categories?post=6154"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/24fo.news\/index.php\/wp-json\/wp\/v2\/tags?post=6154"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}