A stable, well-functioning financial market for allA stable, well-functioning financial market for allResult
2025
The Swedish Mortgage Market: Households need to have margins for an uncertain future
The conditions for household finances improved in 2024. As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in previous years. But the economic development is uncertain. Households need to allow for continued high housing and living costs. These are some of the conclusions from this year’s report on the Swedish mortgage market.
Reciprocation of Norwegian systemic risk buffer
Finansinspektionen has reciprocated the Norwegian Ministry of Finance decision to maintain a 4,5 percent systemic risk buffer for exposures in Norway. The decision applies to Swedish institutions exposures in Norway.
FI leaves the countercyclical buffer rate unchanged
In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the first quarter. The buffer rate of 2 per cent, which was applied starting on 22 June 2023, shall thus continue to apply. The countercyclical buffer guide is calculated at 0 per cent.
FI is publishing banks’ effective capital headroom
Starting today, FI will now publish banks’ effective CET 1 capital headroom every quarter. This will show how much of the banks’ buffer is available to cover losses before a bank breaches a regulatory requirement or its Pillar 2 guidance. By publishing this information, FI will make it easier for market participants and other stakeholders to interpret the banks’ capital headroom.
Capital requirements for Swedish banks as of Q4 2024
Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q4 2024.
2024
FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
During the spring of 2023, one Swiss bank and several US banks failed. Multiple actors in both the US and internationally have analysed the underlying causes. We summarise the findings of these reports as follows: there was a lack of internal governance and control, there were deficiencies in the supervision, and several of the banks were not fully subject to the Basel regulations.
FI leaves the countercyclical buffer rate unchanged
In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the fourth quarter. The buffer rate of 2 per cent, which was applied starting on 22 June 2023, shall thus continue to apply. The countercyclical buffer guide is calculated at 0 per cent.
FI maintains level of systemic risk buffer for major banks
The three major banks – SEB, Handelsbanken and Swedbank – will continue to maintain a systemic risk buffer of 3 per cent at group level. This decision was made following FI’s biennial review of the systemic risk buffer in accordance with the European Capital Requirements Directive.
Capital requirements for Swedish banks as of Q3 2024
Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q3 2024.
Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
The outlook for financial stability has improved somewhat in the past six months. Sweden continues to experience a mild economic downturn, but interest rate cuts are contributing to improved optimism about the future. At the same time, the uncertain global economic and geopolitical situation is leading to heightened risks, in part in the form of cyber attacks. These are the conclusions of FI’s second stability report for the year.
