A stable, well-functioning financial market for allA stable, well-functioning financial market for allRecent news
We list here recent news from the banking sector.
2025
FI notifies the EU regarding the extension of the existing risk-weight floor for Swedish mortgages and commercial real estate
FI has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to extend for a period of two years the existing risk weight floor for Swedish mortgages from 31 December 2025 as well as the existing risk-weight floor for commercial real estate from 30 September 2025. This is in accordance with Article 458 of the CRR.
The Bank Barometer: Net profit of Swedish banks continues to increase
Swedish banks’ net profit increased by SEK 4 billion in 2024 despite a decrease in net interest income. These are the main conclusions in Finansinspektionen’s report. The report also shows that lending to the public is increasing, as is the percentage of non-performing loans.
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.
Legal Position: Rule interpretation for deposits via digital platforms
An increasing number of banks and other credit institutions are offering savings via digital deposit platforms. This makes them more vulnerable since the deposits volume could decrease rapidly. FI notes in a report that some of the institutions do not sufficiently consider these risks, in part when calculating the liquidity buffer required for such deposits. A legal position specifies how we will interpret the rules.
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.
How FI reviews money laundering risks in the financial sector in 2025
There is a high risk that the financial system is used by criminals to launder money and commit other crimes. In 2025, the Financial Supervisory Authority (FI) will prioritize its review to sectors and services where the risks of money laundering are elevated.
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.
Direct contributions to reserves from shareholders as CET1 capital
European Banking Authority (EBA) has clarified which conditions direct contributions to reserves from shareholders should meet in order to form part of firms’ Common Equity Tier 1 capital (CET1 capital) according to the rules laid down in the Capital Requirements Regulation (CRR). According to the CRR a contribution may be classified as CET1 capital if the contribution satisfies certain conditions.
