Result

2020

Capital requirements of Swedish banks as of Q4 2019

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 2019.

Decision regarding the countercyclical buffer rate

Finansinspektionen (FI) decided on 29 January not to change the countercyclical buffer rate. The buffer rate of 2.5 per cent, which has applied since 19 September 2019, shall thus continue to apply. The countercyclical buffer guide is set at 0.18 per cent.

Increased capital requirements on bank loans for commercial real estate

Finansinspektionen (FI) considers there to be elevated risks in the banks’ lending for commercial real estate. The banks should hold more capital for these exposures, which is why FI is raising the capital requirements.

Increased transparency on carbon pricing can strengthen the financial system

FI will explore the possibility of advocating both nationally and internationally increased disclosure of firms’ internal carbon pricing.

2019

Clarification on the impact for Swedish banks from revised Basel standards

In relation to the report published by the European Banking Authority (EBA) in August Finansinspektionen would like to make the following clarification on the impact for Swedish banks of the revised Basel standards. According to Finansinspektionen’s calculation, the increase in tier 1 minimum required capital would be about 30 per cent instead of 53 per cent as shown in the report from the EBA (keeping the assumptions and methodology set by EBA, but taking into account the current Swedish mortgage floor for the current risk-weighted assets).

FI Analysis 20: Fewer home equity withdrawals after amortisation requirements

This FI Analysis shows that households’ tendency to use mortgages for purchases other than buying a home decreased following the amortisation requirements.

FI Analysis 19: Young adults and the housing market

This FI Analysis shows that the the increase in house prices is the primary reason it has become more difficult for young adults to buy a home.

Stability in the Financial System (2019:2)

The low interest rates are expected to remain low for a longer period of time. It could lead to greater risk-taking among various actors, and increased challenges for insurance undertakings.

Capital requirements of Swedish banks as of Q3 2019

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 2019.

Decision regarding the countercyclical buffer rate

Finansinspektionen (FI) decided on 24 October not to change the countercyclical buffer rate. The buffer rate of 2.5 per cent, which has applied since 19 September 2019, shall thus continue to apply. The countercyclical buffer guide is set at 0.16 per cent.

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