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• The value of capital buffers

  • Published
  • Speeches and debate

  Published 2017-02-16 - requirements for banks to have the right balance between minimum requirements and buffer requirements. … Generous capital buffers enable banks to absorb losses without needing to reduce lending or in any other way worsen an economic downturn.

• New Reforms Could Make Banks More Vulnerable (Bloomberg View)
• Erik Thedéen: Diversity on the mortgage market is healthy

  • Bank
  • Consumer
  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2019-04-08 - There are several categories of banks: major banks, medium-sized banks, branches of foreign banks, independent savings banks and smaller, more niched banks … However, the major Swedish banks have been gradually losing market share to smaller banks and foreign bank branches when it comes to mortgages.

• Presentation: Evolution of Mortgage Finance – FI’s view on new mortgage structures

  14% 14% Other < 5% SBAB Länsförsäkringar Swedbank SHB SEB Nordea Presentatör Presentationsanteckningar Recent market development New actors (non-banks
• Erik Thedéen: Incentives vs. risk

  • Bank
  • Stability
  • Published
  • Speeches and debate

  Published 2017-11-09 - strengthen the incentives of the banks' creditors to be more vigilant about the risks the banks are taking. … "This in turn means that future bank failures will have less of an impact on taxpayers", concluded Erik Thedéen.
• Martin Noréus: Amortisation requrement and risk weights - two current issues for macroprudential policy

  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2015-09-10 - The risk weights on the banks' corporate exposures in particular have declined more than is justified by the actual risk level. … We will require the banks to amend their models.

• Speech: Amortisation requirement and risk weights - two current issues for macroprudential policy

  And because problems in one bank can spread to others, banks must also maintain capital to reduce such systemic risks.

  Presentation slides: Amortisation requirement and risk weights - two current issues for macroprudential policy

  Weighted averages for the four large banks.
• Banking capital in times of stress

  • Bank
  • Capital requirements
  • Published
  • Speeches and debate

  Published 2017-09-06 - themselves (through the design of the buffers) without causing other creditors to abandon the bank or force authorities to view the bank as failing. … However, even if both authorities and banks wish to avoid bank failures, the authorities and the banks are facing different incentives.

• Presentation: Banking capital in times of stress

  Financial Services Conference 2017-09-06 Capital requirements 0 5 10 15 20 25 30 0 5 10 15 20 25 30 Unweighted average, major Swedish banks
• Martin Noréus: Capital and AML - current topics in bank supervision

  • Bank
  • Money laundering
  • Published
  • Speeches and debate

  Published 2019-09-05 - Martin Noréus: Capital and AML - current topics in bank supervision
• Erik Thedéen: Will the banks withstand the next crisis – what role will capital requirements play?

  • Bank
  • Stability
  • Published
  • Speeches and debate

  Published 2018-10-09 - Erik Thedéen: Will the banks withstand the next crisis – what role will capital requirements play?

• Speech: Will the banks withstand the next crisis – what role will capital requirements play?

  compared to a Swedish bank.

  Presentation: Will the banks withstand the next crisis – what role will capital requirements play? (in Swedish)

  Klarar bankerna nästa kris? Vilken roll spelar kapitalkrav?
• Erik Thedéen: Higher countercyclical capital buffer?

  • Bank
  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2018-09-06 - Because market funding is not supplied by banks, the argument is sometimes raised that it should not influence how much capital banks should hold. … Banks can also substitute market funding for bank loans to maintain their customer relationships.

• Presentation: Higher countercyclical buffer? – UBS Annual Nordic Financial Services Conference

  in relation to disposable income (right axis) Measures to build resilience Source: FI 0 5 10 15 20 25 EU minimum Average for major Swedish banks
• Erik Thedéen: On the Agenda: The Swedish FSA’s mandate and current challenges

  • Bank
  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2018-09-13 - Since banks face no incentive to force a foreclosure when house prices are falling, banks can allow such grace periods for households unable to fully service … The capital buffers that banks build up during an upturn provide a cushion that can absorb credit losses.

• Presentation: On the Agenda: The Swedish FSA’s mandate and current challenges

  Capital requirements LTV cap Amortization: LTV-based Amortization: LTI-based Mortgages Real Estate Prices Mortgages, the Swedish way Investor Bank
• Henrik Braconier's speech at SNS/SHOF Finance Panel: Corporate Finance in a Low Interest Rate Environment

  • Bank
  • Markets
  • Stability
  • Published
  • Speeches and debate

  Published 2020-10-20 - Or, to be more specific, the relative importance of bank loans and market-based financing through bonds. … In this case, the market-based engine didn't compensate when bank lending fell.
• Erik Thedéen: Current assessment of financial stability

  • Bank
  • Insurance
  • Markets
  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2022-08-22 - Bond financing has become more expensive, but the banks still have the capacity to fund their customers. … the banks in recent years," said Thedéen.
• Martin Andersson: Finansinspektionen and macroprudential policy

  • Stability
  • Published
  • Speeches and debate

  Published 2015-03-18 - FI:s Director general Martin Andersson held the speech Finansinspektionen and macroprudential policy at Affärsvärldens Bank och Finans Outlook on 18 march

• Martin Andersson: Finansinspektionen and macroprudential policy

  Since then we have gradually raised the capital requirements for the banks.
• Malin Alpen: Finanssektorn behöver fortsätta stärka sin motståndskraft

  • Bank
  • Insurance
  • Markets
  • Capital requirements
  • Published
  • Speeches and debate
  • Payments
  • DORA

  Published 2025-09-04 - Banker och andra finansiella företag behöver fortsätta stärka sin motståndskraft.
• Commercial real estate and financial stability

  • Bank
  • Stability
  • Published
  • Speeches and debate

  Published 2017-10-10 - FI:s director general Erik Thedéens speech about commercial real estate and financial stability held at the conference DI Bank in Stockholm 10 maj 2017

• Speech: Commercial real estate and financial stability

  banks is significantly larger.

  Presentation: Commercial real estate and financial stability

  Counteract financial imbalances - amortisation requirement Commercial real estate and financial stability Financial stability risks Cyclical Banks
• Martin Noréus: Current challenges facing the banking sector

  • Bank
  • Basel
  • Published
  • Speeches and debate

  Published 2018-02-14 - banking sector is profitable and has satisfactory resilience, but it is clearly undergoing a major transformation,” said Martin Noréus in a speech at SvD Bank
• Erik Thedéen: Swedish perspectives on the Banking Union

  • Bank
  • Stability
  • Published
  • Speeches and debate

  Published 2019-03-08 - That said, participation in the Banking Union would affect the supervision of Swedish banks. … We also have the advantage of understanding our banks and their business models very well.
• Commercial real estate debt, non-banks, and the stability of the financial system

  • Bank
  • Stability
  • Published
  • Speeches and debate

  Published 2022-09-01 - Commercial real estate debt, non-banks, and the stability of the financial system

• Speech: Commercial real estate debt, non-banks, and the stability of the financial system

  risk to those banks.

  Slides: Commercial real estate debt, non-banks, and the stability of the financial system

  Note: Share of banks’ loans to CRE firms with elevated credit risk.
• Thedéen: The role of macroprudential policy in Sweden

  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2017-10-03 - "The first group aims primarily to make the financial system – and primarily the major banks – more resilient to shocks. … Examples include requiring the major banks to hold capital and liquidity buffers that are significant in size and that can be drawn upon in the event of
• Erik Thedéen: FinTech and cyber threats – what impact do they have on financial stability?

  • Bank
  • Insurance
  • Markets
  • Consumer
  • Stability
  • Published
  • Speeches and debate
  • Fintech

  Published 2020-03-03 - The debt of commercial real estate companies has been increasing sharply, and the banks have large exposures to the sector. … FI decided today to raise the capital requirements for bank loans for commercial real estate.
• Erik Thedéen: How we need to work to fight money laundering

  • Bank
  • Money laundering
  • Published
  • Speeches and debate

  Published 2019-11-19 - money laundering here and now, within the current system and regulatory framework,” asserted Erik Thedéen at the Swedish Bankers’ Association’s annual Bank
• Finansinspektionen's role in a framework for financial stability

  • Stability
  • Published
  • Speeches and debate

  Published 2013-04-05 - This statement was part of Martin Andersson's speech at the Bank & Finans Outlook conference on March 20.

• Speech: Finansinspektionens role in a framework for financial stability

  and/or bank customers.
• Erik Thedéen: Rules prevent crises

  • Bank
  • Markets
  • Consumer
  • Stability
  • Published
  • Speeches and debate
  • Mortgage
  • Fintech

  Published 2018-02-08 - Despite our capital requirements, the major Swedish banks are reporting high return on equity, well above the European average. … That is why we are taking measures to raise resilience among both the banks and their customers.
• Erik Thedéen: Climate and sustainability in focus at FI

  • Bank
  • Insurance
  • Markets
  • Money laundering
  • Stability
  • Published
  • About FI
  • Speeches and debate
  • Sustainability

  Published 2019-09-10 - "Forceful efforts to combat money laundering are of great importance for the public's faith in banks and government authorities," he concluded.

• The full version of the speech: Climate and sustainability in focus at FI

  , Lithuania— all the way back to 2007.
• Erik Thedéen: Household Debt and the Role of Macroprudential Policy

  • Bank
  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2018-11-28 - Initially, the focus was on capital and liquidity requirements for the banks, but borrower-based measures are more frequently used today in many countries

• Presentation: Macroprudential policy in Sweden: what has been done and is it enough?
• The financial sector's role for sustainabilty

  • Published
  • About FI
  • Speeches and debate

  Published 2017-08-31 - If an analysis of the lending from a bank shows considerable risk exposures related to e.g. climate change, this should naturally have implications on … However, if you instead choose to raise the requirement on the capital banks lend to industries producing candy, the effect, if any, is likely to be very
• Measures against risks from household indebtedness

  • Bank
  • Consumer
  • Stability
  • Published
  • Speeches and debate
  • Mortgage

  Published 2015-11-19 - One measure that appears appropriate is to introduce a debt ceiling, that is, a limit as to how much a bank may lend in relation to the borrower's income

• The full speech: Measures to deal with the risks linked to household indebtedness

  In both the United Kingdom and Ireland the regulations have been aimed at the banks’ total new lending and they have also been flexible; the banks have
• Malin Alpen: Gemensamma krafter krävs för att stoppa den kriminella ekonomin

  • Money laundering
  • Published
  • News
  • Speeches and debate
  • Payments

  Published 2025-03-12 - Det är viktigt att åtgärderna nu vidtas och FI följer hur bankerna genomför detta. … Vi ser också behov av skärpta regelkrav på bankerna för att förhindra sådana bedrägerier.
• Almenberg: Redo med regler och tillsyn

  • Stability
  • Published
  • News
  • Speeches and debate
  • Fintech
  • Cryptoassets

  Published 2025-12-09 - Stablecoins används i dag främst till att betala inom kryptovärlden, men marknaden växer snabbt och även svenska banker har b&

• Länk till riksdagens webbsändning

  Mica-förordningen
• Erik Thedéen: How can consumer welfare be improved in financial markets?

  • Bank
  • Insurance
  • Markets
  • Consumer
  • Published
  • Speeches and debate

  Published 2020-08-24 - We are also conducting a wider investigation into how smaller banks and credit market companies are conducting creditworthiness assessments and whether
• Measures to improve effectiveness of anti-money laundering supervision

  • Bank
  • Insurance
  • Markets
  • Money laundering
  • Published
  • Speeches and debate

  Published 2020-03-16 - Another example is the current dialogue between Finansinspektionen and the three Baltic authorities regarding the investigations into Swedish banks' governance … In addition, the regulations in the area are newer, and neither the banks nor authorities are as experienced in these provisions as they are, for example