Stability Report

The report assesses financial stability and describes the status of the financial markets. It also provides an account of lending and lending terms and conditions to corporates and households. Published twice a year.

2019

Stability in the Financial System (2019:1)

Both the global and the Swedish economies appear to be slowing down. Low interest rates – which have resulted in high risk-taking and rising asset prices – are expected to remain low for a prolonged period of time. Resilience in the Swedish financial system is satisfactory in general. However, even if the banks’ resilience is satisfactory overall, FI makes the assessment that they need more capital to cover the risks in their lending to commercial real estate firms.

2018

Stability in the Financial System (2018:2)

The economy continues to be strong, both in Sweden and globally, but it is now showing signs of a slow-down. Interest rates have been low for a long period of time, which has led to high risk-taking and rising asset prices. As a result, the risks in the financial system are elevated. The resilience in the Swedish financial system is satisfactory in general but continued high growth in debt fuelled by lending and investments related to residential property and commercial real estate require monitoring.

Stability in the Financial System

The Swedish economy continues to be strong, and resilience in the financial system is satisfactory. However, a long period of low interest rates and strong growth has resulted in an elevated risk appetite, high asset prices and high debt globally, among Swedish households and on the commercial real estate market. The high level of indebtedness makes the financial sector more sensitive to shocks, and, if necessary, FI will take additional measures to strengthen the resilience.

2017

Stability in the Financial System (2017:2)

2017-11-29 | Reports Consumer Markets

The Swedish economy continues to be strong and interest rates are extremely low, which contributes to high asset prices and low risk premiums. As global interest rates rise in the future, there is a risk for an abrupt increase in risk premiums and a fall in asset prices, which could be stressful for the financial system.

Stability in the Financial System

The Swedish economy is thriving, but a strong economy combined with low interestrates has resulted in high asset prices and rapidly rising household debt.

2016

Stability in the Financial System

The Swedish economy is strong, but the consequences for financial stability from the combination of rising resource utilisation and very low interest rates are difficult to assess. There is a risk that imbalances are building up, and even though they are difficult to identify and measure, they are very important to monitor.

Stability in the Financial System

FI makes the assessment that the resilience of the financial system in Sweden is satisfactory, but vulnerabilities remain. The Swedish banks have buffers, but they fund themselves in capital markets, which makes the banking system vulnerable to shocks to confidence. Liquidity in systemically important securities markets has not changed in recent years.

2015

Stability in the financial system 2015:2

Resilience in the Swedish financial system is satisfactory. However, the sharp rise in housing prices means that household debt is growing rapidly.

Stability in the financial system

Finansinspektionens assessment is that the resilience in the financial system is currently satisfactory.

2014

Stability in the financial system 2014

In FI's opinion, resilience in the fi nancial system is currently satisfactory. FI's increased capital requirements have helped improve the resilience of banks. At the same time, the banks' need for market funding makes the fi nancial system vulnerable to shocks.

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