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.
As a whole FI makes the assessment that the resilience of the Swedish financial firms to various disruptions that may arise both domestically and internationally is satisfactory. Swedish banks in general have large capital buffers that can absorb shocks. This is good for financial stability in Sweden. It is important that both international and domestic regulation of banks' capital be focused on maintaining these buffers.
The amortisation requirement has had a dampening effect on the housing market in 2016, but the risks associated with housing market growth and high household indebtedness remain at elevated levels. Additional measures may therefore be necessary in the future.