A stable, well-functioning financial market for allA stable, well-functioning financial market for allResult
2025
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.
2024
FI intends to extend banks’ risk weights floors for mortgages and commercial real estate lending
Finansinpektionen currently assesses that risks to Swedish mortgages and commercial properties remain and these will not be fully addressed when the EU’s second banking package enters into force on 1 January 2025. Therefore, FI intends to start the process during next year to extend the risk weight floors for mortgages and commercial real estate lending to at least 2027.
2023
Banking package close to completion
On 6 December, the EU Member States approved a banking package that implements the last parts of the Basel III agreement in the EU. The European Parliament is also expected to approve the agreed rules in the near future.
2021
New guidelines regarding consumer credit assessments
Many consumer credit assessments need to improve to fulfil the requirements of the Consumer Credit Act. Finansinspektionen (FI) is therefore now clarifying what information lenders should gather for a credit assessment and how this information should be used. The new general guidelines will go into effect on 1 November 2021.
FI wants the EU to comply with Basel III
During the autumn, the European Commission will publish a proposal for updated capital adequacy rules for banks within the EU. Finansinspektionen (FI) now urges the EU Commission to stick to the Basel III agreement.
2020
FI proposes amended rules and a change in the application of banks’ capital requirements
FI is proposing regulatory amendments and a change in the application of capital requirements for Swedish banks in order to adapt to the EU’s so-called banking package.
Banks may now grant amortisation exemption
FI’s Board of Directors has decided that the proposal communicated on 2 April will go into effect as of today. This means that banks will now be able to grant both new and existing mortgagors exemption from the requirement on amortisation. The exemption gives mortgagors greater financial manoeuvrability in these uncertain times during the spread of COVID-19.
Banks may grant all mortgagors amortisation exemption
Banks will have the possibility of offering all new and existing mortgagors an exemption from the amortisation requirements due to the spread of the coronavirus and its effects on the Swedish economy. The exemption will be in force until the end of June 2021. This enables Finansinspektionen to provide all mortgagors with greater manoeuvrability in these uncertain times.
2019
FI’s liquidity coverage ratio requirements in individual currencies and diversification of covered bonds in the liquidity buffer
In this memorandum, Finansinspektionen (FI) develops its view on several specific areas of the EU regulatory framework for liquidity regulation.
2018
FI open to raising the countercyclical buffer rate in September
The next occasion on which FI will decide on the countercyclical buffer rate is in September. FI's Director General has decided that the preparatory work for the decision shall focus on enabling an increase in the rate to 2.5 per cent if such is deemed necessary. The countercyclical buffer is currently 2.0 per cent.
