We are facing clear challenges related to the housing market and household indebtedness. We must be observant with regard to the unique combination of very low interest rates and relatively strong financial growth.
Securitisation can give rise to risks that are not considered in current regulation. FI is therefore submitting for consultation today the method it intends to use to assess banks’ capital requirement within Pillar 2 for flowback risks during securitisation.
Finansinspektionen publishes the capital requirements of the ten largest Swedish banks and credit institutions as of the end of the third quarter 2016.
A leverage ratio requirement could contribute positively to financial stability during normal conditions in that it increases the robustness of banks’ capital adequacy.
Finansinspektionen has decided on regulations regarding amortisation requirements. They entered into force on 1 June 2016.