Recent news

We list here recent news from the banking sector.

2017

Proposal for a stricter amortisation requirement for households with high loan-to-income ratios

FI is proposing changes to Finansinspektionen’s regulations (FFFS 2016:16) regarding amortisation of loans collateralised by residential property. The regulations cover mortgages granted by credit institutions, i.e. banks and credit market companies.

FI proposes stricter amortisation requirement

Finansinspektionen (FI) is presenting today its proposal for a stricter amortisation requirement. Following a decision by FI’s Board of Directors, the proposal is now being submitted to the Government for approval.

Erik Thedéen: Incentives vs. risk

“The fundamental problem is the potential conflict that inherently arises from the interplay between economic incentives and excessive risk-taking”, said Erik Thedéen in a speech on Thursday at the School of Business, Economics and Law at the University of Gothenburg. Erik Thedéen analysed the causes underlying this problem and presented some of the measures introduced to mitigate it.

Decision regarding the countercyclical buffer rate

FI decided on 25 October not to change the countercyclical buffer rate. The buffer rate of two per cent, which has applied since 19 March 2017, shall thus continue to apply.

Information about forthcoming periodic reporting in accordance with Finansinspektionen’s regulations FFFS 2017:11

On 1 August, the new Money Laundering Act entered into force as well as FI’s new regulations. According to these new regulations, firms under FI’s supervision must report data that enables FI to assess the risk that firms will be used for money laundering and the financing of terrorism.

Commercial real estate and financial stability

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.

Comments on Nordea's decision to move its head office

2017-09-06 | News Bank

Nordea passed a decision today to move its head office to Helsinki. The bank represents a large part of the Swedish financial market, but it is too early to say how the decision will impact Finansinspektionen’s supervision.

Banking capital in times of stress

Erik Thedéen, FI's Director General, speech at the UBS conference: 20th Annual Nordic Financial Services Conference in Stockholm.

Capital requirements of Swedish banks as of the second quarter 2017

Finansinspektionen publishes the capital requirements of the ten largest Swedish banks and credit institutions as of the end of the second quarter 2017.

FI’s Pillar 2 capital assessment method for systemic risk associated with securitisation

Finansinspektionen considers it to be necessary to implement a back-stop within Pillar 2 to limit effects on the total credit supply from systemically critical securitisation. FI is publishing today a method that it intends to use during its capital requirements assessment.

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