Result

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.

A framework for consumer protection (summary)

Finansinspektionen (FI) works to ensure that the financial system is stable and characterised by high confidence. It should also have well-functioning markets that meet the needs for financial services while at the same time ensuring a high level of protection for consumers. This requires stable financial firms, clear information for consumers and consideration for consumers' needs and circumstances when developing and selling products.

Important PMs and decisions

2017-02-09 | Memos & decisions

We publish here the important PMs and decisions that can be assumed to be of particular interest for the general public.

2016

Decision to grant Nordea authorisation to restructure its Nordic subsidiaries into branches

Nordea Bank AB has applied for authorisation to execute three merger plans.

Authorisation for Nordea to execute its merger plans

2016-05-17 | Memos & decisions Bank

Nordea Bank AB has applied for authorisation to execute three merger plans. The mergers refer to the absorption of three wholly-owned subsidiaries that conduct banking and securities business respectively in Denmark, Finland and Norway.

2015

Driving forces behind household indebtedness

In this report, Finansinspektionen, Sveriges Riksbank and the Swedish National Debt Office present a general description of the driving forces behind the rise in household indebtedness. A central conclusion in the report is that indebtedness is largely linked to developments on the housing market.

2014

Finansinspektionen’s view on the amortisation requirement

Household debt does not represent a risk to financial stability, but it does increase the macroeconomic risks. If designed to be flexible, an amortisation requirement could reduce these risks.

Amortisation by mortgage holders increased since the introduction of individual amortisation plans

New mortgage holders are more likely to amortise after the banks introduced individually tailored amortisation plans as of 1 July 2014. The ongoing debate in the media about amortisation and that the Swedish Bankers’ Association has tightened its recommendations regarding amortisation may also have contributed to the increase in amortisation payments.

Stability risks associated with household indebtedness

FI makes the assessment that the risks associated with household debt have not yet reached alarming levels. However, there are also macroeconomic risks associated with rising household indebtedness.

Measures to counteract household indebtedness – amortisation requirement

FI makes the assessment that an amortisation requirement that is applied in a flexible manner will strengthen in the long run household resilience to shocks. An amortisation requirement will keep house prices down and slow the rate at which debt is growing, and higher amortisation payments will help households reduce their debts and thus their interest expenses.

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