A stable, well-functioning financial market for allA stable, well-functioning financial market for allBank interest rates and lending, Q3 2012
Swedish banks have already largely adapted to the forthcoming requirements regarding capital adequacy and access to liquidity. The stricter requirements involve a cost, but also help improve stability in the financial system. On the whole, the forthcoming requirements will generate positive effects for the national economy.
Although the banks have largely adapted to the forthcoming requirements, lending to Swedish households and non-financial corporations continued to grow in the third quarter, albeit at a lower rate.
In the third quarter, the banks' mortgage margins also continued to rise. The net margin, which in simplified terms can be described as the banks' profit on new mortgages, was 0.59 percentage points in the third quarter, which is an increase of 0.08 percentage points on the second quarter.
