Resilience in the Swedish financial system is satisfactory. However, the sharp rise in housing prices means that household debt is growing rapidly.
This development entails an increase in the risks to economic stability. It is therefore necessary to be prepared to take further measures. These are some of the conclusions in FI's Stability Report 2015:2.
FI assesses that the Swedish financial system as a whole is functioning efficiently and currently has satisfactory resilience, but that there are also vulnerabilities. Swedish banks are well-capitalised, but FI sees a need to tighten up the banks' use of internal models. At the same time, FI sees advantages with risk-sensitive capital requirements.