FI has decided to extend the risk-weight floors by two years, from 31 December 2025 to 30 December 2027 for Swedish mortgages, and from 30 September 2025 to 29 September 2027 for Swedish commercial real estate.
In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the third quarter. The buffer rate of 2 per cent, which was applied starting on 22 June 2023, shall thus continue to apply. The countercyclical buffer guide is calculated at 0 per cent.
FI publishes the capital requirements for Swedish banks and credit institutions in supervision categories 1 and 2 every quarter.
Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q2 2025.
The five largest Swedish banks show resilience and have the ability to withstand a sharp deterioration in market conditions, based on the stress test coordinated by the European Banking Authority (EBA).
Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q1 2025.
The European Commission has announced that it does not object to FI's intention to extend the current risk weight floors for Swedish mortgages and commercial real estate. This means that FI may implement the measures.
Finansinspektionen has published a memorandum clarifying its expectations on banks’ application of internal models to calculate capital requirements for credit risk. FI’s position is based on its experiences from previously performed model assessments and considering the greater flexibility that was introduced on 1 January of this year through amendments to the Capital Requirements Regulation (CRR3).
The uncertainty in geopolitical and economic developments is high, and the risk of negative shocks is higher now than it was last autumn. At the same time, Swedish banks have large capital buffers and good profitability, which builds resilience. Financial firms, households and firms all need to be prepared that the uncertainty could persist for a while. These are some of the conclusions from FI's first stability report of the year.
Swedbank AB (Swedbank or the bank) is a Swedish joint stock banking company authorised to conduct banking business in accordance with the Banking and Financing Business Act (2004:297). On 3 December 2021, Swedbank notified Finansinspektionen that the bank conducts security-sensitive activities.