The Riksbank's assessment is that the Swedish financial system is stable at present. However, the size and concentration of the Swedish banking sector, as well as the banks' extensive market funding, create vulnerabilities that may have a negative impact on financial stability. The high and rising level of indebtedness among Swedish households also poses risks to the stability of the financial system and to the real economy. The Riksbank therefore shares Finansinspektionen's assessment that increasing the risk-weight floor for Swedish mortgages from the current level of 15 per cent to 25 per cent is justified. The Riksbank also continues to recommend that the major banks ensure that they have adequate capital and liquidity, and that they improve their public capital and liquidity reporting.