Financial stability

Financial stability good at present – but risks need to be managed

Picture of the Financial Stability ReportThe Riksbank's assessment is that the Swedish financial system is working well at present. However, vulnerabilities in the financial system mean that shocks in Sweden and abroad may have a negative impact on financial stability. The indebtedness of the Swedish households is currently the greatest domestic risk. In order to increase the resilience of the banks and to reduce the risks associated with indebtedness, the Riksbank therefore recommends that the countercyclical buffer be activated as soon as possible and set at 2.5 per cent, that a liquidity buffer requirement in Swedish kronor be introduced and that sound minimum levels be introduced in the discretionary income calculations used in the banks' credit assessments.

 

One of the Riksbank's core functions is to promote a safe and efficient payment system. The payment system is important for all economic activities and is a central component of the financial system. For that reason the Riksbank regularly analyses the risks and threats to the stability of the Swedish financial system. The purpose of this analysis is to detect changes and vulnerabilities that could lead to a serious crisis. The major Swedish banks have particular significance in the analysis. The Riksbank's assessment of stability is published twice yearly in the Financial Stability Report.