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| Hans Lindblad, director general of the Swedish National Debt Office |
Forget gold plating. Armour plating might be a better way to describe Sweden’s rules on bank capital and liquidity.
Spooked about rising household debt, the Swedish regulator hiked the floor on banks’ mortgage risk weights from 15% to 25% in May. The result is that Sweden’s systemically important banks now have minimum regulatory capital requirements ranging from 14.5% to over 19%. By some calculations, that makes Swedbank – which has a 25% share of Sweden’s mortgage market – the most strongly capitalized bank in Europe.
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