The Riksbank believes that the Swedish financial system has functioned well recently, despite various crisis-like events abroad, such as this spring's banking problems in the United States and Switzerland.
At the same time, it points out that there are several vulnerabilities that now pose challenges in the financial system.
Among other things, they point to the Swedish real estate sector, where real estate companies are now being squeezed by both higher interest rates and reduced values of the properties themselves.
"Amortization requirements and mortgage caps should remain"
The Riksbank also points out that several real estate companies now have large borrowing needs, which constitutes a risk in itself. This is because banks need to provide companies with credit while at the same time setting requirements that will reduce the companies' financial risks.
The major Swedish banks should also, as the Riksbank puts it, "exercise restraint with large dividends and share buybacks".
Household indebtedness is also discussed in the press release. This means that indebtedness itself and short-term fixed-interest periods entail risks to the stability of the economy. It is also important to maintain the amortisation requirements and the mortgage cap.