Financial stability

A stable financial system is essential for the economy to function properly. Households and businesses must, for example, be able to make payments and to borrow and invest money. These services are counted among the core functions of the financial system.

The Debt Office works with the Ministry of Finance, Finansinspektionen (the Financial Supervisory Authority) and the Riksbank to ensure that the financial system is stable. This is an important responsibility since a serious disturbance to the system may cause major costs for the economy in the form of weak growth and increased unemployment.

The main role of the Debt Office within financial stability is to handle banks in crisis and to be responsible for the deposit insurance scheme. 

Managing banking crises (resolution)

A failing bank represents a risk to the financial system. The linkages of banks to households and businesses and to other banks mean that a disorderly failure could have serious consequences. Resolution is intended to deal with this risk.

More about resolution

Precautionary support

In the event of a threat of a serious disturbance to the financial system in Sweden, the government can, in certain cases, give precautionary support to banks and other credit institutions provided that they are viable.

More about precautionary support

Deposit insurance

The deposit insurance scheme is consumer protection for savings. The scheme counters the risk of a serious disturbance to the financial system by providing security for savers and reducing the risk of bank runs in times of financial unrest.

More about the deposit insurance scheme

Financial Stability Council

The Financial Stability Council is a forum for meetings between representatives of the Ministry of Finance, Finansinspektionen, the Riksbank and the Debt Office. The Council discusses matters concerning financial stability and how to counter financial imbalances.

More about the Financial Stability Council