FINANCIAL MARKET STATISTICS Produced by Statistics Sweden on behalf of Swedish central bank, Riksbanken.

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1 FINANCIAL MARKET STATISTICS Produced by Statistics Sweden on behalf of Swedish central bank, Riksbanken. Balance of Payments and Financial Market Statistics Unit, Statistics Sweden August Day of publication Picture of Kirstie Ekelund

2 Contents 1. Introduction and disposition 7. Balance sheet items 7.16 Lending to and deposits from non-monetary financial institutions (non-mfi) 7.1 Lending to households and non-financial corporations, breakdown by purpose Monetary financial institutions (MFI) 2. Sector definition Monetary financial institutions (MFI) Banks Banks 7.17 Securities 3. Statistics in short Housing credit institutions Monetary financial institutions (MFI) Finance companies Banks 4. Growth rates Other monetary financial institutions (Other MFI) Housing credit institutions 4.1 Growth rates and growth indices 7.2 Leding to the public sector 7.18 Derivatives Growth rates for lending and money supply Monetary financial institutions (MFI) Monetary financial institutions (MFI) Growth indices for lending and money supply 7.3 Lending to households and non-financial corporations, breakdown by collateral Banks 4.2 Purchased and sold loans Monetary financial institutions (MFI) Banks 8. Interest rates 5. Money supply Housing credit institutions 8.1 Lending rates to households for housing loans, breakdown by maturity 5.1 Money supply and the monetary base Finance companies Monetary financial institutions (MFI), new agreements Money supply, M1, M2 and M Other monetary financial institutions (Other MFI) Monetary financial institutions (MFI), outstanding agreements Former definition of money supply, Lending to households and non-financial corporations, 8.2 Lending rates to households, breakdown by purpose M3 7.4 breakdown by maturity Monetary base Monetary financial institutions (MFI) Monetary financial institutions (MFI), banks and housing credit institutions, new agreements Banks Monetary financial institutions (MFI), banks och housing credit institutions, outstanding agreements 6. Balance sheets Housing credit institutions 8.3 Lending rates to non-financial corporations and households 6.1 Balance sheets, period ending stocks 7.5 Lending to households for housing loans, breakdown by maturity Monetary financial institutions (MFI), new agreements Monetary financial institutions (MFI) Monetary financial institutions (MFI) Banks, new agreements Banks Banks Housing credit institutions, new agreements Housing credit institutions Housing credit institutions Monetary financial institutions (MFI), outstanding agreements Finance companies 7.6 Lending to non-monetary financial institutions (non-mfi), breakdown Banks, outstanding agreements by type of credit Other monetary financial institutions (Other MFI) Monetary financial institutions (MFI) Housing credit institutions, outstanding agreements MFI:s' branches outside Sweden, foreign MFI:s' branches Banks Lending rates, breakdown by remaining maturity in Sweden and savings banks Monetary financial institutions (MFI:s') balance sheet, time series Housing credit institutions Monetary financial institutions (MFI) MFI:s' assets Finance companies Banks MFI:s' equity and liabilities Other monetary financial institutions (Other MFI) Housing credit institutions 6.3 Banks' balance sheet, time series 7.7 Lending in form of convenience credit card and extended credit card credit 8.5 Deposit rates, breakdown by maturity Banks' assets Monetary financial institutions (MFI) Banks, new agreements Banks' equity and liabilities Banks Banks, outstanding agreements 6.4 Housing credit institutions' balance sheet, time series Finance companies Housing credit institutions' assets 7.8 Convenience credit cards and extended credit cards issued by monetary financial institutions (MFI) 9. Claims and liabilities outside Sweden Housing credit institutions' equity and liabilities 7.9 Housing credit institutions' lending, breakdown by collateral and maturity 9.1 Claims and liabilities, breakdown by vis-à-vis country, period ending stocks Finance companies' balance sheet, time series 7.10 MFI:s' lending to non-financial corporations, breakdown by size of loan (SEK Swedish based monetary financial institutions' (MFI:s') claims and liabilities 6.5 millions) Finance companies' assets 7.11 MFI:s' non-performing loans to Swedish non-mfi (SEK millions) Swedish owned monetary financial institutions' (MFI:s') consolidated claims Finance companies' equity and liabilities 7.12 Leasing, breakdown by type of leasing object 9.2 Claims and liabilities, breakdown by vis-à-vis country, time series 6.6 Other monetary financial institutions (Other MFI:s') balance sheet, time series Monetary financial institutions (MFI) Swedish based monetary financial institutions' (MFI:s') claims Other MFI:s' assets Banks Swedish based monetary financial institutions' (MFI:s') liabilities Other MFI:s' equity and liabilites Finance companies 9.3 Claims, breakdown by vis-à-vis country, immediate borrower and ultimate risk 6.7 Monetary financial institutions (MFI:s') branches outside Sweden, balance sheet, time series 7.13 Leasing, breakdown by counterpart Swedish owned monetary financial institutions' (MFI:s') consolidated claims, immediate borrower basis MFI:s' branches outside Sweden, assets Monetary financial institutions (MFI) Swedish owned monetary financial institutions' (MFI:s') consolidated claims, ultimate risk basis MFI:s' branches outside Sweden, equity and liabilities Banks 6.8 Foreign monetary financial institutions' (Foreign MFI:s') branches in Sweden, balance sheet, time series Finance companies 10. Notes Foreign MFI:s' branches in Sweden, assets 7.14 Households' deposits Foreign MFI:s' branches in Sweden, equity and liabilities Monetary financial institutions (MFI) 11. Glossary 6.9 Savings banks' balance sheet, time series Banks Savings banks' assets 7.15 Individual pension savings 12. Contact us Savings banks' equity and liabilities Page 1 (1)

3 1. Introduction and disposition This section provides an introduction to the publication and describes how it is disposed. For a more detailed description, we refer to the introduction of each part of the publication. Introduction The Riksbank has for a long time compiled statistics with respect to Swedish Monetary Financial Institutions (MFI) and the financial markets - the Financial Market Statistics. The required information has mainly been collected on a monthly basis. Certain information has, nevertheless, been reported quarterly or annually. The statistics are published in a short time after the reference month, which means that figures can be revised in later periods. Since 1st of April 2003, Statistics Sweden has assembled the Financial Market Statistics on behalf of the Riksbank. This means that statistics regarding the circumstances as per 31st of March 2003 and later are produced by Statistics Sweden. This applies generally with the exception of some parts of the interest rates statistics (part 8) have been produced by the Riksbank up to and including the first quarter of The information is assembled by Statistics Sweden and released monthly in this publication. Each new release of Financial Market Statistics is accompanied by a press release. The publication was published in this form for the first time in February 2006, referring to circumstances as per 31st of January The statistics in the publication gives a picture of MFI:s' balance sheets in terms of assets and liabilities, lending and deposits, as well as interest rates. The publication also presents the development of the money supply and MFI:s' lending, and reviews claims and liabilities outside Sweden. Outline The publication is composed of the following parts. Part 2: Sector definition Describes the reference and counterpart sectors in the publication. Part 3: Statistics in short Presents particularly requested data in the publication. Part 4: Growth rates Reviews the annual growth rates and growth indices for lending and money supply. A joint growth rate and corresponding growth index combining MFI:s lending to non-financial corporations and holding of debt securities issued by non-financial corporations are also presented. Furthermore, the net stocks of purchased and sold loans are presented. Part 5: Money supply Presents the different measures of money supply (M1, M2 and M3) and the monetary base. Part 6: Balance sheets Presents MFI:s' balance sheets (assets and liabilities) in terms of period ending stocks and time series. Part 7: Balance sheet items Specifies certain balance sheet items, mainly MFI:s' lending and deposits. Leasing, securities and individual pension savings are also reported in this part. Part 8: Interest rates Presents MFI:s' lending and deposit rates for new and outstanding agreements. Part 9: Claims and liabilities outside Sweden. Specifies Swedish based MFI:s' claims and liabilities outside Sweden, and Swedish owned MFI:s' consolidated claims. Part 10: Notes Presents notes to the different parts of the publication. Part 11: Glossary Explains common concepts used in the publication. Part 12: Contacts Presents contact information in case of any queries. Time series Time series are found in the tables included in the different parts of the publication. Complete time series are not included as standard. In order to access complete time series, one must open the first row in the table. In order to view any single expanded time series, clickon the button displaying a + - sign, which is located to the left of the table. In order to hide the expanded time series, clickonthe button displaying the - sign which is located to the left of the table when the time series has been expanded. In order to view all expanded time series within a tab, click on the button with number "2" in the upper left-hand edge. In order to hide all expanded time series, click on the button with number "1" in the upper left-hand edge. Explanation of Symbols - Nothing to present.. Data not available or too uncertain to be stated. Category not applicable

4 2. Sector definition All series in the publication, except for the money supply whichisreportedinpart5andtheseriesforswedish based MFI:s' in part 9, are calculated including MFI:s' foreign branches and excluding transactions with foreign branches. This is in contrast to the data published by the European Central Bank, ECB, which is calculated excluding foreign branches but including transactions with foreign branches. Reference sectors The reference sector refers to the sector whose positions, particularly as lenders, receivers of deposits and issuers of securities, that the statistics aim to describe. The publication generally presents the reference sector Monetary Financial Institutions (MFI), which is further divided into banks, housing credit institutions, finance companies and other MFI:s. The general structure of the reference sectors in the publication is as follows. Monetary financial institutions (MFI)[122] Banks [ ] Banking companies [subset of sector 1221] Banking companies' branches outside Sweden Savings banks [subset of sector 1221] Banking branches in Sweden of foreign banks [1222] Housing credit institutions [1223] Finance companies [subset of sector 1224] Other monetary financial institutions (Other MFI) Local government and business credit institutions [subset of sector 1224] Money market funds (MMF) [123] Monetary security and derivative dealers [1225] Other deposit-taking monetary financial institutions [1229] MFI:s' branches outside Sweden Foreign MFI:s' branches in Sweden The sector's code according to the Standard Classification by Institutional Sector 2014 (MIS 2014:1), is given in brackets. The Riksbank (121) which is also classified as an MFI is not included in the MFI reference sector. The association banks (in Swedish "föreningsbankerna") are included in the group banking companies. The local association banks were economic associations which in merged into one bank 1991 and became a limited banking company Counterpart sector The counterpart sector refers primarily to borrowers and deposit granters. Those counterparts that are marked in bold are the usual counterparts. The sub-levels of the counterparts are presented primarily for the purpose of showing the underlying sectors. The sub-levels of the sectors marked in bold are solely presented in exceptional cases and in specific tables (applies in reality only to households and the public sector). For certain tables and instruments, there exist only less detailed breakdowns or no breakdown of counterparts at all. Except the sectors presented here, "the general public" (non-mfi) occurs as a counterpart sector in the publication, see the next section. The two sectors non-mfi and MFI add up to the total of all sectors, that is the total economy. Swedish non-mfi General government [13] National Debt Office (Riksgälden) [131120] Local government (excluding social security funds) [1313] Social security funds [1314] Central government authorities, except National Debt Office (Riksgälden) [131110] Other institutions belonging to central government [131130] Financial corporations, non -MFI Non-MMF investment funds [124] Non-monetary security and derivative dealers [1252] Insurance corporations and Pension funds [128, 129] Others: Financial auxiliaries [1261] Non-profit institutions serving financial corporations [1262] Financial vehicle corporations (FVC) [1251] Financial corporations engaged in lending [1253] Investment companies [1254] Other Financial intermediaries [1259] Non-financial corporations [11] Households [14] Entrepreneurial households [141, 142] Other households [143] Non-profit institutions serving households [15] Swedish MFI Central bank [121] Banks [1221] Banking branches in Sweden of foreign banks [1222] Housing credit institutions [1223] Other monetary credit market corporations [1224] Other monetary financial institutions (Other MFI) Local government- and business credit institutions [subsector of 1224] Money market funds (MMF) [123] Monetary security and derivative dealers [1225] Other deposit-taking monetary financial institutions [1229] Foreign MFI Foreign MFI (EU-countries) Foreign MFI (Rest of the world excluding Sweden and EU) Branches of Swedish MFI:s are included in foreign MFI. MFI in EU-countries corresponds to ECB's definition and list over MFI in EU-countries. Foreign MFI, rest of the world, refers to banks and other financial corporations with lending to the general public and deposits, or close substitutes to deposits, from the general public as a significant part of its business. Page 1 (2)

5 The general public non-mfi The notion of the general public has been changed to non-mfi as much as possible in the new publication (as of tember 2010). The definition of non-mfi lies under the tree structure. The difference between the two concepts is that non-mfi consists of the National Debt Office, social insurance funds, non-monetary securities companies, insurance companies and pension institutes which are not included in the general public. Today, the notion of the general public only appears in part 5, Money supply. In this part the definition of the general public has a slight difference compared to the description above (see part 5. Money supply). The MFI population and the basis for this publication All Monetary Financial Institutions (MFI) are bound to report financial market statistics according to The Riksbank's regulations and general guidelines (RBFS 2014:2) on the reporting by institutions of Financial Market statistics. At the end of ember 2014, there were 167 institutions which were classified as MFI. Today, banks, housing credit institutions, finance companies, local government- and company-financed institutions as well as monetary securities companies are classified as MFI. Monetary investment funds, sometimes called money market funds, are also classified as MFI although they are not currently subject to the same reporting requirements. Figures from these institutions are collected via their reporting to the Financial Supervisory Authority on a quarterly basis. The figures are updated one month after the reference month. For example the values for tember are updated in the publication as of October. For months where no reporting occur the values of the most recent reporting period are used. This affect the balance sheet tables in section 6, and also the money supply measure M3 in section Most of the information in the publication is obtained from an accounting-based form called the MFI form. The reporting parties are divided into three groups depending on the size of their balance sheet totals. Those included in the group which accounts for 95% of the MFI balance sheet total report monthly while the other parties report quarterly, or annually if they belong to the group which accounts for 0.5% of the balance sheet total. Over the years, the content of the MFI form has changed. The newer forms contain, above all, a greater number of breakdowns than the older forms. Today's MFI form came into use in ember The greatest content changes nevertheless occurred at the turn of the year 2001/2002 when a common form for all MFI:s was introduced. Prior to this, different types of institutions used different forms for reporting purposes. The change to a common form may have led to cases in which certain time series in the publication include definitions which differ over time. Differences in the definition of the MFI population over time have also occurred. Finance companies have been reporting the MFI form since ember 2001 and monetary securities companies since March Finance companies are though included in the MFI population even before that. Before 1980 the population differs somewhat compared to the present definition. Monetary securities companies are included in the group other MFI from 1996 and onwards. Page 2 (2)

6 3. Statistics in short Money supply Period ending stock Annual growth rate M SEK millions (SEK m) 11,0 Percent (%) M SEK m 8,5 % M SEK m 8,6 % Monetary financial institutions' (MFI:s') lending to households, total SEK m 7,5 % to households, for housing loans SEK m 8,3 % to non-financial corporations, total SEK m 6,8 % Monetary financial institutions' (MFI:s') deposits from households, total SEK m Monetary financial institutions' (MFI:s') average lending rate Average rate to households, all accounts (new agreements) 2,79 Percent (%) to households, for housing loans, total (new agreements) 1,59 % to households, for housing loans, maturity 3 months (new agreements) 1,58 % to non-financial corporations, total (new agreements) 1,27 % Banks' average deposits rates Inlåningsränta from households, all accounts (new agreements) 0,07 Percent (%)

7 4. Growth rates How growth rates are calculated In statistics, time series breaks can ocassionally arise. The breaks may complicate comparisons of data over time. To make data more comparable over time, annual growth rates adjusted for time series break are presented for the monetary supply series and the series in sections The growth rate is obtained by adjusting for reclassifications and in some cases also for revaluations. In that way, a messure of the transactions that occured during the period can be obtained. Reclassifications can for example be changes in definitions, a new classification of the financial instument, or when a monetary financial institut is added or removed from the population. A reclassification is hence used in order to compensate for the break in the time series.with the aim to get correct data backwards, historical balance values may be adjusted if necessary, moving the time series break back in time, but not elimnating it.the balance value adjusted for the reclassification is not presented here. The value reflects how the situation was at a certain point of time and an adjustment of the value would imply an estimation of how the series would have been if the situation would have been different. Lending is also adjusted for loans that are moved to or from Swedish MFI:s, for example if loans are securitized or sold abroad.this compensates for time series breaks that are not related to changes in the indebtedness of the borrowers. The growth rate in which debt securities issued by non financial corporations are included, is also compensated for revaluations.the reason being that the market value of the debt securities are assumed to be affected by market fluctuations. The market values of the lending series and the monetary supply series are not assumed to be that much affected by revaluations. Time series for MFI:s' balance sheets have been drawn back to 1975 through previously published material from Statistics Sweden and the Riksbank. Figures and growth rates prior to 1995 should be interpreted with caution. Chart 1: Annual growth rate, MFI:s' lending to households and non-financial corporations, and MFI:s' lending to and holding of debt securities issued by non-financial corporations Households: lending Non financial corporations: lending Non financial corporations: lending and debt securities issued Calculation of growth indices The method used to calculate growth rate is based on the method used by the ECB. First a chain-index is calculated: 1 CB OB Reclassifications Loan transfers Revaluations OB Reclassifications Loan transfers Where OB is the opening balance, CB the closing balance and the index I is 100 for the base period. From this, the annual growth rate is calculated as the year's percentage change in the index. The use of the chain-index makes the reclassifications related to the balance of the month in which they occur. The majority of the reclassifications and credit transfers are assumed to occur at the beginning of the period, wherefore the denominator in the equation is adjusted with reclassifications and loan transfers to compensate for the shift in level that would otherwise arise. Revaluations on the other hand are assumed to be uniformly distributed during the month and are therefore not adjusted for in the denominator. Page 1 (1)

8 4.1 Growth rates and growth indices Growth rates for lending and money supply Table 1: Growth rate, MFI:s' lending to households and non-financial corporations Annual growth rates, adjusted for reclassifications and purchased and sold loans (percent) Growth rate, MFI:s' lending to and holding of debt securities issued by non-financial corporations Table 2: Growth rate, money supply, M1, M2 and M3 Annual growth rates, adjusted for reclassifications, revaluations and purchased and sold loans (percent) Annual growth rates, adjusted for reclassifications (percent) Households Households Non-financial Non-financial Changes in stock, Growth rate, corporations corporations percent percent Lending and holding of M1 Growth Consumption Housing Other Lending debt securities rate M2 Growth rate M3 Growth rate Jan 7,4 7,5 3,6 8,4 3,6 4,7 4,2 Jan 14,8 9,6 9,9 Feb 7,4 7,5 3,4 8,4 3,8 4,2 3,8 Feb 13,5 8,8 8,8 Mar 7,4 7,5 2,8 8,5 3,7 4,2 3,7 Mar 12,3 8,5 8,7 Apr 7,5 7,7 3,3 8,5 4,1 4,9 4,5 Apr 12,5 9,1 8,8 Maj 7,7 7,8 2,9 8,7 4,3 5,6 5,2 Maj 10,3 7,5 7,3 Jun 7,6 7,7 3,2 8,6 4,1 7,1 6,5 Jun 9,2 6,7 6,8 Jul 7,5 7,6 4,0 8,4 4,1 6,8 6,3 Jul 11,0 8,6 8,3 Aug 7,4 7,5 3,9 8,3 4,3 6,8 6,4 Aug 11,0 8,5 8,6 For period ending stocks, see section 7.1 For period ending stocks, see section 5.1 b) Before ember 2002 the growth rates are calculated as the change in stock Growth indices for lending and money supply Table 1: Growth index, MFI:s' lending to households and non-financial corporations Base period January 2005, adjusted for reclassifications and purchased and sold loans Growth index, MFI:s' lending to and holding of debt securities issued by non-financial corporations Base period January 2005, adjusted for reclassifications, revaluations and purchased and sold loans (percent) Households Non-financial Non-financial corporations corporations Lending and holding of Consumption Housing Other Lending debt securities Jan Table 2: Growth index, money supply, M1, M2 and M3 Base period ember 2001, adjusted for reclassifications M1 M2 M3 Jan Feb Feb Mar Mar Apr Apr Maj Maj Jun Jun Jul Jul Aug Aug Purchased and sold loans Table 1: MFI:s' purchased and sold loans each period, net (SEK millions) loans Of which loans to Of which loans Swedish nonfinancial households to Swedish corporations Jan Feb Mar Apr Maj Jun Jul Aug Purchased and sold loans are loans that have been purchased, sold, securitised or otherwise disposed or acquired. The values are net values, which means that negative values represents higher sales than purchases during the period.

9 5. Money supply The money supply refers to the quantity of liquid mediums of exchange circulating in society. However, it is not self-evident what should be included in the definition of money. Normally, a number of measurements with different "width" are defined, where the narrowest includes only cash and the wider also includes various types of instruments that can be considered as substitutes for money. Perhaps the most common study of the money supply is to examine various monetary measurements as indicators of inflation. The analysis of these aggregates can also be carried out for the purpose of obtaining complementary, primarily short-term, indicators of real activity such as GDP, or to examine the significance money has for the financial markets' influence on demand in the economy. Background In order to measure the quantity of money one usually divides society into different sectors; issuers of money and bearers of money. The actual money supply can thus be defined as the debt instruments of the issuers held by the bearer sectors. Up until and including ember 2005, the issuer sector consisted of Swedish banks. Two central money supply measurements were calculated; notes and coins held by Swedish non-bank public, and M3, where deposits in banks as well as certificates of deposit were included. M3+ also included the Swedish non-bank public's holdings of Treasury bills. Of all foreign central banks is it mainly at the European Central Bank (ECB) that the analysis of money supply aggregates has been given a prominent role. ECB has produced definitions of the money supply for the EU area. A fundamental change in relation to many previous national measurements was that the issuer sector was broadened to cover not only the banking sector. Since other financial institutions also mediate credits and accept deposits, the concept of Monetary Financial Institutions (MFI) was created. From January 2006 and onwards, the Riksbank produce a set of money supply measurements; notes and coins held by the Swedish non-bank public, M1, M2 and M3, which to a great extent have been harmonised with the ECB definition. The objective has been to achieve harmonization as far as possible without unnecessarily extending the financial institutions' data provision burden. The issuer sector has been broadened to include MFI:s' and the Swedish National Debt Office's (RGK) liabilities which are of a monetary nature. Moreover, the debt instruments proposed in the ECB definitions are, for the most part, included in the measurement of the money supply. Also, the treatment of the Swedish institutions' foreign branches has changed in the new monetary measure, and the new measure is now calculated excluding foreign branches. It has been possible to calculate these money supply measurements in an acceptable manner since January In the autumn of 2012, ECB changed the management of repurchase agreements in the money supply measure M3. The change implied that repurchase agreements cleared by a central counterpart (CCP) are exluded from M3. In Europe, repurchase agreements started to be cleared through a CCP in the beginning of the 21st century. Clearing through CCP:s increased during the financial crisis, for instance to reduce counterparty risk. It is important that the money supply measure M3, with its counterparties, remains consistent over time with the economic meaning of "money". In M3, MFI:s' repurchase agreements with non-mfi:s are included. However, when repurchase agreements are cleared through a central counterpart (CCP), the CCP never has independent disposition of the deposits, and acts only as an intermediary between the MFI:s. Therefore, repurchase agreements cleared by a CCP should not be included in the money supply. In Sweden, some repurchase agreements started to be cleared by a central counterpart (CCP) in the autumn of When repurchase agreements are cleared by a CCP, the counterpart is defined as an non-mfi (financial auxiliaries and other financial intermediaries in Sweden) in the statistics. Sweden has adapted theabove-definitionofm3inconnectiontothepublicationof ember Repurchase agreements cleared by a central counterpart have therefore been excluded from M3 back to tember Since repurchase agreements cleared by a central counterpart are excluded back to the time when these transactions began in Sweden, no break in the time series will occur. However, for other series than money supply repurchase agreements cleared by a central counterpart are included in loans and deposits to non-mfi:s. Example repurchase agreement cleared by a central counterpart (CCP) : If Bank A, instead of having a lending repurchase agreement directly towards Bank B, uses central counterparty clearing, Bank A will have a lending repurchase agreement towards the CCP (non-mfi). The CCP in turn will have a lending repurchase agreement towards Bank B. For Bank B this will be reported as a deposit repurchase agreement from non-mfi. For a more detailed description of repurchase agreements cleared by a CCP and money supply, see ECB's "Monthly Bulletin, tember 2012". Page 1 (3)

10 Notes and coins held by Swedish non-bank public In practice, notes and coins held by the Swedish non-bank public are calculated as the total stock of banknotes and coins in circulation (formally a debt instrument in the Riksbank's balance sheet) minus the Swedish MFI:s' cash balances in Swedish krona. Since foreigners also can hold Swedish krona in cash, this calculation will yield a slightly overestimated measure of the Swedish non-bank public's holdings of banknotes and coins. However, it can be assumed that these foreign holdings are small relative to the total stock of banknotes and coins in circulation. The Swedish definition of banknotes and coins in circulation also includes commemorative coins, not older than ten years. In ember 2015 the nominal value of commemorative coins was SEK 58 million. The public s holdings of invalid banknotes are normally included in banknotes and coins in circulation for a period of ten years after they ceased to be legal tender. Chart 1: Money supply, M1, M2 och M3 25% 20% 15% 10% 5% 0% 5% M1 M2 M3 M1 M1 is equal to the sum of notes and coins held by the Swedish non-bank public and on-demand deposits in MFI and RGK by the Swedish non-bank public. On-demand deposits are defined as overnight loans and deposits in transaction accounts. M2 M2 is equal to the sum of M1 and deposits subject to certain terms in Swedish MFI and RGK by the Swedish non-bank public. Deposits subject to certain terms consist of deposits redeemable at a notice of up to and including 3 months or deposits with a term to maturity of up to and including 2 years. M3 M3 is equal to the sum of M2, repurchase agreements and the non-bank public's holdings of shares in money market funds and interest-bearing securities, with a term to maturity of up to and including 2 years, issued by Swedish MFI:s. One practical problem with the calculation of M3 is that interest-bearing securities can be resold on secondary markets. It is hence impossible for the issuers of interest-bearing securities to know how much of their debt burden is held by the Swedish non-bank public. In order to complete the calculation of M3 without having to seek information from the bearer sector, interest-bearing securities issued by MFI:s in SEK is used as an approximation. Swedish MFI:s' holdings of these securities are excluded. Page 2 (3)

11 Definition of the old money supply measurements Since financial analysis often requires long time series and the new money supply measurements only can be calculated in a satisfactory manner as of and from January 1998 onward, the publication of notes and coins held by the Swedish non-bank public(foremerlycalledm0)andm3,accordingtopreviousdefinitions,continues to be in use based on monthly data as of and from 1961 onward. Splicing of the time series for new and old money supply measurements has not been carried out in this publication. Starting in tember 2010, the Swedish non-bank public's holdings of issued bank certificates are estimated through a residual calculation, after previously having been approximated based on the initial buyer. Table 1. Differences between new and old money supply measurements, by sector New money supply measurements Money issuing sector MFI The Central Bank Banks (incl. foreign branches located in Sweden) Housing credit institutions Other monetary credit market companies Money market funds (MMF) Monetary securities companies and fund commissioners Other monetary financial institutions (of which none exist today) National Debt Office's (RGK) liabilities of a monetary nature The new money supply is calculated exclusive of foreign branches but including transactions with own foreign branches Old money supply measurements The Central Bank Banks (including foreign branches located in Sweden) The former money supply was calculated including foreign branches Neutral sector Central government excluding National Debt Office's (RGK) Housing credit institutions liabilities of a monetary nature Other monetary credit market companies Monetary securities companies and fund commissioners Other monetary financial institutions (of which none exist today) Social security funds Non-monetary securities companies and insurance corporations and pension funds Money holding sector Local government Central government excluding National Debt Office (RGK) Non-bank public Non-MMF investment funds Local government Financial auxiliaries Money market funds (MMF) Non-profit institutions serving financial corporations Non-MMF investment funds Investment companies Financial auxiliaries Financial vehicle corporations engaged in securitisation Non-profit institutions serving financial corporations transactions (FVC) Investment companies Financial corporations engaged in lending Financial vehicle corporations engaged in securitisation Captive financial institutions and money transactions (FVC) lenders Financial corporations engaged in lending Financial intermediaries n.e.c., except Captive financial institutions and money insurance corporations and pension funds lenders Non-financial corporations Financial intermediaries Households including NPISH Non-financial corporations Social security funds Households including NPISH Non-monetary security and derivative dealers Insurance corporations and pension funds Page 3 (3)

12 5.1 Money supply and the monetary base Money supply, M1, M2 and M3 Table 1: Money supply, notes and coins held by Swedish non-bank public, M1 (SEK millions) Notes and coins in Notes and coins held by Notes and On demand- of which M1 circulation Swedish MFI:s coins held by deposits in MFI Financial Non-financial Local Households Non-profit Swedish nonbank public sector, and government from corporate sector, not MFI corporations government and social excluding NPISH institutions serving households Swedish non-bank securities public funds (a) (b) (c)=(a)-(b) (d) (e)=(c)+(d) Foreign currency Swedish krona Swedish krona Swedish krona Swedish krona Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Money supply, M2 and M3 (SEK millions) Deposits with certain Of which M2 Repurchase Shares in money Debt securities M3 conditions in MFI and Financial Non-financial Local Households Non-profit agreements market funds issued by MFI:s, government sector, from Swedish non- corporate sector, not MFI corporations government and social excluding NPISH institutions serving households < 2 years, held by Swedish non- bank public securities funds bank public (k) = (f) (g)=(e)+(f) (h) (i) (j) (g)+(h)+(i)+(j) Foreign Swedish krona currency Jan Feb Mar Apr Maj Jun Jul Aug Former definition of money supply, M3 Table 1: Former definition of money supply, notes and coins held by Swedish non-bank public, M3 (SEK millions) Notes and coins Bank deposits from Swedish Bank- Money held by Swedish non-bank public certificates a) supply non-bank public M3 Households Non-financial corporations Other Foreign Foreign Foreign Swedish Foreign Swedish Swedish krona currency Swedish krona currency Swedish krona currency krona currency krona Jan Feb Mar Apr Maj Jun Jul Aug a) From tember 2010 issued bank certificate held by Swedish public are estimated values. From tember 2010 the bank certificate refers to book values in distinction to earlier periods where nominal values were used Monetary base Table 1: Financial base for money supply, the monetary base (SEK millions) Notes and coins in Liabilities related to monetary of which circulation policy operations deposit Fine-tuning facility operations Other deposits Debt Other deposits from credit certificates institutions issued by the Riksbank Monetary base (a) (b) (c) (d) (e)= (a)+(b)+(c)+(d) Swedish krona Swedish krona Swedish krona Swedish krona Swedish krona Swedish krona Swedish krona Swedish krona Jan Feb Mar Apr Maj Jun Jul Aug

13 6. Balance sheets The balance sheets presented are mainly established according to the laws and directions that regulate accounting for monetary financial institutions in general. The central bank of Sweden (the Riksbank) has the possibility to assign exceptions from applicable accounting regulations when establishing statistical reporting. Valid exceptions are specified in the Riksbank s directions and general advice (RBFS 2014:2) regarding reporting of financial market statistics. The values presented always refer to aggregated level per reference sector, and institutions excluded from monthly reports are accounted for in the months situated in between, with the book values of the most recent reporting period. Chart 1: MFI:s' assets 6% 4% 9% 11% 70% Lending Securities other than shares Shares and other equities Derivatives Chart 2: MFI:s' equity and liabilities 0% 5% 5% 5% Deposits Issued securities 48% Issued shares in money market funds 37% Derivatives Other liabilities From ember 2001 and onwards, lending is accounted for in gross values, i.e. including reservations for uncertain loans. The period January 1996-ember 2001 are accounted for in net values. Before 1996 lending is, again, accounted for in gross values. Other assets Equity During the period parts of the lending and borrowing were not sector-classified. This was, among other reasons, due to the fact that some customers not having been acquired sectors, owing to missing or wrong organisation numbers. This remaining item has in the balance sheet been included in Swedish non-mfi, but the included sectors does not sum to the total. For financial corporations, the information on lending per sector is missing for the period before 1992 and has therefore been estimated from a latter distribution. In 1980 the law on financial firms (SFS 1980:2) took effect, which resulted in a new definition of financial corporations and an extension of the number of firms included in the study. Therefore, there is a cut in the time series in The format of the financial corporations balance sheet was also altered, which makes it difficult to compare the information before and after In the light of this, the lending per sector is not presented separately for financial corporations before the period 1992, and only the balance sheet total is shown before Estimates done, though, are included in the information for MFI total. After the bank crisis in 1992 banks created subsidiaries to manage bad loans and other assets.inconnectionwiththis,andonlateroccurrences, large amount of credits have been transferred from banks to companies outside bank/mfi-sector, and reverse. This too causes a break in the time series. Chart 3: Banks' assets 14% 7% 6% 10% 63% Lending Securities other than shares Shares and other equities Derivatives Other assets Chart 4: Banks' equity and liabilities 6% 6% 6% 54% 28% Deposits Issued securities Derivatives Other liabilities Equity Page 1 (1)

14 6.1 Balance sheets, period ending stocks Monetary financial institutions (MFI) Table 1: MFI:s' assets (SEK millions) Table 2: MFI:s' equity and liabilities (SEK millions) Assets Latest period: Equity and liabilities Latest period: Lending Deposits Non-MFI Non-MFI Swedish non-mfi Swedish non-mfi Financial corporate sector, not MFI Financial corporate sector, not MFI Non-financial corporations Non-financial corporations Public sector Public sector Households Households Foreign non-mfi Foreign non-mfi Other EU-countries Other EU-countries Rest of the world Rest of the world MFI MFI Swedish MFI Swedish MFI Banks Banks Housing credit institutions Housing credit institutions Other monetary credit market companies Other monetary credit market companies Other MFI 21 Other MFI Foreign MFI Foreign MFI Other EU-countries Other EU-countries Rest of the world Rest of the world Securities other than shares Issued securities Shares and other equities Certificates Derivatives Bonds Other assets Debenture loans TOTAL ASSETS Other issued securities Issued shares in money market funds Derivatives Other liabilities Equity TOTAL LIABILITIES Banks Table 1: Banks' assets (SEK millions) Table 2: Banks' equity and liabilities (SEK millions Assets Latest period: Equity and liabilities Latest period: Lending Deposits Non-MFI Non-MFI Swedish non-mfi Swedish non-mfi Financial corporate sector, not MFI Financial corporate sector, not MFI Non-financial corporations Non-financial corporations Public sector Public sector Households Households Foreign non-mfi Foreign non-mfi Other EU-countries Other EU-countries Rest of the world Rest of the world MFI MFI Swedish MFI Swedish MFI Banks Banks Housing credit institutions Housing credit institutions Other monetary credit market companies Other monetary credit market companies Other MFI 17 Other MFI Foreign MFI Foreign MFI Other EU-countries Other EU-countries Rest of the world Rest of the world Securities other than shares Issued securities Shares and other equities Certificates Derivatives Bonds Other assets Debenture loans TOTAL ASSETS Other issued securities Derivatives Other liabilities Equity TOTAL LIABILITIES

15 6.1.3 Housing credit institutions Table 1: Housing credit institutions' assets (SEK millions) Table 2: Housing credit institutions' equity and liabilities (SEK millions) Assets Latest period: Equity and liabilities Latest period: Lending Deposits Non-MFI Non-MFI 0 Swedish non-mfi MFI Financial corporate sector, not MFI 391 Swedish MFI Non-financial corporations Foreign MFI Public sector Issued securities Households Certificates 0 Foreign non-mfi Bonds MFI Debenture loans Swedish MFI Other issued securities 0 Foreign MFI Derivatives Securities other than shares Other liabilities Shares and other equities 1 Equity Derivatives TOTAL LIABILITIES Other assets TOTAL ASSETS Finance companies Table 1: Finance companies' assets (SEK millions) Table 2: Finance companies' equity and liabilities (SEK millions Assets Latest period: Equity and liabilities Latest period: Lending Deposits Non-MFI Non-MFI Swedish non-mfi Swedish non-mfi Financial corporate sector, not MFI 294 Foreign non-mfi Non-financial corporations MFI Public sector 709 Swedish MFI Households Foreign MFI Foreign non-mfi Issued securities MFI Certificates Swedish MFI Bonds Foreign MFI Debenture loans Securities other than shares Other issued securities 50 Shares and other equities Derivatives 23 Derivatives 257 Other liabilities Other assets Equity TOTAL ASSETS TOTAL LIABILITIES

16 6.1.5 Other monetary financial institutions (Other MFI) Table 1: Other MFI:s' assets (SEK millions) Table 2: Other MFI:s' equity and liabilities (SEK millions Assets Latest period: Equity and liabilities Latest period: Lending Deposits Non-MFI Non-MFI MFI MFI Securities other than shares Issued securities Shares and other equities 76 Certificates Derivatives Bonds Other assets Debenture loans TOTAL ASSETS Other issued securities 0 Issued shares in money market funds Derivatives Other liabilities Equity TOTAL LIABILITIES MFI:s' branches outside Sweden, foreign MFI:s' branches in Sweden and savings banks Table 1: MFI:s' branches outside Sweden, foreign MFI:s' branches in Sweden and savings banks' assets (SEK million Assets Latest period: MFI:s' branches Foreign MFI:s' branches Savings banks outside Sweden, in Sweden Lending Non-MFI MFI Securities other than shares Shares and other equities Derivatives Other assets TOTAL ASSETS Table 2: MFI:s' branches outside Sweden, foreign MFI:s' branches in Sweden and savings banks' equity and liabilities (SEK million Equity and liabilities Latest period: MFI:s' branches Foreign MFI:s' branches Savings banks outside Sweden, in Sweden Deposits Non-MFI MFI Issued securities Derivatives Other liabilities Equity TOTAL LIABILITIES

17 6.2 Monetary financial institutions (MFI:s') balance sheet, time series MFI:s' assets Table 1: MFI:s' total lending and lending to non-mfi (SEK millions) lending Non-MFI Swedish non-mfi Financial corporate sector, not MFI Non-financial corporations Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 1: MFI:s' total lending and lending to non-mfi (SEK millions), continued Public sector Households Foreign non-mfi Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s' lending to MFI (SEK millions) MFI Swedish MFI Banks Housing credit institutions Other monetary credit market companies Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 3: MFI:s' lending to MFI (SEK millions) Other MFI Foreign MFI Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 4: MFI:s' assets excluding lending (SEK millions) Securities other than shares Shares and other equities Derivatives Other assets assets Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 5: MFI:s' total assets, breakdown by currency (SEK millions) Euro and EMUcurrencies Swedish krona Other EUcurrencies c) Other foreign currencies Jan Feb Mar Apr Maj Jun Jul Aug

18 6.2.2 MFI:s' equity and liabilities Table 1: MFI:s' total deposits and deposits from non-mfi (SEK millions) deposits Non-MFI Swedish non-mfi Financial corporate sector, not MFI Non-financial corporations Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 1: MFI:s' total deposits and deposits from non-mfi (SEK millions), continued Public sector Households Foreign non-mfi Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s' deposits from MFI (SEK millions) MFI Swedish MFI Banks Housing credit institutions Other monetary credit market companies Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s' deposits from MFI (SEK millions), continued Other MFI Foreign MFI Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 3: Securities issued by MFI:s (SEK millions) Issued securities Certificates Bonds Debenture loans Other issued securities Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 4: MFI:s' issued shares in money market funds, derivatives, other liabilities and equity (SEK millions) Issued shares in money market funds Derivatives Other liabilities Equity liabilities Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Euro and Other Other foreign krona currency krona currency krona currency krona currency krona EMU-currencies EU-currencies currencies Jan Feb Mar Apr Maj Jun Jul Aug

19 6.3 Banks' balance sheet, time series Banks' assets Table 1: Banks' total lending and lending to non-mfi (SEK millions) lending Non-MFI Swedish non-mfi a) Financial corporate sector, not MFI Non-financial corporations Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Banks' total lending and lending to non-mfi (SEK millions), continued Public sector Households Foreign non-mfi Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' lending to MFI (SEK millions) MFI Swedish MFI Banks Housing credit institutions Other monetary credit market companies Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' lending to MFI (SEK millions), continued Other MFI Foreign MFI Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 3: Banks' assets excluding lending (SEK millions) Securities other than shares Shares and other equities Derivatives Other assets assets Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 4: Banks' total assets, breakdown by currency (SEK millions) Swedish krona Euro and EMU-currencies Other EU-currencies c) Other foreign currencies Jan Feb Mar Apr Maj Jun Jul Aug

20 6.3.2 Banks' equity and liabilities Table 1: Banks' total deposits and deposits from non-mfi (SEK millions) deposits Non-MFI Swedish non-mfi Financial corporate sector, not MFI Non-financial corporations Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Banks' total deposits and deposits from non-mfi (SEK millions), continued Public sector Households Foreign non-mfi Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' deposits from MFI (SEK millions) MFI Swedish MFI Banks Housing credit institutions Other monetary credit market companies Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' deposits from MFI (SEK millions), continued Other MFI Foreign MFI Other EU-countries Rest of the world Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 3: Securities issued by banks (SEK millions) Issued securities Certificates Bonds Debenture loans Other issued securities Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 4: Banks' derivatives, other liabilites and equity (SEK millions) Derivatives Other liabilities Equity liabilities Swedish Foreign Swedish Foreign Swedish Foreign Swedish Euro and Other Other foreign krona currency krona currency krona currency krona currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug

21 6.4 Housing credit institutions' balance sheet, time series Housing credit institutions' assets Table 1: Housing credit institutions' lending (total currency, SEK millions) lending Non-MFI Swedish Financial Non-financial Public Households Foreign MFI Swedish MFI Foreign non-mfi a) corporate sector, corporations sector non-mfi MFI not MFI Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Housing credit institutions' assets excluding lending (total currency, SEK millions) Securities other Shares and Derivatives Other than shares other equities b) assets assets d) Swedish Foreign Euro and Other Other foreign krona currency EMU-currencies EU-currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug Housing credit institutions' equity and liabilities Table 1: Housing credit institutions' deposits (total currency, SEK millions) deposits Non-MFI MFI Swedish Foreign MFI MFI Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Housing credit institutions' equity and liabilities, excluding deposits (total currency, SEK millions) Issued Certificates Bonds Debenture Other issued Derivatives Other Equity securities loans securities liabilities liabilities d) Swedish Foreign Euro and EMU- Other Other foreign krona currency currencies EU-currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug

22 6.5 Finance companies' balance sheet, time series Finance companies' assets Table 1: Finance companies' lending (total currency, SEK millions) lending Non-MFI Swedish Financial corporate Non-financial Public Households Foreign MFI Swedish Foreign non-mfi a) sector, not MFI corporations sector non-mfi MFI MFI Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Finance companies' assets excluding lending (SEK millions) Securities other Shares and Derivatives Other than shares other equities assets assets e) Swedish Foreign Euro and EMU- Other Other foreign krona currency currencies EU-currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug Finance companies' equity and liabilities Table 1: Finance companies' deposits (total currency, SEK millions) lending Non-MFI Swedish Foreign MFI Swedish Foreign non-mfi a) non-mfi MFI MFI Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Finance companies equity and liabilities, excluding deposits (total currency, SEK millions) Issued Certificates Bonds Debenture Other issued Derivatives Other Equity Swedish Foreign Euro and EMU- Other Other foreign securities loans securities liabilities liabilities d) krona currency currencies EU-currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug

23 6.6 Other monetary financial institutions (Other MFI:s') balance sheet, time series Other MFI:s' assets Table 1: Other MFI:s' assets (SEK millions) Non-MFI MFI Securities other Shares and Derivatives Other lending than shares other equities Assets assets Swedish Foreign Euro and Other Other foreign krona currency EMU-currencies EU-currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug Other MFI:s' equity and liabilites Table 1: Other MFI:s' equity and liabilities (SEK millions) Non-MFI MFI Securities Certificates Bonds Debenture Other Issued shares in Derivatives Other Equity liabilities deposits Issued loands securities money market funds liabilities Swedish Foreign Euro and Other Other foreign issued krona currency EMU-currencies EU-currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug Monetary financial institutions (MFI:s') branches outside Sweden, balance sheet, time series MFI:s' branches outside Sweden, assets Table 1: MFI:s' branches outside Sweden, assets (SEK millions) Non-MFI MFI Securities other Shares and Derivatives Other Euro and Balancing lending than shares other equities Assets assets EMU- residual item Swedish Foreign Other EU- Other foreign krona currency currencies currencies c) currencies from branches Jan Feb Mar Apr Maj Jun Jul Aug MFI:s' branches outside Sweden, equity and liabilities Table 1: MFI:s' branches outside Sweden, equity and liabilites (SEK millions) Non-MFI MFI Securities Derivatives Other Equity Euro and Balancing deposits issued liabilities liabilities EMU- residual item Swedish Foreign Other EU- Other foreign krona currency from branches currencies currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug

24 6.8 Foreign monetary financial institutions' (Foreign MFI:s') branches in Sweden, balance sheet, time series Foreign MFI:s' branches in Sweden, assets Table 1: Foreign MFI:s' branches in Sweden, assets (SEK millions) Non-MFI MFI Securities other Shares and Derivatives Other Euro and lending than shares other equities Assets assets EMU- Swedish Foreign Other EU- Other foreign krona currency currencies currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug Foreign MFI:s' branches in Sweden, equity and liabilities Table 1: Foreign MFI:s' branches in Sweden, equity and liabilites (SEK millions) Non-MFI MFI Securities Derivatives Other Equity Euro and deposits issued liabilities liabilities EMU- Swedish Foreign Other EU- Other foreign krona currency currencies currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug Savings banks' balance sheet, time series Savings banks' assets Table 1: Savings banks' assets (SEK millions) Non-MFI MFI Securities other Shares and Derivatives Other Euro and lending than shares other equities Assets assets EMU- Swedish Foreign Other EU- Other foreign krona currency currencies currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug Savings banks' equity and liabilities Table 1: Savings banks' equity and liabilities (SEK millions) Non-MFI MFI Securities Derivatives Other Equity Euro and deposits issued liabilities liabilities EMU- Swedish Foreign Other EU- Other foreign krona currency currencies currencies c) currencies Jan Feb Mar Apr Maj Jun Jul Aug

25 7. Balance sheet items How the purpose of the loans is calculated In Sweden we do not collect the purpose of the loans as consumer credits, housing loans and other loans but we collect loans divided on different collaterals. We use these breakdowns on loans by collaterals to approximate consumer credits, housing loans and other loans. In the new publication from tember 2010 and onwards the breakdown on the purpose of the loan has been modified in order to obtain stable series that better describes the purpose of lending to Swedish households. In the former definition all loans to entrepreneur households were counted as other loans, while in the new definitionen (see below) even entrepreneur households can have housing loans. Another change is that housing credit institutions can give consumer credits. The figures prior to tember 2010 has been updated with the new definition. The calculation of the purpose of the loan has been extended to ember Between ember 2001 and ember 2003 an estimation have been necessary to distinguish entrepreneur households from non-profit institutions serving households. Table 1: MFI:s lending to households, breakdown by purpose 13% 5% Consumption 82% Housing Other Consumer credits Loans without collaterals and loans guaranteed by others than central government and local governments to households other than entrepreneur households or non-profit institutions serving households. Housing loans Loans to households (entrepreneur households and other households) where single-family dwellings, condominiums or tenant-owner apartments make up the collateral for the loan. No loans to non-profit institutions serving households are counted as housing loans. Other purposes Loans to entrepreneur households excluding housing loans and loans to other households with other collaterals than those mentioned above. All loans to non-profit institutions serving households are counted as other purposes. MFI:s' holding of debt securities issued by non-financial corporations From ember 2015 and onwards MFI:s' holding of debt securities issued by non-financial corporations are presented in sheet The numbers are presented in order to give a more precise measure of how MFI:s finance non-financial corporations. Purchases of debt securities are thus seen as investments in the corporations. The times series for MFI:s' holding of debt securities issued by non-financial corporations has been extended to January A joint growth rate combining MFI:s lending to non-financial corporations and holding of debt securities issued by non-financial corporations is presented in sheet The times series for the growth rate is extended to January Lending to non-financial corporations, breakdown by size of loan In part 7.10 new lending to non-financial corporations during the month, breakdown by size, is presented. The table is divided in two parts: - Overdrafts and revolving loans, outstanding agreements - New and rescheduled loans during the month, overdrafts and revolving loans excluded Lending breakdown by size may possibly be used as an approximation of how different types of non-financial corporations lend. Large corporations may as an example lend larger amounts than what smaller corporations do. Lending breakdown by size is not collected for the entire MFI population. The numbers in table 7.10 have yet been grossed up to match the entire MFI population. Page 1 (1)

26 7.1 Lending to households and non-financial corporations, breakdown by purpose Monetary financial institutions (MFI) Table 2: MFI:s' lending to households and non-financial corporations (SEK millions) Table 1: MFI:s' lending to households (SEK millions) MFI:s' holding of debt securities issued by non-financial corporations (SEK millions) Non-financial Non-financial Households Households corporations corporations NPISH Households Consumption Housing Other Entrepreneurial Entrepreneurial excl. NPISH Holding of debt households Other households households Other households Lending securities Jan Jan Feb Feb Mar Mar Apr Apr Maj Maj Jun Jun Jul Jul Aug Aug Banks Housing credit institutions Table 1: Banks' lending to households and non-financial corporations (SEK millions Table 1: Housing credit institutions' lending to households and non-financial corporations (SEK millions Non-financial Non-financial Households corporations Households corporations Consumption Housing Other Consumption Housing Other Jan Jan Feb Feb Mar Mar Apr Apr Maj Maj Jun Jun Jul Jul Aug Aug Finance companies Other monetary financial institutions (Other MFI) Table 1: Finance companies' lending to households and non-financial corporations (SEK millions Table 1: Other MFI:s' lending to households and non-financial corporations (SEK millions Non-financial Non-financial Households corporations Households corporations Consumption Housing Other Consumption Housing Other Jan Jan Feb Feb Mar Mar Apr Apr Maj Maj Jun Jun Jul Jul Aug Aug Leding to the public sector Monetary financial institutions (MFI) Table 1: MFI:s' lending to Swedish public sector (SEK millions) Central Local Social security government governments funds Jan Feb Mar Apr Maj Jun Jul Aug

27 7.3 Lending to households and non-financial corporations, breakdown by collateral Monetary financial institutions (MFI) Table 1: MFI:s' lending to households excluding NPISH, breakdown by collateral (SEK millions) Overnight Central or local loans & Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s' lending to non-financial corporations, breakdown by collateral (SEK millions) Overnight of which tenantowner Central or local loans & Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured assosiations instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits Jan Feb Mar Apr Maj Jun Jul Aug Banks Table 1: Banks' lending to households excluding NPISH, breakdown by collateral (SEK millions) Overnight Central or local loans & Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' lending to non-financial corporations, breakdown by collateral (SEK millions) Overnight Central or local loans & of which tenantowner Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits assosiations Jan Feb Mar Apr Maj Jun Jul Aug Housing credit institutions Table 1: Housing credit institutions' lending to households excluding NPISH, breakdown by collateral (SEK millions) Overnight Central or local loans & Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Housing credit institutions' lending to non-financial corporations, breakdown by collateral (SEK millions) Overnight Central or local loans & of which tenantowner Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits assosiations Jan Feb Mar Apr Maj Jun Jul Aug

28 7.3.4 Finance companies Table 1: Finance companies' lending to households excluding NPISH, breakdown by collateral (SEK millions) Overnight Central or local loans & Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Finance companies' lending to non-financial corporations, breakdown by collateral (SEK millions) Overnight Central or local loans & of which tenantowner Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits assosiations Jan Feb Mar Apr Maj Jun Jul Aug Other monetary financial institutions (Other MFI) Table 1: Other MFI:s' lending to households excluding NPISH, breakdown by collateral (SEK millions) Overnight Central or local loans & Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Other MFI:s' lending to non-financial corporations, breakdown by collateral (SEK millions) Overnight Central or local loans & of which tenantowner Financial Single-family Tenant-owner Multi-dwelling Agricultural Other Floating government Other repurchase Unsecured instruments dwellings Condominiums b) apartments building buildings properties charges guarantee gurarantee Other collateral agreements credits assosiations Jan Feb Mar Apr Maj Jun Jul Aug

29 7.4 Lending to households and non-financial corporations, breakdown by maturity Monetary financial institutions (MFI) Table 1: MFI:s' lending to households, breakdown by maturity (SEK millions) Households Original interest rate fixation period Remaining interest rate fixation period 3 months 3 months - 1 year 1 year of which of which 1-5 years > 5 years 1-2 years > 2 years (incl. transaction transaction 3 months excl transaccounts) accounts action accounts Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s' lending to non-financial corporations, breakdown by maturity (SEK millions) Non-financial corporations Original interest rate fixation period Remaining interest rate fixation period 3 months 3 months - 1 year 1 year of which of which 1-5 years > 5 years 1-2 years > 2 years (incl. transaction transaction 3 months excl transaccounts) accounts action accounts Jan Feb Mar Apr Maj Jun Jul Aug Banks Table 1: Banks' lending to households, breakdown by maturity (SEK millions) Households Original interest rate fixation period Remaining interest rate fixation period 3 months 3 months - 1 year 1 year of which of which 1-5 years > 5 years 1-2 years > 2 years (incl. transaction transaction 3 months excl transaccounts) accounts action accounts Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' lending to non-financial corporations, breakdown by maturity (SEK millions) Non-financial corporations Original interest rate fixation period Remaining interest rate fixation period 3 months 3 months - 1 year 1 year of which of which 1-5 years > 5 years 1-2 years > 2 years (incl. transaction transaction 3 months excl transaccounts) accounts action accounts Jan Feb Mar Apr Maj Jun Jul Aug

30

31 7.4.3 Housing credit institutions Table 1: Housing credit institutions' lending to households, breakdown by maturity (SEK millions) Households Original interest rate fixation period Remaining interest rate fixation period 3 months 3 months - 1 year 1 year of which of which 1-5 years > 5 years 1-2 years > 2 years (incl. transaction transaction 3 months excl transaccounts) accounts action accounts Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Housing credit institutions' lending to non-financial corporations, breakdown by maturity (SEK millions) Non-financial corporations Original interest rate fixation period Remaining interest rate fixation period 3 months 3 months - 1 year 1 year of which of which 1-5 years > 5 years 1-2 years > 2 years (incl. transaction transaction 3 months excl transaccounts) accounts action accounts Jan Feb Mar Apr Maj Jun Jul Aug

32 7.5 Lending to households for housing loans, breakdown by maturity Monetary financial institutions (MFI) Table 1: MFI:s' lending to households for housing loans, excluding NPISH (SEK millions) Households Entrepreneurial households Other households Original interest rate fixation period Original interest rate fixation period Original interest rate fixation period 1 year 1-5 years > 5 years 1 year 1-5 years > 5 years 1 year 1-5 years > 5 years of which 3 months a) of which 3 months a) of which 3 months a) Jan Feb Mar Apr Maj Jun Jul Aug Banks Table 1: Banks' lending to households for housing loans, excluding NPISH (SEK millions) Households Original interest rate fixation period 1 year 1-5 years > 5 years of which 3 months a) Jan Feb Mar Apr Maj Jun Jul Aug Housing credit institutions Table 1: Housing credit institutions' lending to households for housing loans, excluding NPISH (SEK millions) Households Original interest rate fixation period 1 year 1-5 years > 5 years of which 3 months a) Jan Feb Mar Apr Maj Jun Jul Aug

33 7.6 Lending to non-monetary financial institutions (non-mfi), breakdown by type of credit Monetary financial institutions (MFI) Table 1: MFI:s' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions) Factoring credits Hire purchase credits Contract credits Promissory note credits Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 1: MFI:s' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions), continued Other credits c) lending Swedish Foreign Swedish Foreign krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Banks Table 1: Banks' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions) Factoring credits Hire purchase credits Contract credits Promissory note credits Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Banks' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions), continued Other credits c) lending Swedish Foreign Swedish Foreign krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug

34 7.6.3 Housing credit institutions Table 1: Housing credit institutions' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions) Factoring credits Hire purchase credits Contract credits Promissory note credits Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Housing credit institutions' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions), continued Other credits c) lending Swedish Foreign Swedish Foreign krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Finance companies Table 1: Finance companies' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions) Factoring credits Hire purchase credits Contract credits Promissory note credits Other credits c) lending Jan Feb Mar Apr Maj Jun Jul Aug Other monetary financial institutions (Other MFI) Table 1: Other MFI:s' lending to Swedish and foreign non-mfi, breakdown by type of credit (SEK millions) Factoring credits Hire purchase credits Contract credits Promissory note credits Other credits c) lending Jan Feb Mar Apr Maj Jun Jul Aug

35 7.7 Lending in form of convenience credit card and extended credit card credit Monetary financial institutions (MFI) Table 1: MFI:s' lending in form of convenience credit card and extended credit card credit (SEK millions) Swedish counterparts Non-financial corporations Households Convenience credit cards and extended Convenience credit cards and extended Convenience credit cards and extended Convenience credit cards and extended credit cards credits Convenience credit cards credits Convenience credit cards credits Convenience credit cards credits Convenience credit Extended credit credit Extended credit Extended credit Extended credit credit card credit card credit card credit card credit credit card credit card credit card credit card credit Jan Feb Mar Apr Maj Jun Jul Aug Table 1: MFI:s' lending in form of convenience credit card and extended credit card credit (SEK millions), continued Foreign counterparts Other counterparts Convenience credit cards and extended Convenience credit cards and extended credit cards credits Convenience credit cards credits Convenience Extended credit credit Extended credit credit card credit card credit card credit card credit Jan Feb Mar Apr Maj Jun Jul Aug Banks Table 1: Banks' lending in form of convenience credit card and extended credit card credit (SEK millions) Swedish counterparts Non-financial corporations Households Convenience credit cards and extended Convenience credit cards and extended Convenience credit cards and extended Convenience credit cards and extended credit cards credits Convenience credit cards credits Convenience credit cards credits Convenience credit cards credits Convenience credit Extended credit credit Extended credit Extended credit Extended credit credit card credit card credit card credit card credit credit card credit card credit card credit card credit Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Banks' lending in form of convenience credit card and extended credit card credit (SEK millions), continued Foreign counterparts Other counterparts Convenience credit cards and extended Convenience credit cards and extended credit cards credits Convenience credit cards credits Convenience Extended credit credit Extended credit credit card credit card credit card credit card credit Jan Feb Mar Apr Maj Jun Jul Aug

36 7.7.3 Finance companies Table 1: Finance companies' lending in form of convenience credit card and extended credit card credit (SEK millions) Swedish counterparts Non-financial corporations Households Convenience credit cards and extended Convenience credit cards and extended Convenience credit cards and extended Convenience credit cards and extended credit cards credits Convenience credit cards credits Convenience credit cards credits Convenience credit cards credits Convenience Extended credit credit Extended credit Extended credit Extended credit credit card credit card credit card credit card credit credit card credit card credit credit card credit card credit Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Finance companies' lending in form of convenience credit card and extended credit card credit (SEK millions), continued Foreign counterparts Other counterparts Convenience credit cards and extended Convenience credit cards and extended credit cards credits Convenience credit cards credits Convenience Extended credit credit Extended credit credit card credit card credit card credit card credit Jan Feb Mar Apr Maj Jun Jul Aug Convenience credit cards and extended credit cards issued by monetary financial institutions (MFI) Table 1: MFI:s' issued convenience credit cards and extended credit cards, number of cards (thousands) Issued by MFI Issued by Issued by banks finance companies Jan Feb Mar Apr Maj Jun Jul Aug

37 7.9 Housing credit institutions' lending, breakdown by collateral and maturity Housing credit institutions, new agreements Table 1: Housing credit institutions' lending to Swedish and foreign non-mfi, breakdown by collateral, new loans (SEK millions) New loans each period Single-family dwellings Condominiums b) Tenant-owner apartments Multi-dwelling buildings Commercial and office buildings Other objects Direct loans to local governments e) Of which tenant-owner associations f) Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Housing credit institutions' lending, breakdown by maturity, new loans (SEK millions) Swedish and foreign non-mfi Swedish and foreign households excluding NPISH Flexible Fixed Flexible Fixed rate rate rate rate < 5 yr >5 yr < 5 yr >5 yr Jan Feb Mar Apr Maj Jun Jul Aug

38 7.10 Lending to non-financial corporations, breakdown by size of loan Monetary financial institutions (MFI) Table 1: MFI:s' lending to non-financial corporations, breakdown by size of loan (SEK millions) Overdrafts and revolving loans New and rescheduled loans during the month, overdrafts and revolving loans excluded SEK 10 millions > SEK 10 millions SEK 10 millions > SEK 10 millions SEK 2,5 millions SEK 2,5 millions - SEK 10 millions SEK 2,5 millions SEK 2,5 millions - SEK 10 millions SEK 250 thousand - SEK 2,5 millions SEK 250 thousand - SEK 2,5 millions SEK 250 thousand SEK 250 thousand Jan Feb Mar Apr Maj Jun Jul Aug Non-performing loans Monetary financial institutions (MFI) Tabell 1: MFI:s' lending, non-performing loans (SEK millions) Swedish non-mfi of which of which Non-MFI Non-financial corporations Households Non-performing loans Proportion of lending Non-performing loans Proportion of lending Non-performing loans Proportion of lending 2015 Mar ,48% ,48% ,54% Jun ,48% ,48% ,54% ,47% ,48% ,52% ,41% ,45% ,43% Mar ,37% ,37% ,42% Jun ,38% ,38% ,42%

39 7.12 Leasing, breakdown by type of leasing object Monetary financial institutions (MFI) Table 1: Leasing from MFI:s, breakdown by type of leasing object (SEK millions Buildings Private cars Other vehicles of which light lorries Other means of transport Rail and tramway vehicles Boats and ships Airships Containers Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Leasing from MFI:s, breakdown by type of leasing object (SEK millions), continue Contract machinery Earth moving machinery and construction machinery Agriculture and forestry machinery Workshop machinery Computers and attendant equipment Cellular telephones and other communication equipment orations for offices, hotels, restaurants or boutiques Graphic equipment Medical equipment Other g) of which Counterparts outside of Sweden Jan Feb Mar Apr Maj Jun Jul Aug

40 Banks Table 1: Leasing from banks, breakdown by type of leasing object (SEK millions Buildings Private cars Other vehicles of which light lorries Other means of transport Rail and tramway vehicles Boats and ships Airships Containers Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Leasing from banks, breakdown by type of leasing object (SEK millions), continue Contract machinery Earth moving machinery and construction machinery Agriculture and forestry machinery Workshop machinery Computers and attendant equipment Cellular telephones and other communication equipment orations for offices, hotels, restaurants or boutiques Graphic equipment Medical equipment Other g) of which Counterparts outside of Sweden Jan Feb Mar Apr Maj Jun Jul Aug

41 Finance companies Table 1: Leasing from finance companies, breakdown by type of leasing object (SEK millions Buildings Private cars Other vehicles of which light lorries Other means of transport Rail and tramway vehicles Boats and ships Airships Containers Jan Feb Mar Apr Maj Jun Jul Aug Table 1: Leasing from finance companies, breakdown by type of leasing object (SEK millions), continue Contract machinery Earth moving machinery and construction machinery Agriculture and forestry machinery Workshop machinery Computers and attendant equipment Cellular telephones and other communication equipment orations for offices, hotels, restaurants or boutiques Graphic equipment Medical equipment Other g) of which Counterparts outside of Sweden Jan Feb Mar Apr Maj Jun Jul Aug

42 7.13 Leasing, breakdown by counterpart Monetary financial institutions (MFI) Table 1: Financial leasing from MFI:s, breakdown by counterpart (SEK millions) g) Swedish counterparts Swedish non-mfi Swedish MFI Foreign counterparts Financial corporate Non-financial sector, not MFI corporations Public sector Households incl. NPISH Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Operational leasing from MFI:s, breakdown by counterpart (SEK millions g) Swedish counterparts Swedish non-mfi Swedish MFI Foreign counterparts Financial corporate Non-financial sector, not MFI corporations Public sector Households incl. NPISH Jan Feb Mar Apr Maj Jun Jul Aug

43 Banks Table 1: Financial leasing from banks, breakdown by counterpart (SEK millions g) Swedish counterparts Swedish non-mfi Swedish MFI Foreign counterparts Financial corporate Non-financial sector, not MFI corporations Public sector Households incl. NPISH Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Operational leasing from banks, breakdown by counterpart (SEK millions) g) Swedish counterparts Swedish non-mfi Swedish MFI Foreign counterparts Financial corporate Non-financial sector, not MFI corporations Public sector Households incl. NPISH Jan Feb Mar Apr Maj Jun Jul Aug

44 Finance companies Table 1: Financial leasing from finance companies, breakdown by counterpart (SEK millions g) Swedish counterparts Swedish non-mfi Swedish MFI Foreign counterparts Financial corporate Non-financial sector, not MFI corporations Public sector Households incl. NPISH Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Operational leasing from finance companies, breakdown by counterpart (SEK millions g) Swedish counterparts Swedish non-mfi Swedish MFI Foreign counterparts Financial corporate Non-financial sector, not MFI corporations Public sector Households incl. NPISH Feb Mar Apr Maj Jun Jul Aug

45 7.14 Households' deposits Monetary financial institutions (MFI) Table 1: MFI:s' deposits from households (SEK millions NPISH Households excl. NPISH Entrepreneurial Other Households Households Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s' deposits from households, breakdown by type of deposit (SEK millions On demand deposit savings account IPS Other Deposits with agreed maturity Deposits redeemable at notice 3 month 1-2 years > 2 years (Overnight loans & Swedish Foreign -1 years 3 month h) > rep. agreements) krona currency 3 month 3 month Jan Feb Mar Apr Maj Jun Jul Aug Table 2.1: MFI:s' deposits from entrepreneurial households, breakdown by type of deposit (SEK millions On demand deposit savings account IPS Other Deposits with agreed maturity Deposits redeemable at notice 3 month 1-2 years > 2 years (Overnight loans & Swedish Foreign -1 years 3 month h) > rep. agreements) krona currency 3 month 3 month Jan Feb Mar Apr Maj Jun Jul Aug Table 2.2: MFI:s' deposits from other households, breakdown by type of deposit (SEK millions On demand deposit savings account IPS Other Deposits with agreed maturity Deposits redeemable at notice 3 month 1-2 years > 2 years (Overnight loans & Swedish Foreign -1 years 3 month h) > rep. agreements) krona currency 3 month 3 month Jan Feb Mar Apr Maj Jun Jul Aug

46 Banker Table 1: Banks' deposits from households (SEK millions NPISH Households excl. NPISH Entrepreneurial Households Other Households Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' deposits from households, breakdown by type of deposit (SEK millions On demand deposit savings account IPS Other Deposits with agreed maturity Deposits redeemable at notice 3 month 1-2 years > 2 years (Overnight loans & Swedish Foreign -1 years 3 month h) > rep. agreements) krona currency 3 month 3 month Jan Feb Mar Apr Maj Jun Jul Aug Individual pension savings Table 1: Individual pension savings, time series (SEK millions) Changes in the periods Number of Average value Deposits Payments accounts per account Interest Dividends Taxes, fees Reallocations Change in value Deposit Shares in Other (+) (-) (+) (+) (-) (+/-) (+/-) accounts mutual funds funds SEK (thousands) 2015 Mar Jun Mar Jun

47 7.16 Lending to and deposits from non-monetary financial institutions (non-mfi) Monetary financial institutions (MFI) Table 1: MFI:s' lending to Swedish non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s ' lending to foreign non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug Table 3: MFI:s' deposits from Swedish non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug Table 4: MFI:s' deposits from foreign non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug

48 Banks Table 1: Banks' lending to Swedish non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' lending to foreign non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug Table 3: Banks' deposits from Swedish non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug Table 4: Banks' deposits from foreign non-mfi (SEK millions) Overnight loans Repurchase agreements Other credits Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug

49 7.17 Securities Monetary financial institutions (MFI) Table 1: MFI:s' holdings of securities, breakdown by type of security (SEK millions) Treasury bills, etc. eligible for refinancing Certificates Bonds Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: MFI:s' issued securities, breakdown by type of security (SEK millions) Certificates Bonds Of which Debenture loans Of which Money orders Other securities j) Index linked bonds Private bonds Covered bonds Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency Swedish krona Foreign currency Swedish krona Foreign currency Swedish krona Foreign currency Bonds Jan Feb Mar Apr Maj Jun Jul Aug Table 3: MFI:s' issued securities (including debenture loans), fair value, breakdown by original maturity (SEK millions) Issued securitites Issued securities Valuation difference 1) (book value) Maturity 1 year Maturity > 1 year Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug ) "Valuation difference" means the difference between Table 3 and Table 2 (section ). Table 3 contains fair value and Table 2 contains book value. Except the difference between fair value and book value, the valuation difference can be due to other effects, for example the difference in currency exchange rates. For more information, see section 10. Notes (7, Balance sheet items). Table 4: MFI:s' issued shares in money market funds (SEK millions) Issued shares in money market funds Swedish Foreign krona currency Jan Feb Mar Apr Maj Jun Jul Aug

50 Banks Table 1: Banks' holdings of securities, breakdown by type of security (SEK millions) Treasury bills etc. eligible for refinancing Certificates Bonds Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Banks' issued securities, breakdown by type of security (SEK millions) Certificates Bonds of which Debenture loans Of which Money orders Other securities j) Swedish Foreign Swedish Foreign Index linked Private Covered Swedish Foreign Private Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency bonds bonds bonds krona currency bonds krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Valuation difference 1) Table 3: Banks' issued securities (including debenture loans), fair value, breakdown by original maturity (SEK millions) Issued securitites Issued securities (book value) Maturity 1 year Maturity > 1 year Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug ) "Valuation difference" means the difference between Table 3 and Table 2 (section ). Table 3 contains fair value and Table 2 contains book value. Except the difference between fair value and book value, the valuation difference can be due to other effects, for example the difference in currency exchange rates. For more information, see section 10. Notes (7, Balance sheet items).

51 Housing credit institutions Table 1: Housing credit institutions' holdings of securities, breakdown by type of security (SEK millions) Treasury bills, etc. eligible for refinancing Certificates Bonds Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Table 2: Housing credit institutions' issued securities, breakdown by type of security (SEK millions) Certificates Bonds Of which Debenture loans Of which Money orders Other securities j) Swedish Foreign Swedish Foreign Index linked Private Covered Swedish Foreign Privat- Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency bonds bonds bonds krona currency obligationer krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug Valuation difference 1) Table 3: Housing credit institutions' issued securities (including debenture loans), fair value, breakdown by original maturity (SEK millions) Issued securitites Issued securities (book value) Maturity 1 year Maturity > 1 year Swedish Foreign Swedish Foreign Swedish Foreign Swedish Foreign krona currency krona currency krona currency krona currency Jan Feb Mar Apr Maj Jun Jul Aug ) "Valuation difference" means the difference between Table 3 and Table 2 (section ). Table 3 contains fair value and Table 2 contains book value. Except the difference between fair value and book value, the valuation difference can be due to other effects, for example the difference in currency exchange rates. For more information, see section 10. Notes (7, Balance sheet items).

52 7.18 Derivatives Monetary financial institutions (MFI) Table 1: MFI:s' derivatives, assets (SEK millions) Table 2: MFI:s' derivatives, liabilities (SEK millions) Swedish financial Other Swedish Swedish financial Other Swedish Foreign Foreign auxiliaries k) counterparts counterparts auxiliaries k) counterparts counterparts Jan Jan Feb Feb Mar Mar Apr Apr Maj Maj Jun Jun Jul Jul Aug Aug Banks Table 1: Banks' derivatives, assets (SEK millions) Table 2: Banks' derivatives, liabilities (SEK millions) Swedish financial Other Swedish Foreign Swedish financial Other Swedish Foreign auxiliaries k) counterparts counterparts auxiliaries k) counterparts counterparts Jan Jan Feb Feb Mar Mar Apr Apr Maj Maj Jun Jun Jul Jul Aug Aug

53 8. Interest rates STATISTICS COLLECTION As of tember 2005, statistics have been collected on interest rates for deposits and loans with the aid of a new questionnaire. In addition, this questionnaire is being sent to more institutes than previously. Consequently, certain changes have occurred in the presentation of statistics in this part. As from the second quarter of 2004 statistics about banks' and housing credit institutions' interest rates are being compiled by Statistics Sweden on behalf of the Riksbank. Comparability over time Since tember 2005, the Riksbank is measuring average interest rate in SEK for deposits and loans from a sample of monetary financial institutions, every month. Between 2000 and tember 2005 these measurements were done quarterly. The sample included a selection of banks and all the housing credit institutions. Prior to 2000, the measurements included all banking companies including foreign branches in Sweden. In order to quickly publish the average interest rates on deposits and loans, only the average rates of the largest banks were presented up until the end of Beginning in 2000, the publication includes the average interest rate of deposits and loans for all banks which report interest statistics, implying that a larger number of banks were now included. The first time these measurements were made in banks was in March 1989, while measurements for housing credit institutions were first made in March Starting in tember 2005, measurements have also been made from a sample of institutes financing municipalities and companies, as well as finance companies From tember 2005 the interest rate being measured is the annualised agreed rate, before tember 2005 the interest rate were not annualised. Up until the end of the third quarter of 1992, interest on deposits and loans in banks was measured in different ways. Interest on deposits was then measured as an average during the period. For new agreements, the interest rate is calculated as a monthly averagei.e. all new agreements that have been entered at some time during the month. Starting in the fourth quarter of 1992, interest for both deposits and loans was measured as a weighted average on the last day of the quarter Chart 1: MFI:s' lending rates to households 7% 6% 5% 4% 3% 2% 1% Method Interest rate calculation The interest rate fixation period is used as a breakdown of maturity for the loans. The maturity date refers to the original maturity date, i.e. a loan fixed for three years falls under the interval of 1 to 5 years right up until the end of the fixed term maturity, with the exception of interest for loans in table , which refers to remaining interest rate fixation period. Interest with maturity up to and including 3 months is considered as variable interest. As an example, suppose a bank provides loans of two types, at interest rates of 10 and 12 %, respectively, and the respective loan stocks are 120 and 50. The average rate of interest is then obtained as: (120/170)10 + (50/170)12 =10.6 %. Method In ember 2015, Sweden implemented a change of method for national weighted average interest. Interest rate statistics is based on a sample survey where the reporting population consists of MFIs institutions that are significant on loans and deposits of households and / or non-financial corporations. In order for the sample survey to be representative of the entire MFI population, and that the interest rate statistics should be comparable between countries, ECB advocates that all countries should adjust the MFI interest rates taking into account the different MFI strata. 3 month 1 5 yr > 5 yr Sweden is now following the ECB guidelines, and the methodology change is applied back to tember Interest rates for period ending stock and new agreements Reporting is done monthly and refers to the amount and interest rates for period ending stock and new agreements, concerning deposits and loans of Swedish non-financial corporations and households. Example: A household take a housing loan at SEK 1 million with 1 year fixation rate period at 4.7 % in March. In tember the household take an additional loan at SEK 0.5 million at a rate of 3.2 %. New agreements reported in March and tember will be 4.7 % and 3.2 %, respectively.there will be no reported new agreements for the other months. The interest rate for the period ending stock in March up to August will be 4.7 % and for tember it will be 4.2 % (assuming that no amortizations have occurred). This because the interest rate is a weighted average of the both outstanding loans. Page 1 (2)

54 New agreements refer to agreements that have been entered between the institutes and the customer during the month in question. These include all financial agreements where the terms and conditions that affect the interest are decided on for the first time and other agreements where renegotiations of terms and conditions or direct negotiations concerning existing deposits and loans result in new agreements. Changes in the variable interest rate (automatic adjustments) from the institutes are not considered as new agreements. As new agreements for loans counts the total outstanding amount for transaction and overnight accounts. This is first affecting the breakdowns all loans and consumer credit. The rate fixation loans are not affected. As new agreements for deposits counts the total outstanding amount for overnight account, transaction account and deposits redeemable at notice. This is first affecting the breakdown all loans. Loans for a specific purpose Loans to households are broken down by specific purpose for the loan, as credit for consumption, housing loans and other loans. In the new publication from tember 2010 and onwards the breakdown on the purpose of the loan has been modified. In the former calculation all loans to entrepreneurial households were counted as other loans. In the new calculation all households can have housing loans. Another change is that housing credit institutions can give consumer credits. The figures prior to tember 2010 has been updated with the new calculation. Consumer credits: Loans without collaterals and loans guaranteed by others than state government and local governments to households other than entrepreneurial households or nonprofit institutions serving households. Housing loans: Loans to households (entrepreneurial households and other households) where single-family dwellings, condominiums or tenant-owner apartments make up the collateral for the loan. No loans to non-profit institutions serving households are counted as housing loans. Other purposes: Loans to entrpreneurial households excluding housing loans and loans to other households with other collaterals than those mentioned above. All loans to non-profit institutions serving households are counted as other purposes. Chart 2: 3 month (floating rate), proportion of total lending 7% 6% 5% 4% 3% 2% 1% 0% month, vs 3 month (floating rate), proportion of total lending Chart 3: MFI:s' lending rates for housing loans, by purpose (percent) 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Consumption Housing Other 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Page 2 (2)

55 8.1 Lending rates to households for housing loans, breakdown by maturity Monetary financial institutions (MFI), new agreements Table 1: MFI:s' lending rates for housing loans, new agreements (percent) Households, housing loans All accounts b) Rate fixation c) of which 3 month 1-5 yr > 5 yr 3 month -1 yr incl. repos, 3 month 1-3 yr 3-5 yr transaction accounts etc 1-2 yr 2-3 yr Jan 1,83 1,63 1,60 1,58 1,73 1,65 1,66 1,65 2,01 2,61 1,85 Feb 1,79 1,60 1,57 1,61 1,72 1,63 1,65 1,63 2,01 2,42 1,80 Mar 1,77 1,61 1,59 1,62 1,71 1,64 1,65 1,64 1,98 2,54 1,78 Apr 1,77 1,61 1,58 1,61 1,72 1,65 1,64 1,65 1,98 2,43 1,78 Maj 1,74 1,60 1,58 1,58 1,70 1,62 1,62 1,62 2,00 2,50 1,74 Jun 1,74 1,62 1,60 1,60 1,72 1,65 1,65 1,66 2,00 2,52 1,75 Jul 1,79 1,61 1,59 1,58 1,72 1,65 1,62 1,66 1,98 2,28 1,80 Aug 1,76 1,59 1,58 1,60 1,70 1,63 1,61 1,63 1,93 2,35 1, Monetary financial institutions (MFI), outstanding agreements Table 1: MFI:s' lending rates for housing loans, outstanding agreements (percent) Households, housing loans All accounts b) Rate fixation c) Cons- of which truction- 3 month 3 month 1-5 yr > 5 yr -1 yr credits and otter incl. repos, 3 month 1-3 yr 3-5 yr creditaccounts transaction accounts etc 1-2 yr 2-3 yr Jan 1,85 1,85 1,56 1,52 2,41 2,11 1,99 2,15 2,84 4,09 2,59 1,57 Feb 1,85 1,84 1,57 1,51 2,38 2,08 1,96 2,12 2,81 4,07 2,54 1,58 Mar 1,83 1,82 1,56 1,51 2,34 2,03 1,90 2,07 2,78 4,04 2,46 1,57 Apr 1,81 1,81 1,56 1,51 2,30 1,99 1,86 2,03 2,74 4,01 2,44 1,57 Maj 1,81 1,80 1,56 1,51 2,28 1,97 1,83 2,01 2,72 3,99 2,43 1,57 Jun 1,80 1,79 1,58 1,52 2,22 1,91 1,78 1,95 2,67 3,95 2,42 1,59 Jul 1,80 1,79 1,58 1,53 2,21 1,89 1,76 1,93 2,66 3,93 2,42 1,59 Aug 1,79 1,79 1,58 1,53 2,18 1,86 1,73 1,90 2,64 3,92 2,42 1, Lending rates to households, breakdown by purpose Monetary financial institutions (MFI), banks and housing credit institutions, new agreements Table 1: Lending rates to households, new agreements (percent) MFI Banks Housing credit institutions All accounts b) All accounts b) All accounts b) Consumption Housing Entrepreneurial Other Other Consumption Housing Other Consumption Housing Other households households Jan 2,90 5,08 1,83 1,89 1,81 2,84 3,27 4,98 2,06 2,97 1,62.. 1,62 1,45 Feb 2,89 5,14 1,79 1,87 1,77 2,88 3,26 5,06 2,01 3,00 1,58.. 1,59 1,43 Mar 2,74 5,12 1,77 1,86 1,75 2,70 3,14 5,01 1,96 2,82 1,61.. 1,62 1,38 Apr 2,70 4,91 1,77 1,85 1,76 2,46 2,98 4,83 1,94 2,53 1,60.. 1,61 1,39 Maj 2,67 4,79 1,74 1,82 1,73 2,88 3,03 4,67 1,90 2,99 1,58.. 1,59 1,43 Jun 2,55 4,68 1,74 1,81 1,73 2,59 2,89 4,52 1,90 2,70 1,61.. 1,62 1,36 Jul 2,75 4,71 1,79 1,88 1,77 2,73 3,05 4,58 1,96 2,83 1,60.. 1,61 1,32 Aug 2,79 4,78 1,76 1,87 1,74 2,92 3,13 4,69 1,96 2,98 1,58.. 1,59 1, Monetary financial institutions (MFI), banks and housing credit institutions, outstanding agreements Table 1: Lending rates to households, outstanding agreements (percent) MFI Banks Housing credit institutions All accounts b) All accounts b) All accounts b) Consumption Housing Entrepreneurial Other Other Consumption Housing Other Consumption Housing Other households households Jan 2,11 5,08 1,85 1,88 1,85 2,46 2,13 5,10 1,58 2,58 1,95.. 1,94 2,02 Feb 2,10 5,09 1,85 1,87 1,84 2,44 2,11 5,10 1,58 2,55 1,94.. 1,94 2,02 Mar 2,07 5,04 1,83 1,86 1,82 2,42 2,08 5,04 1,55 2,53 1,93.. 1,92 2,00 Apr 2,06 4,99 1,81 1,84 1,81 2,39 2,08 4,99 1,56 2,51 1,90.. 1,90 1,98 Maj 2,05 4,93 1,81 1,84 1,80 2,39 2,07 4,93 1,56 2,50 1,90.. 1,89 1,97 Jun 2,04 4,89 1,80 1,83 1,79 2,38 2,07 4,88 1,57 2,50 1,88.. 1,88 1,95 Jul 2,03 4,86 1,80 1,83 1,79 2,37 2,07 4,85 1,57 2,48 1,88.. 1,87 1,95 Aug 2,04 4,97 1,79 1,83 1,78 2,40 2,07 4,90 1,57 2,48 1,87.. 1,87 1,94

56 8.3 Lending rates to non-financial corporations and households Monetary financial institutions (MFI), new agreements Table 1: MFI:s' lending rates, new agreements (percent) Swedish non-financial corporations and households Non-financial corporations All accounts b) Rate fixation c) All accounts b) Rate fixation c) of which 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month -1 yr -1 yr incl. repos, 3 month 3 month transaction accounts etc Jan 2,04 1,62 1,61 1,50 1,71 2,22 1,53 1,42 1,38 1,48 1,65 1,95 1,52 Feb 2,11 1,70 1,74 1,47 1,65 2,40 1,55 1,49 1,48 1,47 1,49 2,44 1,56 Mar 1,98 1,59 1,63 1,30 1,65 2,05 1,51 1,39 1,40 1,28 1,56 1,93 1,53 Apr 1,98 1,61 1,65 1,23 1,55 1,95 1,49 1,41 1,39 1,29 1,67 1,77 1,50 Maj 1,98 1,67 1,68 1,46 1,66 2,09 1,45 1,38 1,33 1,45 1,60 2,02 1,44 Jun 1,83 1,53 1,56 1,35 1,56 1,89 1,39 1,31 1,28 1,34 1,41 1,80 1,39 Jul 1,97 1,64 1,70 1,45 1,51 1,62 1,48 1,43 1,44 1,44 1,28 1,43 1,49 Aug 2,00 1,62 1,65 1,39 1,55 1,74 1,43 1,27 1,23 1,37 1,32 1,25 1,44 Table 1: MFI:s' lending rates, new agreements (percent), continued Households Entrepreneurial households and NPISH Other households All accounts b) Rate fixation c) All accounts b) Rate fixation c) All accountsb) Rate fixation c) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr -1 yr 3 month 3 month 3 month Jan 2,90 1,90 1,94 1,64 1,75 2,61 2,63 1,76 1,75 1,72 1,81 2,69 2,96 1,94 1,98 1,60 1,74 2,57 Feb 2,89 1,89 1,93 1,49 1,75 2,28 2,64 1,74 1,77 1,32 1,77 2,10 2,95 1,93 1,96 1,61 1,75 2,40 Mar 2,74 1,85 1,89 1,50 1,72 2,51 2,44 1,65 1,66 1,28 1,74 2,51 2,81 1,91 1,95 1,63 1,71 2,51 Apr 2,70 1,83 1,94 1,02 1,47 2,09 2,52 1,75 1,77 1,48 1,74 2,29 2,74 1,85 1,99 0,87 1,41 2,07 Maj 2,67 1,88 1,91 1,54 1,71 2,36 2,53 1,77 1,79 1,38 1,74 2,16 2,71 1,91 1,94 1,63 1,70 2,46 Jun 2,55 1,84 1,87 1,51 1,70 2,42 2,32 1,64 1,67 1,32 1,58 2,31 2,61 1,89 1,92 1,60 1,73 2,48 Jul 2,75 1,90 1,94 1,59 1,71 2,26 2,52 1,73 1,76 1,57 1,65 2,21 2,81 1,94 1,98 1,61 1,73 2,28 Aug 2,79 1,91 1,93 1,54 1,76 2,43 2,66 1,80 1,81 1,39 1,80 2,80 2,82 1,94 1,96 1,61 1,75 2, Banks, new agreements Table 1: Banks' lending rates, new agreements (percent) Swedish non-financial corporations and households Non-financial corporations All accounts b) Rate fixation c) All accounts b) Rate fixation c) of which 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month -1 yr -1 yr incl. rep.agr., 3 month 3 month transaction accounts etc Jan 1,93 1,68 1,69 1,51 2,00 2,33 1,59 1,55 1,54 1,50 2,06 2,53 1,59 Feb 1,97 1,78 1,86 1,50 1,81 2,70 1,59 1,61 1,63 1,50 1,86 3,10 1,60 Mar 1,89 1,63 1,72 1,30 1,90 2,52 1,58 1,51 1,57 1,29 1,96 2,78 1,61 Apr 1,86 1,64 1,71 1,22 1,58 2,11 1,54 1,51 1,51 1,30 1,90 2,39 1,55 Maj 1,86 1,73 1,77 1,47 1,80 2,38 1,49 1,51 1,47 1,47 1,87 2,55 1,48 Jun 1,76 1,59 1,66 1,36 1,66 2,41 1,47 1,46 1,49 1,36 1,70 2,58 1,49 Jul 1,83 1,66 1,73 1,46 1,59 2,24 1,52 1,51 1,53 1,45 1,57 2,41 1,52 Aug 1,85 1,63 1,66 1,42 1,80 2,47 1,48 1,38 1,32 1,42 1,87 2,68 1,47 Table 1: Banks' lending rates, new agreements (percent), continued Households Entrepreneurial households and NPISH Other households All accounts b) Rate fixation c) All accounts b) Rate fixation c) All accounts b) Rate fixation c) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr -1 yr 3 month 3 month 3 month Jan 3,27 2,26 2,32 1,65 1,89 2,21 2,98 1,92 1,92 1,72 2,04 2,50 3,39 2,40 2,48 1,59 1,78 2,00 Feb 3,26 2,24 2,35 1,41 1,74 1,83 3,01 1,89 2,01 1,28 1,85 1,89 3,35 2,36 2,46 1,56 1,70 1,78 Mar 3,14 2,14 2,21 1,40 1,76 1,90 2,78 1,71 1,74 1,19 1,85 2,10 3,28 2,33 2,40 1,64 1,71 1,82 Apr 2,98 2,03 2,31 0,81 1,09 1,93 2,83 1,89 1,96 1,42 1,74 2,08 3,03 2,07 2,42 0,59 0,84 1,84 Maj 3,03 2,20 2,28 1,47 1,68 1,73 2,92 1,98 2,06 1,34 1,69 1,71 3,06 2,26 2,33 1,58 1,68 1,75 Jun 2,89 2,09 2,18 1,35 1,57 1,93 2,60 1,67 1,77 1,17 1,39 1,99 3,00 2,25 2,33 1,53 1,68 1,88 Jul 3,05 2,21 2,32 1,52 1,62 1,95 2,81 1,88 2,00 1,51 1,56 2,07 3,13 2,34 2,42 1,55 1,66 1,90 Aug 3,13 2,26 2,35 1,48 1,67 1,85 2,99 1,99 2,09 1,32 1,77 1,80 3,17 2,33 2,42 1,60 1,64 1, Housing credit institutions, new agreements Table 1: Housing credit institutions' lending rates, new agreements (percent) Swedish non-financial corporations and households Non-financial corporations All accounts b) All accounts b) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr 3 month 3 month Jan 1,49 1,44 1,48 1,65 2,69 0,99 0,79 1,11 1,44 2,46 Feb 1,51 1,48 1,31 1,64 2,44 1,04 0,87 0,84 1,35 2,26 Mar 1,49 1,46 1,38 1,59 2,42 1,02 0,81 1,04 1,35 2,16 Apr 1,51 1,46 1,47 1,66 2,49 1,05 0,85 1,14 1,44 2,24 Maj 1,51 1,48 1,36 1,63 2,53 0,99 0,85 0,96 1,30 2,33 Jun 1,48 1,44 1,41 1,61 2,40 1,04 0,86 0,99 1,35 2,23 Jul 1,52 1,50 1,37 1,64 2,29 0,99 0,87 0,91 1,28 1,98 Aug 1,54 1,52 1,43 1,63 2,38 1,08 1,01 0,96 1,24 2,06 Table 1: Housing credit institutions' lending rates, new agreements (percent), continued Households Entrepreneurial households and NPISH Other households All accounts b) All accounts b) All accounts b) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr -1 yr 3 month 3 month 3 month Jan 1,62 1,58 1,61 1,72 2,81 1,59 1,54 1,63 1,71 2,90 1,62 1,59 1,60 1,72 2,79 Feb 1,58 1,55 1,60 1,72 2,83 1,55 1,53 1,42 1,71 2,99 1,59 1,56 1,65 1,73 2,79 Mar 1,61 1,58 1,58 1,70 2,88 1,56 1,53 1,46 1,68 2,92 1,62 1,59 1,61 1,71 2,87 Apr 1,60 1,57 1,63 1,73 2,81 1,56 1,52 1,63 1,72 2,83 1,61 1,57 1,63 1,73 2,80 Maj 1,58 1,56 1,63 1,71 2,80 1,56 1,53 1,57 1,73 2,95 1,59 1,57 1,64 1,71 2,77 Jun 1,61 1,57 1,62 1,72 2,73 1,56 1,52 1,58 1,71 2,72 1,61 1,59 1,62 1,72 2,73 Jul 1,60 1,57 1,63 1,73 2,54 1,53 1,50 1,60 1,72 2,54 1,61 1,59 1,64 1,74 2,54 Aug 1,58 1,56 1,61 1,71 2,64 1,56 1,53 1,63 1,72 2,96 1,59 1,57 1,60 1,71 2,60

57 8.3.4 Monetary financial institutions (MFI), outstanding agreements Table 1: MFI:s' lending rates, outstanding agreements (percent) Swedish non-financial corporations and households Non-financial corporations All accounts b) Rate fixation c) Transaction All accounts b) Rate fixation c) Transaction of which 3 month 1-5 yr > 5 yr f) accounts d) 3 month 1-5 yr > 5 yr f) accounts d) 3 month -1 yr -1 yr incl. rep.agr., 3 month 3 month transaction accounts etc Jan 1,94 1,91 1,70 1,37 2,36 3,67 2,48 1,63 1,63 1,33 1,30 2,24 3,29 1,65 1,37 Feb 1,94 1,91 1,71 1,39 2,33 3,66 2,48 1,64 1,65 1,37 1,34 2,21 3,28 1,63 1,40 Mar 1,92 1,89 1,69 1,37 2,28 3,62 2,48 1,63 1,63 1,35 1,32 2,15 3,24 1,66 1,39 Apr 1,90 1,87 1,69 1,35 2,25 3,58 2,41 1,60 1,60 1,34 1,30 2,11 3,20 1,61 1,37 Maj 1,89 1,87 1,69 1,36 2,23 3,56 2,35 1,60 1,60 1,35 1,31 2,08 3,18 1,56 1,37 Jun 1,88 1,86 1,70 1,36 2,17 3,51 2,32 1,58 1,59 1,35 1,31 2,02 3,13 1,56 1,37 Jul 1,87 1,85 1,70 1,40 2,14 3,50 2,30 1,57 1,58 1,34 1,37 1,99 3,11 1,55 1,36 Aug 1,87 1,85 1,70 1,40 2,12 3,49 2,34 1,56 1,57 1,32 1,37 1,97 3,09 1,56 1,36 Table 1: MFI:s' lending rates, outstanding agreements (percent), continued Households Entrepreneurial households and NPISH Other households All accountsb) Rate fixation c) Transaction All accountsb) Rate fixation c) Transaction All accountsb) Rate fixation c) Transaction accounts d) accounts d) accounts d) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr -1 yr 3 month 3 month 3 month Jan 2,11 2,05 1,87 1,53 2,42 4,10 4,07 2,07 2,03 1,80 1,56 2,51 4,15 3,75 2,12 2,06 1,89 1,53 2,39 4,09 4,14 Feb 2,10 2,04 1,87 1,52 2,39 4,09 4,11 2,06 2,01 1,79 1,52 2,49 4,14 3,77 2,11 2,05 1,89 1,52 2,37 4,07 4,19 Mar 2,07 2,02 1,85 1,51 2,34 4,05 4,08 2,04 2,00 1,79 1,50 2,44 4,10 3,74 2,08 2,02 1,87 1,52 2,32 4,03 4,16 Apr 2,06 2,00 1,85 1,45 2,31 4,02 3,98 2,03 1,99 1,79 1,49 2,40 4,07 3,65 2,07 2,01 1,86 1,43 2,29 4,01 4,06 Maj 2,05 2,00 1,85 1,46 2,29 4,01 3,91 2,02 1,98 1,79 1,52 2,38 4,05 3,62 2,06 2,00 1,86 1,44 2,27 3,99 3,97 Jun 2,04 1,99 1,86 1,50 2,23 3,97 3,83 2,01 1,97 1,80 1,50 2,32 4,01 3,58 2,05 2,00 1,87 1,51 2,21 3,95 3,89 Jul 2,03 1,99 1,86 1,52 2,22 3,97 3,78 2,00 1,96 1,80 1,52 2,29 3,99 3,52 2,04 1,99 1,87 1,51 2,20 3,97 3,85 Aug 2,04 1,99 1,87 1,52 2,19 3,96 3,88 2,01 1,97 1,81 1,51 2,28 3,98 3,58 2,05 1,99 1,88 1,52 2,17 3,95 3, Banks, outstanding agreements Table 1: Banks' lending rates, outstanding agreements (percent) Swedish non-financial corporations and households Non-financial corporations All accounts b) Rate fixation c) Transaction All accounts b) Rate fixation c) Transaction of which 3 month 1-5 yr > 5 yr f) accounts d) 3 month 1-5 yr > 5 yr f) accounts d) 3 month -1 yr -1 yr incl. rep.agr., 3 month 3 month transaction accounts etc Jan 1,88 1,85 1,79 1,40 2,24 3,48 2,13 1,64 1,64 1,58 1,38 2,32 3,52 1,65 1,59 Feb 1,86 1,84 1,78 1,43 2,21 3,47 2,12 1,63 1,64 1,57 1,42 2,28 3,53 1,64 1,58 Mar 1,85 1,81 1,77 1,41 2,16 3,43 2,14 1,63 1,63 1,57 1,39 2,22 3,50 1,67 1,59 Apr 1,84 1,81 1,77 1,36 2,15 3,42 2,08 1,62 1,62 1,57 1,37 2,18 3,48 1,61 1,57 Maj 1,83 1,81 1,77 1,38 2,13 3,40 2,02 1,61 1,62 1,57 1,38 2,14 3,47 1,57 1,56 Jun 1,82 1,81 1,78 1,38 2,06 3,34 2,00 1,60 1,62 1,58 1,37 2,05 3,39 1,57 1,56 Jul 1,82 1,81 1,78 1,43 2,03 3,30 1,98 1,60 1,61 1,57 1,43 1,99 3,34 1,56 1,56 Aug 1,82 1,80 1,78 1,43 2,01 3,29 2,01 1,60 1,61 1,57 1,43 1,97 3,35 1,57 1,56 Table 1: Banks' lending rates, outstanding agreements (percent), continued Households Entrepreneurial households and NPISH Other households All accounts b) Rate fixation c) Transaction All accountsb) Rate fixation c) Transaction All accounts b) Rate fixation c) Transaction accounts d) accounts d) accounts d) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr -1 yr 3 month 3 month 3 month Jan 2,13 2,04 1,99 1,56 2,20 3,46 3,90 2,15 2,07 1,96 1,62 2,45 3,93 3,70 2,12 2,03 2,00 1,52 2,11 3,29 3,97 Feb 2,11 2,03 1,98 1,52 2,17 3,43 3,95 2,13 2,04 1,94 1,55 2,42 3,91 3,73 2,11 2,02 1,99 1,50 2,08 3,26 4,04 Mar 2,08 1,99 1,95 1,50 2,12 3,38 3,91 2,11 2,03 1,93 1,51 2,38 3,86 3,69 2,07 1,98 1,95 1,49 2,03 3,21 3,98 Apr 2,08 1,99 1,95 1,34 2,14 3,37 3,81 2,10 2,02 1,93 1,48 2,35 3,80 3,60 2,07 1,99 1,96 1,24 2,07 3,23 3,89 Maj 2,07 1,99 1,95 1,37 2,12 3,35 3,74 2,09 2,01 1,92 1,55 2,33 3,78 3,58 2,06 1,98 1,96 1,25 2,04 3,21 3,80 Jun 2,07 2,00 1,97 1,44 2,07 3,30 3,65 2,09 2,01 1,93 1,49 2,27 3,74 3,53 2,07 1,99 1,98 1,41 2,00 3,15 3,69 Jul 2,07 1,99 1,97 1,46 2,05 3,27 3,61 2,07 2,00 1,93 1,52 2,22 3,69 3,47 2,07 1,99 1,98 1,41 1,98 3,13 3,66 Aug 2,07 1,99 1,96 1,47 2,03 3,25 3,70 2,07 1,99 1,93 1,51 2,22 3,67 3,52 2,06 1,98 1,97 1,43 1,96 3,11 3, Housing credit institutions, outstanding agreements Table 1: Housing credit institutions' lending rates, outstanding agreements (percent) Swedish non-financial corporations and households Non-financial corporations All accounts b) All accounts b) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr 3 month 3 month Jan 1,91 1,52 1,34 2,43 4,03 1,77 0,94 0,97 2,32 3,72 Feb 1,90 1,53 1,32 2,40 4,01 1,76 0,94 0,93 2,29 3,69 Mar 1,89 1,53 1,31 2,35 3,99 1,72 0,93 0,93 2,23 3,66 Apr 1,86 1,52 1,32 2,31 3,95 1,69 0,91 0,94 2,20 3,61 Maj 1,86 1,53 1,32 2,29 3,93 1,69 0,92 0,94 2,17 3,58 Jun 1,84 1,54 1,32 2,23 3,88 1,66 0,93 0,93 2,10 3,54 Jul 1,83 1,54 1,31 2,21 3,87 1,65 0,91 0,90 2,09 3,53 Aug 1,82 1,54 1,31 2,19 3,86 1,63 0,90 0,90 2,07 3,51 Table 1: Housing credit institutions' lending rates, outstanding agreements (percent), continued Households Entrepreneurial households and NPISH Other households All accounts b) All accounts b) All accounts b) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) 3 month 1-5 yr > 5 yr f) -1 yr -1 yr -1 yr 3 month 3 month 3 month Jan 1,95 1,63 1,52 2,47 4,30 1,96 1,62 1,50 2,53 4,24 1,95 1,63 1,53 2,45 4,32 Feb 1,94 1,63 1,51 2,44 4,28 1,96 1,62 1,48 2,51 4,23 1,94 1,63 1,52 2,42 4,30 Mar 1,93 1,63 1,51 2,40 4,26 1,94 1,62 1,48 2,47 4,21 1,92 1,63 1,52 2,38 4,28 Apr 1,90 1,63 1,52 2,35 4,24 1,92 1,62 1,49 2,42 4,19 1,90 1,63 1,52 2,33 4,25 Maj 1,90 1,63 1,52 2,33 4,22 1,91 1,62 1,49 2,40 4,17 1,89 1,63 1,52 2,31 4,24 Jun 1,88 1,64 1,53 2,27 4,19 1,90 1,63 1,48 2,34 4,14 1,88 1,64 1,54 2,26 4,20 Jul 1,88 1,64 1,54 2,26 4,18 1,90 1,63 1,50 2,32 4,13 1,87 1,64 1,55 2,24 4,19 Aug 1,87 1,64 1,54 2,23 4,16 1,89 1,63 1,50 2,30 4,12 1,87 1,64 1,55 2,22 4,18

58 8.4 Lending rates, breakdown by remaining maturity Monetary financial institutions (MFI) Table 1: MFI:s' lending rates, breakdown by remaining maturity (percent) Swedish non-financial corporations Non-financial corporations Households and households All accounts t.o.m. 3 month All accounts t.o.m. All accounts 1-2 yr > 2 yr 3 month 1-2 yr > 2 yr t.o.m. 3 month 1-2 yr > 2 yr b) 3 month -1 yr b) 3 month -1 yr b) 3 month -1 yr Jan 1,94 1,77 2,51 2,58 2,31 1,63 1,38 2,38 2,49 2,28 2,11 1,98 2,59 2,62 2,32 Feb 1,94 1,78 2,48 2,55 2,25 1,64 1,42 2,29 2,47 2,18 2,10 1,97 2,59 2,58 2,30 Mar 1,92 1,77 2,36 2,50 2,21 1,63 1,42 2,09 2,47 2,11 2,07 1,96 2,54 2,51 2,27 Apr 1,90 1,75 2,41 2,45 2,16 1,60 1,40 2,21 2,43 2,02 2,06 1,95 2,52 2,46 2,24 Maj 1,89 1,75 2,39 2,43 2,14 1,60 1,40 2,20 2,40 2,00 2,05 1,94 2,49 2,44 2,22 Jun 1,88 1,75 2,28 2,34 2,12 1,58 1,40 1,99 2,32 1,97 2,04 1,94 2,49 2,35 2,21 Jul 1,87 1,75 2,32 2,32 2,10 1,57 1,40 2,09 2,31 1,96 2,03 1,95 2,47 2,33 2,19 Aug 1,87 1,76 2,31 2,28 2,08 1,56 1,39 2,09 2,22 1,93 2,04 1,96 2,47 2,30 2, Banks Table 1: Banks' lending rates, breakdown by remaining maturity (percent) Swedish non-financial corporations Non-financial corporations Households and households All accounts 3 month 3 month All accounts 3 month All accounts 1-2 yr > 2 yr 3 month 1-2 yr > 2 yr 3 month 3 month 1-2 yr > 2 yr b) -1 yr b) -1 yr b) -1 yr Jan 1,88 1,81 2,02 2,17 2,67 1,64 1,56 1,97 2,19 2,78 2,13 2,09 2,07 2,16 2,61 Feb 1,86 1,80 1,95 2,16 2,65 1,63 1,56 1,86 2,17 2,76 2,11 2,08 2,04 2,15 2,58 Mar 1,85 1,79 1,78 2,23 2,64 1,63 1,57 1,64 2,36 2,74 2,08 2,04 2,00 2,17 2,58 Apr 1,84 1,78 1,79 2,23 2,59 1,62 1,55 1,69 2,32 2,61 2,08 2,04 1,89 2,19 2,57 Maj 1,83 1,77 1,78 2,21 2,58 1,61 1,54 1,69 2,29 2,62 2,07 2,04 1,88 2,18 2,56 Jun 1,82 1,77 1,70 2,19 2,53 1,60 1,54 1,56 2,25 2,50 2,07 2,04 1,91 2,16 2,55 Jul 1,82 1,76 1,77 2,17 2,50 1,60 1,53 1,66 2,23 2,44 2,07 2,03 1,91 2,15 2,54 Aug 1,82 1,76 1,76 2,17 2,49 1,60 1,53 1,64 2,21 2,42 2,07 2,03 1,92 2,14 2, Housing credit institutions Table 1: Housing credit institutions' lending rates, breakdown by remaining maturity (percent) Swedish non-financial corporations Non-financial corporations Households and households All accounts 3 month 3 month All accounts 3 month All accounts 1-2 yr > 2 yr 3 month 1-2 yr > 2 yr 3 month 3 month 1-2 yr > 2 yr b) -1 yr b) -1 yr b) -1 yr Jan 1,91 1,59 2,74 2,72 2,24 1,77 1,09 2,73 2,67 2,22 1,95 1,68 2,74 2,74 2,25 Feb 1,90 1,59 2,73 2,69 2,22 1,76 1,07 2,68 2,65 2,19 1,94 1,68 2,75 2,70 2,23 Mar 1,89 1,60 2,69 2,59 2,18 1,72 1,08 2,62 2,58 2,13 1,93 1,69 2,71 2,60 2,20 Apr 1,86 1,57 2,70 2,53 2,14 1,69 1,03 2,64 2,54 2,09 1,90 1,67 2,73 2,53 2,16 Maj 1,86 1,58 2,67 2,52 2,12 1,69 1,03 2,60 2,51 2,08 1,90 1,67 2,70 2,52 2,14 Jun 1,84 1,58 2,64 2,41 2,09 1,66 1,05 2,53 2,43 2,02 1,88 1,68 2,69 2,40 2,12 Jul 1,83 1,59 2,63 2,39 2,07 1,65 1,06 2,51 2,42 2,01 1,88 1,69 2,68 2,38 2,10 Aug 1,82 1,59 2,63 2,35 2,06 1,63 1,05 2,48 2,39 2,00 1,87 1,69 2,69 2,34 2,09

59 8.5 Deposit rates, breakdown by maturity Banks, new agreements Table 1: Banks' deposit rates, new agreements (percent) Swedish non-financial Non-financial corporations Households e) corporations and households With With All With Of which All accounts b) condition c) All accounts b) condition c) accounts b) condition c) Agreed maturity 2 years > 2 years Jan 0,06 0,11 0,04 0,06 0,08 0,11 0,24 0,23 0,81 Feb 0,06 0,11 0,03 0,14 0,08 0,11 0,21 0,21 0,67 Mar 0,06 0,11 0,03 0,17 0,08 0,10 0,24 0,24 0,68 Apr 0,06 0,11 0,04 0,11 0,08 0,11 0,24 0,24 0,67 Maj 0,06 0,10 0,02 0,06 0,08 0,10 0,21 0,21 0,58 Jun 0,05 0,09 0,02 0,04 0,07 0,09 0,20 0,20 0,51 Jul 0,05 0,09 0,02 0,09 0,07 0,09 0,18 0,18 0,43 Aug 0,05 0,09 0,02 0,12 0,07 0,08 0,14 0,13 0, Banks, outstanding agreements Table 1: Banks' deposit rates, outstanding agreements (percent) Swedish non-financial corporations and households Non-financial corporations Households e) On On With On demand- With demand- With Of which demand- All accounts b) condition c) deposit All accounts b) condition c) deposit All accounts b) condition c) Agreed maturity 2 years > 2 years deposit Jan 0,09 0,22 0,06 0,04 0,17 0,04 0,11 0,23 0,27 0,22 1,80 0,08 Feb 0,09 0,22 0,06 0,04 0,17 0,03 0,11 0,22 0,26 0,22 1,76 0,07 Mar 0,08 0,21 0,06 0,04 0,16 0,03 0,11 0,21 0,25 0,21 1,69 0,07 Apr 0,08 0,20 0,06 0,04 0,14 0,03 0,10 0,20 0,24 0,20 1,63 0,07 Maj 0,08 0,19 0,05 0,03 0,14 0,02 0,10 0,20 0,23 0,19 1,59 0,07 Jun 0,07 0,18 0,05 0,03 0,10 0,02 0,10 0,19 0,22 0,18 1,54 0,07 Jul 0,07 0,17 0,05 0,02 0,09 0,02 0,09 0,18 0,21 0,18 1,48 0,07 Aug 0,07 0,16 0,05 0,02 0,09 0,02 0,09 0,17 0,20 0,17 1,42 0,07

60 9. Claims and liabilities outside Sweden This part is based on two forms of data collection, that in different ways show the institutes claims and liabilities outside Sweden, RUTS. The collection is based on quarterly basis and the publication is updated two months after the quarter. Swedish based MFIs' claims and liabilities outside Sweden The first part show foreign activities by MFIs located in Sweden, which mean that both Swedish MFIs and branches to foreign MFIs located in Sweden are included. The delimitation for this reporting is the economical residence for the institutes, which means that the calculation exclude claims and liabilities held by Swedish MFIs branches outside of Sweden but includes balances with own branches. The breakdown of external claims and liabilities by MFIs located in Sweden are both on instrument level and on the counterparts, foreign total, foreign MFI and foreign non- MFI. Chart 1: Swedish based MFI:s' claims Million of SEK USA Norway Other EU countries Baltic states United Kingdom Germany Finland Denmark Year Swedish owned MFIs' consolidated claims outside Sweden The second part shows Swedish owned MFIs' consolidated claims outside Sweden. The claims includes claims by Swedish owned MFIs' subsidiary banks and branches located abroad. In previous publication only cross border claims was included whereas now the total consolidated claims vis-à-vis other countries are shown. The breakdown of claims are shown for consolidated foreign claims (immediate borrower basis) and claims on an ultimate risk basis. Example on the difference between consolidated foreign claims and claims on ultimate risk basis: A Swedish bank has lending to a corporation in Japan where the loan are guaranteed by an English bank. Consolidated foreign claims in table (table 1) will in this case be towards Japan while claims on ultimate risk basis in table (table 1) will be towards MFIs in the UK. If the Japanese corporation instead guarantee the loan with US government securities treasuries as collateral the ultimate risk claims will instead be towards public sector in the US. Because ultimate risk for external claims can be allocated to Sweden and the ultimate risk for domestic claims can be allocated to other countries total claims in table may differ from total claims in table Page 1 (3)

61 Chart 2: Swedish owned monetary financial institutions' (MFI:s') consolidated claims, ultimate risk basis, by sector Unallocated MFI:s 0% 11% Non financial corporations 28% Public sector 29% Households 21% Non MFI/bank financial institutions 11% Chart 3: Swedish owned MFI:s' consolidated claims on ultimate risk basis by country and sector, latest period (SEK millions) Million of SEK Unallocated Non financial corporations Households Non MFI/bank financial institutions Public sector MFI:s 0 Denmark Finland Germany United Kingdom Baltic states Other EU countries Norway USA Page 2 (3)

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