Swedbank's capitalisation will ensure it can withstand a stressed scenario from a solidity perspective and that it has access to competitive capital market funding. Low risk and a high earning capacity mean lower capital requirements, and vice versa.

We conduct stress tests to identify the potential effects of possible, though unlikely, negative scenarios and to assess whether the capital buffer is satisfactory at any given point in time.

Reports from the SFSA and the Riksbank reaffirmed Swedbank’s strong capital situation, as did the comprehensive stress test of all major banks within the EU conducted during 2014.