Sweden’s central bank said that the country’s largest banks should continue to cut their structural liquidity risks and make sure they have enough capital to cope with future losses, Bloomberg reports.

“The fact that household indebtedness is high and rising poses significant risks to the stability of the financial system and the real economy,” the bank said. “The size and concentration of the Swedish banking sector, as well as the banks’ extensive use of short-term market funding, create vulnerabilities that may have a negative impact on financial stability.”