All published material

Here you can find everything that has been published in different news lists on www.fi.se.

2018

Swedish loans for consumption

Most loans for consumption are small and have a high effective interest rate and a short maturity. Households with large loans represent the largest share of new lending, though, and the large loan segment is growing the fastest. Households with high income have the largest loans. Borrowers with mortgages normally have larger consumption loans than borrowers without mortgages. These are some of the results from FI’s mapping of consumption loans, Swedish Consumption Loans 2018.

Förlängt underhåll och driftstörningar i TRS 2 Produktion

2018-06-08 | News Reporting Markets

On Friday, 8 June, the TRS 2 production environment will still be closed for maintenance.

Operational disruption in TRS 2 Production

2018-06-07 | News Reporting Markets

On Thursday, 7 June, the TRS 2 production environment will be closed for maintenance.

Stability in the Financial System

The Swedish economy continues to be strong, and resilience in the financial system is satisfactory. However, a long period of low interest rates and strong growth has resulted in an elevated risk appetite, high asset prices and high debt globally, among Swedish households and on the commercial real estate market. The high level of indebtedness makes the financial sector more sensitive to shocks, and, if necessary, FI will take additional measures to strengthen the resilience.

Risks can build up when the economy is strong

The Swedish economy continues to be strong, and resilience in the financial system is satisfactory. However, a long period of low interest rates and strong growth has resulted in an elevated risk appetite, high asset prices and high debt. This makes the financial sector more sensitive to shocks, writes Finansinspektionen (FI) in the first Stability Report of the year, which is being presented today.

EU notification regarding changed method for the application of the risk weight floor for Swedish mortgages

2018-05-25 | ESRB Mortgage EBA

Finansinspektionen has notified the European Parliament, the EU Council, the European Commission, the ESRB and EBA on the intended measure to change the method for the application of the risk weight floor for Swedish mortgages under Article 458 of the CRR.

Capital requirements of Swedish banks as of the first quarter 2018

Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to the supervisory categories 1 and 2 as of the end of the first quarter 2018.

Major upcoming changes to banks’ credit risk modelling

The regulatory and supervisory frameworks for banks’ internal rating based (IRB) approaches will be significantly adjusted over the coming years. The overall objective is to increase the robustness of capital requirements and ensure consistency across banks. Well-functioning IRB models are key to the capital assessment of the larger Swedish banks and hence a supervisory priority for FI.

Operational disruption in TRS 2 Production

2018-05-02 | News Reporting Markets

On Thursday, 3 May, the TRS 2 production environment will experience operational disruptions due to an upgrade to a new system version.

Decision regarding the countercyclical buffer rate

Finansinspektionen (FI) decided on 26 April not to change the countercyclical buffer rate. The buffer rate of two per cent, which has applied since 19 March 2017, shall thus continue to apply. The countercyclical buffer guide is set at 0 per cent.

Solidar Fonder AB receives a warning and an administrative fine

2018-04-18 | Press releases Markets

Finansinspektionen (FI) is issuing Solidar Fonder AB (Solidar) a warning. The company must also pay an administrative fine of SEK 10 million.

TRS 2 closed for maintenance

2018-04-12 | News Reporting MiFID

On Friday,13 April, TRS 2 will be closed for maintenance.

FI Supervision 1: Experiences from supervision of money laundering activities 2016–2017

It is FI’s assessment that firms in general have a greater awareness of the regulations than in previous investigations and are committing more resources to their work to prevent money laundering. But more needs to be done.

FI Play

2018-04-05

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Households continue to take on large mortgages

Household debt is continuing to rise. The number of new mortgagors with a high level of debt in relation to their income or the value of their home continues to be high. These are the conclusions drawn by Finansinspektionen (FI) from this year’s mortgage survey, which is being presented today. FI also highlights how tenant-owner associations’ debt increases the risks for households.

FI-analysis 12: The mortgage cap reduced household debt

This FI Analysis presents an assessment of the Swedish mortgage cap. The analysis indicates that the mortgage cap has changed household behaviour. Households with new mortgages borrow less than what they would have done if FI had not implemented the mortgage cap. They are also buying less expensive homes.

The Swedish Mortgage Market

Finansinspektionen (FI) follows the development of household debt on an ongoing basis. The mortgage survey serves as an important source of data for this work. High debt can mean risks for individual households, banks, financial stability and the macroeconomic devel-opment.

Erik Thedéen re-elected Vice-Chair of IOSCO's European Regional Committee

2018-04-03 | IOSCO News About FI

Finansinspektionen's Director General Erik Thedéen has been re-elected as Vice-Chairman of the International Organization of Securities Commissions' (IOSCO) European Regional Committee (ERC) for the period 2018-2020.

Proposal to change method for the application of the risk weight floor for Swedish mortgages

Finansinspektionen (FI) is proposing to change the method it currently uses to apply the current risk weight floor for Swedish mortgages through Pillar 2 by replacing it with a requirement within the framework of Article 458 of CRR. The change is proposed to enter into force on 31 December 2018.

Priorities in FI’s supervision to strengthen consumer protection

Finansinspektionen (FI) presents in this report the risks consumers are facing on the financial market and that FI is prioritising in its supervision. One recurring prioritised risk is that consumers will be granted loans that are larger than what their personal finances can handle. Another risk that has been prioritised for a long time is the risk that consumers will be advised to invest in products that are not suitable for them.

FI updates information about periodic reporting required by the Anti-Money Laundering Act

FI has updated the instructions and FAQs about the periodic reporting firms under Finansinspektionen’s supervision are required to file according to the Anti-Money Laundering Act.

FI’s 2017 Annual report: A word from the Director General

2018-03-07 | News About FI

The following is a summary of the year by Director General Erik Thedéen that is included as the introduction to the annual report.

Capital requirements of Swedish banks as of the fourth quarter 2017

Finansinspektionen publishes the capital requirements of the ten largest Swedish banks and credit institutions as of the end of the fourth quarter 2017.

New Senior Advisor at FI

2018-02-22 | About FI

Anders Kvist has been named a Senior Advisor to FI’s Director General.

Videos about anti-money laundering now in English

FI has translated into English its educational videos about efforts to combat money laundering and terrorist financing.

Martin Noréus: Current challenges facing the banking sector

“The Swedish banking sector is profitable and has satisfactory resilience, but it is clearly undergoing a major transformation,” said Martin Noréus in a speech at SvD Bank Summit in Stockholm.

New Nordic-Baltic Memorandum of Understanding

The Swedish Ministry of Finance, the Riksbank, Finansinspektionen (the Swedish Financial Supervisory Authority) and the Swedish National Debt Office in its role as resolution authority, have produced, together with their equivalents in Denmark, Estonia, Finland, Iceland, Latvia, Lithuania and Norway a new Memorandum of Understanding on cooperation and coordination on cross-border financial stability.

Erik Thedéen: Rules prevent crises

Finansinspektionen is responsible for macroprudential policy in Sweden, which includes both promoting financial stability and counteracting financial imbalances. We are also tasked with promoting a high level of consumer protection on the financial markets. One of the reasons that we have been given the responsibility for macroprudential policy is that financial crises have proven themselves to be very expensive.

Decision regarding the countercyclical buffer rate

Finansinspektionen (FI) decided on 29 January not to change the countercyclical buffer rate. The buffer rate of two per cent, which has applied since 19 March 2017, shall thus continue to apply. The countercyclical buffer guide is set at 0 per cent.

First meeting of the Network for Greening the Financial System

2018-01-29 | News Markets Insurance

The international Network for Greening the Financial System (NGFS) held its inaugural meeting in Paris last week.

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