Reports

2016

How can the financial sector contribute to sustainable development?

Finansinspektionen is publishing today two reports on sustainability. Together, they serve as the report to the Government that FI was tasked with earlier in the year on the continued work with sustainability issues, how these issues are linked to financial regulation and supervision and how supervision can contribute to sustainable development in a constructive manner.

A necessary step for a better savings market

2016-07-14 | Reports Consumer Markets

FI believes that independent financial advice would play an important role on the savings market, since consumers are at an information disadvantage in relation to producers of saving products while at the same time having to take more responsibility for their financial future.

Terrorism financing

The national risk assessment regarding the financing of terrorism that was published in June 2014 identified a need to increase knowledge and awareness about the financing of terrorism.

Climate changes and financial stability

Sweden and Swedish financial institutions have small exposures to climate risks. This means that the current risk that climate changes will cause problems for financial stability is low. However, there is a need for more information as well as improved transparency surrounding climate-related risks within the sector. Financial institutions also need to develop stress tests and analyses in order to identify what kind of consequences could arise from these risks and how such consequences could be prevented.

2015

Environmental and sustainability perspectives in credit granting to companies

Finansinspektionen (FI) has been commissioned by the Government to report on the bank's internal rules regarding credit granting to companies from the perspective of the environment and sustainability. If necessary, FI shall present proposals for measures that can be included in the banks' credit granting process to promote such a perspective.

Crowdfunding in Sweden

2015-12-15 | Reports Consumer

Alternative forms of funding can have a positive effect on the competition in and efficiency of the financial market by enabling more projects to find funding even if, for example, banks are not willing to grant a loan. However, crowdfunding introduces certain risks for consumers.

2014

Enforcement of financial information

2014-10-15 | Reports

Finansinspektionen (FI) is responsible for ensuring that enforcement of periodic financial information is of high, consistent quality.

2013

Bank interest rates and lending, Q3 2013 (Summary)

2013-12-05 | Reports Bank

In this report, Finansinspektionen (FI) describes the banks' adaptations to higher capital requirements and the effects on households and non-financial firms.

Bank interest rates and lending, Q1 2013 (Summary)

2013-05-28 | Reports

The development of the margins of new mortgages slowed during Q1 2013. Both the banks' funding cost and households' lending rate for new mortgages continued to fall during the quarter.

2012

Bank interest rates and lending, Q4 2012 (summary)

2012-12-31 | Reports Bank

Both the banks' funding cost and lending rates to households and corporations fell sharply during the fourth quarter of 2012 while the banks' margins on new mortgages increased slightly. Lending to Swedish corporations and households increased during the fourth quarter, but at a slower rate than before. During 2013 Finansinspektionen (FI) will investigate potential measures for how credit institutions can increase the awareness of their customers for how the actual lending rates for mortgages are determined.

Bank interest rates and lending, Q3 2012

2012-11-26 | Reports Bank

Swedish banks have already largely adapted to the forthcoming requirements regarding capital adequacy and access to liquidity. The stricter requirements involve a cost, but also help improve stability in the financial system. On the whole, the forthcoming requirements will generate positive effects for the national economy.

Bank interest rates and lending, Q2 2012

2012-08-28 | Reports Bank

The growth rate of lending to households and corporations is decreasing, but remains positive and is clearly higher than the corresponding figure for the eurozone. Banks' margins on mortgages increased in the same period, according to the second quarterly report.

Market risks management

2012-05-24 | Reports Bank

During 2011, Finansinspektionen (FI) investigated how 11 financial companies market risks management. ‘Market risk’ refers to the risk of loss-incurring value changes in assets and liabilities due to fluctuations in interest rates, foreign exchange rates, stock prices and commodity prices.

Bank interest rates and lending, Q1 2012

2012-05-24 | Reports Bank

In order to strengthen financial stability and avoid future financial crises, new regulations for the banking sector are being prepared. The regulations include higher capital adequacy requirements.

Investigation into high frequency and algorithmic trading

2012-02-21 | Reports Markets

High frequency trading contributes to – but is not responsible for – changes in trading. But there is still considerable concern that market abuse has increased and supervision is insufficient. These are the main conclusions from Finansinspektionen’s investigation.

2011

Bonuses: Are companies following the rules?

2011-08-18 | Reports Markets Bank

Finansinspektionen (FI) received an assignment from the Government to report on the implementation of the EU Recommendation on remuneration in the financial services sector, the measures taken to ensure compliance with the new rules and how affected companies have adapted to the recommendations.