A stable, well-functioning financial market for all
A stable, well-functioning financial market for all
Result
2025
Remuneration and conflicts of interest in Swedish insurance intermediaries
Finansinspektionen (FI) has conducted an in-depth analysis of remuneration and conflicts of interest at insurance intermediaries that distribute life insurance and savings insurance. The objective of the in-depth analysis has been to gain more in-depth knowledge about the insurance intermediary market’s remuneration structure, how commissions and other remuneration are received, and the conflicts of interest that could arise.
The Bank Barometer: Swedish banks’ lending to the public continues to increase
The Bank Barometer shows that Swedish banks’ net profit decreased by SEK 2 billion during the first half of 2025 compared to the second half of 2024. The decrease was attributable primarily to a decrease in net financial income. The report also shows that lending to the public has increased, while the percentage of non-performing loans has decreased.
The TRS2 test environment closed 27 October for maintenance
On Monday, 27 October, the TRS2 test environment will be closed for maintenance.
Zimpler receives a remark and an administrative fine
The Swedish Financial Supervisory Authority (FI) issues Zimpler AB (Zimpler) a remark and an administrative fine of 3 million kronor for violations of anti–money laundering regulations.
FI reciprocates the Norwegian risk weight floors
Finansinspektionen (FI) has passed a decision to reciprocate the Norwegian Ministry of Finance’s decision of risk weight floors of 25 per cent for retail exposures collateralised by real estate in Norway and of 35 per cent for corporate exposures collateralised by real estate in Norway.
FI extends the risk-weight floors for Swedish mortgages and commercial real estate
FI has decided to extend the risk-weight floors by two years, from 31 December 2025 to 30 December 2027 for Swedish mortgages, and from 30 September 2025 to 29 September 2027 for Swedish commercial real estate.
FI leaves the countercyclical buffer rate unchanged
In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the third quarter. The buffer rate of 2 per cent, which was applied starting on 22 June 2023, shall thus continue to apply. The countercyclical buffer guide is calculated at 0 per cent.
Capital requirements for Swedish banks as of Q2 2025
Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q2 2025.
Large Swedish banks show resilience in the EBA’s stress test
The five largest Swedish banks show resilience and have the ability to withstand a sharp deterioration in market conditions, based on the stress test coordinated by the European Banking Authority (EBA).
FI Analysis 49: Increased concentration in trading on the Swedish bond markets
The turnover and the number of actors on the bond markets have decreased in recent years. Trading of government bonds has become more concentrated to a few large firms, which makes the market vulnerable to shocks. This is the conclusion of a new analysis by Finansinspektionen (FI).
Capital requirements for Swedish banks as of Q1 2025
Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q1 2025.
Jimmy Leonborn appointed new Head of IT
Jimmy Leonborn is the new executive director of IT and will also join FI's management team. He will take over on October 1.
European Commission approves FI’s extension of the risk-weight floors
The European Commission has announced that it does not object to FI's intention to extend the current risk weight floors for Swedish mortgages and commercial real estate. This means that FI may implement the measures.
Leonard Weber Landgren new executive director of Insurance
Leonard Weber Landgren is the new executive director of Insurance and will also join FI's management team. He will take over on July 15.
Jimmy Kvarnström new executive director of Markets
Jimmy Kvarnström is the new executive director of Markets at Finansinspektionen and will also join FI’s management team.
FI leaves the countercyclical buffer rate unchanged
In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the second quarter. The buffer rate of 2 per cent, which was applied starting on 22 June 2023, shall thus continue to apply. The countercyclical buffer guide is calculated at 0 per cent.
FI withdraws authorisation for Intergiro
Finansinspektionen withdraws the authorisation of Intergiro Intl AB (publ) to issue electronic money.
FI’s view on more flexible rules for calculating capital requirements for credit risk
Finansinspektionen has published a memorandum clarifying its expectations on banks’ application of internal models to calculate capital requirements for credit risk. FI’s position is based on its experiences from previously performed model assessments and considering the greater flexibility that was introduced on 1 January of this year through amendments to the Capital Requirements Regulation (CRR3).
Stability in the Financial System (2025:1): Uncertainty could persist for a while
The uncertainty in geopolitical and economic developments is high, and the risk of negative shocks is higher now than it was last autumn. At the same time, Swedish banks have large capital buffers and good profitability, which builds resilience. Financial firms, households and firms all need to be prepared that the uncertainty could persist for a while. These are some of the conclusions from FI's first stability report of the year.
Swedbank receives an administrative fine
Swedbank AB (Swedbank or the bank) is a Swedish joint stock banking company authorised to conduct banking business in accordance with the Banking and Financing Business Act (2004:297). On 3 December 2021, Swedbank notified Finansinspektionen that the bank conducts security-sensitive activities.
