A stable, well-functioning financial market for allA stable, well-functioning financial market for allResult
2025
Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that have recently emerged on the financial market. At the same time, risks linked to unsound lending and financial exclusion of consumers are still prevalent. These are some of Finansinspektionen’s (FI) observations in this year’s consumer protection report.
FI notifies the EU regarding the extension of the existing risk-weight floor for Swedish mortgages and commercial real estate
FI has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to extend for a period of two years the existing risk weight floor for Swedish mortgages from 31 December 2025 as well as the existing risk-weight floor for commercial real estate from 30 September 2025. This is in accordance with Article 458 of the CRR.
Service Disruptions PDMR Reporting
2025-04-25 | Reporting
Due to maintenance, the system of PDMR transactions may cause service disruptions on 29 April between 9 am and 10 am.
The Bank Barometer
2025-04-24 | Reports
The Bank Barometer describes the Swedish banking system and is published twice a year. The report presents statistics on, among other things, deposits, profitability and funding broken down into different categories of banks and credit market firms.
The Bank Barometer: Net profit of Swedish banks continues to increase
Swedish banks’ net profit increased by SEK 4 billion in 2024 despite a decrease in net interest income. These are the main conclusions in Finansinspektionen’s report. The report also shows that lending to the public is increasing, as is the percentage of non-performing loans.
Central counterparty (Clearing)
2025-04-14 | Markets
Finansinspektionen is the competent authority according to Regulation (EU) No 648/2012 on OTC derivatives, central counterparties and trade repositories (EMIR). This means that FI assesses the applications, registrations and notifications that can or must be submitted according to the regulation. As the competent authority, FI must also conduct supervision of central counterparties.
Central securities depository (settlement and account entry)
2025-04-14 | Markets
Finansinspektionen is the competent authority according to Regulation (EU) No 909/2014 on improving securities settlement in the European Union and on central securities depositories (CSDR). This means that FI assesses the applications, registrations and notifications that can or must be submitted according to the regulation. As the competent authority, FI must also conduct supervision of central securities depositories.
Lendix Finanx
2025-04-10
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Lendix Finanx are offering loans and credits to Swedish residents.
Valbury Capital Group/Maxrich Ltd
2025-04-10
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Valbury Capital Group/ Maxrich Ltd are offering Swedish investors to trade with securities.
CTI Market/Maxrich Group
2025-04-10
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent CTI Market/ Maxrich Group are offering Swedish investors to trade with securities.
Luxanpros LTD/Luxan Capital company
2025-04-10
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Luxanpros LTD/Luxan Capital company are offering Swedish investors to trade with securities.
EU-Loan
2025-04-10
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent EU-Loan are offering loans and credits to Swedish residents.
Econam
2025-04-10
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Econam are offering loans and credits to Swedish residents.
Aquila Markets
2025-04-10
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Aquila Markets are offering Swedish investors to trade with securities.
New street address for FI
On 14 April, FI will relocate to a new address, Sveavägen 44.
The Swedish Mortgage Market: Households need to have margins for an uncertain future
The conditions for household finances improved in 2024. As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in previous years. But the economic development is uncertain. Households need to allow for continued high housing and living costs. These are some of the conclusions from this year’s report on the Swedish mortgage market.
Operational disruptions: FIDAC
2025-04-02 | Reporting
We are experiencing operational disruptions in FIDAC at the moment. We are investigating the issue and will inform when it has been resolved.
Reporting according to DORA
2025-03-31
Here you will find technical information for reporting of ‘Registers of Information’ and ‘ICT-related Incidents and Cyber Threats’, according to the DORA regulation. Registers of Information reporting is according to European Banking Authority (EBA) framework 4.0.
Swedish Trust Bank
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Swedish Trust Bank are offering loans and credits to Swedish residents.
Invest Kapital
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Invest Kapital are offering loans and credits to Swedish residents.
ECIBN
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent ECIBN are offering loans and credits to Swedish residents.
Suedfina
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Suedfina are offering loans and credits to Swedish residents.
Wolf Markets Services LTD
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Wolf Markets Services LTD are offering Swedish investors to trade with securities.
Globe Bitstrade
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Globe Bitstrade are offering Swedish investors to trade with securities.
Nordic Alliance Bank
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Nordic Alliance Bank are offering loans and credits to Swedish residents.
Somylan
2025-03-28
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Somylan are offering loans and credits to Swedish residents.
Operation disruptions FIDAC: Solved
2025-03-26 | Reporting
The operational disruptions in FIDAC are now solved. Please contact rapportering@fi.se if you continue to experience problems.
Operational disruptions: FIDAC
2025-03-26 | Reporting
We are experiencing operational disruptions in FIDAC at the moment. We are investigating the issue and will inform when it has been resolved.
Scheduled maintenance: FIDAC
2025-03-26 | Reporting
Wednesday 26 March, maintenance work will take place in FIDAC. Between 9:00 AM to 12:00 AM, FIDAC can therefore be unavailable.
Scheduled maintenance: FIDAC
2025-03-25 | Reporting
Tuesday 25 March, maintenance work will take place in FIDAC. Between 9:00 AM to 12:00 AM, FIDAC can therefore be unavailable.
Legal Position: Rule interpretation for deposits via digital platforms
An increasing number of banks and other credit institutions are offering savings via digital deposit platforms. This makes them more vulnerable since the deposits volume could decrease rapidly. FI notes in a report that some of the institutions do not sufficiently consider these risks, in part when calculating the liquidity buffer required for such deposits. A legal position specifies how we will interpret the rules.
Household savings in Sweden
Swedes hold a large amount of financial assets, but the distribution of these assets is very uneven. Most Swedes hold a small amount of financial assets, while 5 per cent of the population holds approximately half of all assets. Few have direct savings in shares or funds. Those with large loans can be vulnerable to weakened economic conditions and therefore in general have a greater need for a financial buffer. FI’s data indicates that many mortgagors hold a small amount of assets, at least with the same bank where they have their mortgage.
Nordic Finanx
2025-03-18
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Nordic Finanx are offering loans and credits to Swedish residents.
Agri Financial Company
2025-03-18
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Agri Financial Company are offering loans and credits to Swedish residents.
Jarifarl
2025-03-18
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Jarifarl are offering loans and credits to Swedish residents.
Trulann
2025-03-18
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Trulann are offering loans and credits to Swedish residents.
Anoto Group receives a caution and an administrative fine
Finansinspektionen has decided to issue Anoto Group a caution and an administrative fine of SEK 900,000 for violations of the rules governing the preparation of annual and consolidated accounts.
Swedish Pensions Agency receives a remark
Finansinspektionen (FI) is issuing the Swedish Pensions Agency a remark for deficient risk control of investments in Heimstaden Bostad AB.
Reciprocation of Norwegian systemic risk buffer
Finansinspektionen has reciprocated the Norwegian Ministry of Finance decision to maintain a 4,5 percent systemic risk buffer for exposures in Norway. The decision applies to Swedish institutions exposures in Norway.
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 first 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.
Scheduled maintenance: Ansök
2025-03-11 | Reporting
From March 11 at 5 pm, to March 12 at 8 pm, maintenance work will take place in Ansök and the system will be unavailable.
How FI reviews money laundering risks in the financial sector in 2025
There is a high risk that the financial system is used by criminals to launder money and commit other crimes. In 2025, the Financial Supervisory Authority (FI) will prioritize its review to sectors and services where the risks of money laundering are elevated.
Notification by foreign UCITS regarding marketing of units in the undertaking in Sweden
2025-03-06 | Markets
A foreign UCITS which is domiciled within the EEA and has such authorisation in its home state as set out in 2009/65/EC of the European Parliament and of the Council of 13 July 2009 on the coordination of laws, regulations and administrative provisions relating to undertakings for collective investment in transferable securities (UCITS) may market units in the undertaking here in Sweden without special authorisation.
FI is publishing banks’ effective capital headroom
Starting today, FI will now publish banks’ effective CET 1 capital headroom every quarter. This will show how much of the banks’ buffer is available to cover losses before a bank breaches a regulatory requirement or its Pillar 2 guidance. By publishing this information, FI will make it easier for market participants and other stakeholders to interpret the banks’ capital headroom.
Capital requirements for Swedish banks as of Q4 2024
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 Q4 2024.
FI Analysis No. 48: Share of consumer credit debt registered with Swedish Enforcement Authority increases during economic downturns
In 2020, almost 130,000 individuals had a debt registered with the Swedish Enforcement Authority that was related to consumer credit. Since the end of 2020, the general price level has increased (inflation) by almost 20 per cent. The Riksbank raised the policy rate during the same period, making it significantly more expensive to borrow money. In 2023, just over 160,000 individuals with consumer credit had new debts registered with the Swedish Enforcement Authority, which represents an increase of 23 per cent since 2020. The new debts, measured in SEK, that were related to consumer credit were 51 per cent higher than they were in 2020.
Handelstorget
2025-02-20
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Handelstorget are offering Swedish investors to trade with securities.
Skandova
2025-02-19
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Skandova are offering Swedish investors to trade with securities.
Scheduled maintenance: FIDAC
2025-02-19 | Reporting
Thursday 20 February, maintenance work will take place in FIDAC. Between 9:00 AM to 12:00 AM, FIDAC can therefore be unavailable.
Scheduled maintenance: FIDAC
2025-02-13 | Reporting
Monday 17 February, maintenance work will take place in FIDAC. Between 8:00 AM to 12:00 AM, FIDAC can therefore be unavailable.
Service Disruptions PDMR Reporting
2025-02-11 | Reporting
Due to maintenance, the system of PDMR transactions may cause service disruptions on Monday 17 February between 9 am and 10 am.
Direct contributions to reserves from shareholders as CET1 capital
European Banking Authority (EBA) has clarified which conditions direct contributions to reserves from shareholders should meet in order to form part of firms’ Common Equity Tier 1 capital (CET1 capital) according to the rules laid down in the Capital Requirements Regulation (CRR). According to the CRR a contribution may be classified as CET1 capital if the contribution satisfies certain conditions.
MoU between SRB, ECB, SNDO and FI
A Memorandum of Understanding has been signed between the Single Resolution Board (SRB), the European Central Bank (ECB), the Swedish National Debt Office (SNDO) and Finansinspektionen (FI) to strengthen supervision and resolution cooperation.
Executive Director Åsa Larson to leave FI
Åsa Larson will step down from Finansinspektionen and her role as the executive director of Insurance.
Executive Director Per Nordkvist to leave FI
Per Nordkvist will step down from FI and his role as the executive director of Markets.
The TRS 2 system closed on 14 January
The TRS 2 system will be closed for maintenance Tuesday, 14 January 2025.
The TRS 2 system closed on 14 January
2025-01-08 | Reporting
The TRS 2 system will be closed for maintenance Tuesday, 14 January 2025.
