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FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
- Consumer
- Stability
- Published
- News
- Reports
- Consumer
- Borrow
Published 2025-02-27 - Between the years 2020 and 2023, the number of borrowers with a new unpaid debt registered with the Swedish Enforcement Authority has increased by 23 per…
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The first stage in payment problems is when a person does not pay a bill.4 If this happens, they will almost always receive payment reminders (Figure
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FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
- Bank
- Stability
- Published
- Reports
Published 2024-12-11 - During the spring of 2023, one Swiss bank and several US banks failed. Multiple actors in both the US and internationally have analysed the underlying causes.…
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FI Analysis No. 47 The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
- Bank
- Insurance
- Markets
- Stability
- Published
- News
- Reports
- Payments
Published 2024-11-20 - The outlook for financial stability has improved somewhat in the past six months. Sweden continues to experience a mild economic downturn, but interest rate…
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Stability in the Financial System (2024:2)
that liquidity during periods of elevated market stress can be more fragile than previously thought.15 Liquidity on the Swedish stock market is hard
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FI proposes enhanced preventive work in efforts to prevent investment fraud
- Consumer
- Published
- Reports
- Frauds
Published 2024-11-07 - An increasing number of consumers are falling victim to investment fraud. In a report to the Government, FI proposes, among other things, enhanced work to…
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Report: Preventing Investment Fraud
This includes measures that would both strengthen the consumer’s own ability to protect themselves and make things harder for the fraudsters throughout
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Two expert reports on macroprudential policy measures
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
Published 2024-09-25 - Amortisation requirements, the LTI ratio, and the LTV cap are macroprudential policy tools that are used in Sweden and many other countries. But what are the…
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Jesper Rangvid: Effects of borrower-based measures
However, if the action also harms other people (externalities), then the argument in favour of intervention is stronger.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
With historic lows for returns on liquid assets, and rising house prices relative to income, young households will also have found it hard to save adequately
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Två expertrapporter om makrotillsynsåtgärder
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
Published 2024-09-25 - Amorteringskrav, skuldkvoter och tak för belåningsgrad är verktyg för makrotillsyn i Sverige och många andra länder. Men vilka är de potentiella effekterna av…
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Jesper Rangvid: Effects of borrower-based measures
However, if the action also harms other people (externalities), then the argument in favour of intervention is stronger.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
With historic lows for returns on liquid assets, and rising house prices relative to income, young households will also have found it hard to save adequately
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FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
- Consumer
- Published
- News
- Reports
- Fintech
- Payments
- Cryptoassets
Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…
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FI Analysis 44: Swedish Retail Trading in Cryptocertificates
this, we mean that it is difficult for the individual investor to determine whether a cryptoasset is under- or overvalued, which makes it even harder
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FI Analysis No. 42: Gender differences in investment behaviour
- Bank
- Markets
- Consumer
- Published
- News
- Reports
Published 2024-03-18 - The study confirms previous results showing that women are underrepresented in the stock market. The differences arise as early as three years of age, which…
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FI Analysis No. 42: Gender differences in investment behaviour
The benefit of diversification mainly comes from lower risk, making it hard to argue that an individual who invests in an additional stock automatically
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FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
- Bank
- Markets
- Stability
- Published
- Reports
Published 2023-11-28 - In this analysis, we estimate how much Swedish listed and larger privately owned commercial real estate firms need to reduce their debt in a climate of rising…
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FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Payments
Published 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances. Finansinspektionen (FI) is now seeing a decline in…
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Stability in the Financial System 2023:2
Stability in the Financial System – Stability Assessment
FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
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Consumer Protection Report 2023
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
- Payments
Published 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.
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Consumer Protection Report 2023
However, individual mortgagors could be hit hard by economic events in the future.
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Stability in the Financial System (2023:1)
- Bank
- Insurance
- Stability
- Published
- Reports
- Payments
Published 2023-05-31 - Since the publication of the stability report last autumn, inflation has slowed somewhat in the large economies but is still significantly higher than the…
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Stability in the Financial System 2023:1
is possible for mortgage providers to grant temporary exemptions from the amortisation requirement to households with mortgages that have been hit hard
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FI Analysis 38: Loans and payment problems among women and men
- Published
- Reports
- Borrow
Published 2023-04-14 - Among borrowers over the age of 45, it is more common for women than men to have a debt registered with the Enforcement Authority. One explanation could be…
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FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
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The Swedish Mortgage Market 2023
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
Published 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…
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Swedish Consumer Credit
- Consumer
- Published
- Reports
- Borrow
Published 2022-12-21 - A large portion of Swedish households’ loans is for their homes. But the households also use loans to finance some of their consumption. Consumption credit…
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This may be due to the fact that some life events – for example divorces – generally hit women harder due to their lower incomes compared to men.
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Finansinspektionen’s strategy to prevent greenwashing
- Bank
- Insurance
- Markets
- Published
- About FI
- Reports
- Sustainability
Published 2022-12-13 - FI’s strategy for preventing greenwashing in the financial sector aims to safeguard the trust in sustainable investments and a sustainable finance market.
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Finansinspektionen’s strategy to prevent greenwashing
FI will prioritise following up so that such information asymmetry will not harm customers, but rather that financial market participants consider the
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Roadmap for sustainable finance
- Bank
- Insurance
- Markets
- Stability
- Published
- About FI
- Reports
- Sustainability
Published 2022-12-13 - In 2019, FI’s overarching mandate was expanded to include a responsibility to ensure that the financial system contributes to sustainable development. FI is…
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Roadmap for sustainable finance
Specifically when this will happen will depend on each regulation.
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Stability in the Financial System (2022:2)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
Published 2022-11-29 - High inflation has led to rapidly rising interest rates. Given the current rapid change in conditions, both participants on the financial markets and…
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Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
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Borrower-based measures following high inflation and rising interest rates
- Bank
- Published
- Reports
- Mortgage
Published 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
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Report: Borrower-based measures following high inflation and rising interest rates
Individual mortgage holders can still be hit hard by the economic developments going forward.
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Funds with sustainable investment as its objective
- Bank
- Insurance
- Markets
- Published
- Reports
- Sustainability
Published 2022-10-12 - The Swedish Financial Supervisory Authority, Finansinspektionen (FI) has conducted an in-depth analysis of how managers of funds registered in Sweden that…
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Funds with sustainable investment as its objective
Is it specified that the investments do no significant harm?
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Do loyal policyholders pay more?
- Insurance
- Consumer
- Published
- Reports
Published 2022-07-08 - Finansinspektionen has analysed whether loyal policyholders pay higher premiums for the three non-life insurance products that are most important for…
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Report: Do loyal policyholders pay more?
This would happen if the policyholders who had home insurance (building) for a longer duration with the same provider live in stone houses while those
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Stability in the Financial System (2022:1)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
Published 2022-05-31 - Interest rates and interest rate expectations have increased in 2022 due to high and rising inflation. One sector that is vulnerable to rising interest rates…
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Stability in the Financial System
Higher energy prices also have a generally contracting impact on the economy, and some industries – like transports – are being hit hard by rising fuel
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Stability in the Financial System (2021:2)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
Published 2021-11-23 - Sweden’s economy has largely recovered and there is good access to financing in the financial system. The Riksbank should therefore begin the phase-out of…
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FI Analysis No. 33: Household debt and resilience
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
Published 2021-06-10 - The ability to borrow is beneficial to households in many ways. At the same time, debt can make their consumption more sensitive to unexpected changes in…
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FI Analysis No. 33: Household debt and resilience
Shedding light on what is driving this link is hard.
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Stability in the Financial System (2021:1)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
Published 2021-06-01 - The economy is continuing to recover. Support measures have been necessary to speed up the recovery, but they need to be gradually phased out as the economy…
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FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
- Consumer
- Published
- Reports
- Borrow
Published 2021-05-12 - Loans and other debts are of significance to repayment problems. This analysis focuses on the significance of loans to individual’s repayment problems.
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FI Analysis 32: Loans, payment problems and debts at the Swedish Enforcement Authority
to a debt registered with the Swedish Enforcement Authority The first stage in payment problems is when a person does not pay a bill.14 If this happens
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The Swedish Mortgage Market (2021)
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
Published 2021-03-24 - New borrowers continue to take larger mortgages in relation to their income and the value of their home. At the same time, they have good margins for…
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Sustainability Report 2021 – the climate in focus
- Bank
- Insurance
- Markets
- Consumer
- Stability
- Published
- Reports
- Sustainability
Published 2021-03-18 - Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…
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Sustainability report 2021 – the climate in focus
The climate transition that has to happen to reach the EU’s climate goals requires significant investments that are only possible if a large part of
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Cyber threats and financial stability – FI’s roll and assignments
- Bank
- Insurance
- Markets
- Published
- Reports
Published 2021-03-04 - In recent years, a number of legislative proposals and other initiatives have been presented to strengthen the financial sector’s resilience to cyberattacks.…
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Cyber threats and financial stability – FI’s role and assignments
For example, antagonistic attacks can be carried out by a state actor to cause harm to another country.
Combatting the Cyber Threat in Sweden (Oliver Wyman)
Furthermore, cyber attacks are more likely to happen following external shocks, whether they are natural disasters, wars or a global pandemic.
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Cyberhot och finansiell stabilitet – FI:s roll och uppgifter
- Bank
- Insurance
- Markets
- Published
- Reports
Published 2021-03-04 - På senare tid har ett flertal olika lagförslag och andra initiativ presenterats för att stärka den finansiella sektorns motståndskraft mot cyberattacker. Mot…
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Cyberhot och finansiell stabilitet – FI:s roll och uppgifter
