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Published 2024-05-27 - The outlook for financial stability has improved somewhat, and uncertainty has decreased, but we are still in the middle of a recession. Higher costs for both…
Published 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…
Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
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…
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
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…
Published 2024-05-08 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks…
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…
Report: Borrower-based measures following high inflation and rising interest rates
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…
Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
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…
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
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…
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…
Published 2022-12-16 - The minimum requirement for own funds and eligible liabilities (MREL) is designed in such a way that the banks can breach it before they breach the capital…
Published 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…
FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
Published 2022-04-28 - In this FI Analysis, we study how the risk weight floor has impacted the banks’ lending to CRE firms using detailed lending data. The aim is to analyse…
FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
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…
Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…
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…
FI Analysis No. 42: Gender differences in investment behaviour
Published 2020-11-25 - The pandemic has triggered a deep economic recession in many countries, even if a slight recovery has begun. Extensive support measures have mitigated the…
Stability in the Financial System
FI Analysis 26: Macro-based credit loss model for major Swedish banks
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.…
Published 2020-02-14 - Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of…
Published 2023-05-26 - In 2021, Gamestop, a relatively unknown American company, experienced a sudden increase in its stock price. The price increase had been orchestrated by a…
FI Analysis No. 40: Winners and losers in the trading of meme stocks
Published 2025-03-24 - 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,…
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…
Published 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…
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…
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
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…
Published 2020-06-04 - The coronavirus pandemic has resulted in an exceptional stress for the real economy. Governments, central banks and supervisory authorities have implemented…
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…
Published 2023-09-21 - The process for product approval is central from a consumer protection perspective. It aims to ensure that insurance undertakings focus on consumer interests…
FI Supervision 27: Non-life insurance undertakings' product approval processes
Published 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and…
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…
Published 2024-05-27 - The outlook for financial stability has improved somewhat, and uncertainty has decreased, but we are still in the middle of a recession. Higher costs for both…
Published 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…
Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
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…
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
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…
Published 2024-05-08 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks…
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…
Report: Borrower-based measures following high inflation and rising interest rates
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…
Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
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…
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
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…
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…
Published 2022-12-16 - The minimum requirement for own funds and eligible liabilities (MREL) is designed in such a way that the banks can breach it before they breach the capital…
Published 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…
FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
Published 2022-04-28 - In this FI Analysis, we study how the risk weight floor has impacted the banks’ lending to CRE firms using detailed lending data. The aim is to analyse…
FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
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…
Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…
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…
FI Analysis No. 42: Gender differences in investment behaviour
Published 2020-11-25 - The pandemic has triggered a deep economic recession in many countries, even if a slight recovery has begun. Extensive support measures have mitigated the…
Stability in the Financial System
FI Analysis 26: Macro-based credit loss model for major Swedish banks
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.…
Published 2020-02-14 - Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of…
Published 2023-05-26 - In 2021, Gamestop, a relatively unknown American company, experienced a sudden increase in its stock price. The price increase had been orchestrated by a…
FI Analysis No. 40: Winners and losers in the trading of meme stocks
Published 2025-03-24 - 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,…
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…
Published 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…
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…
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
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…
Published 2020-06-04 - The coronavirus pandemic has resulted in an exceptional stress for the real economy. Governments, central banks and supervisory authorities have implemented…
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…
Published 2023-09-21 - The process for product approval is central from a consumer protection perspective. It aims to ensure that insurance undertakings focus on consumer interests…
FI Supervision 27: Non-life insurance undertakings' product approval processes
Published 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and…
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…