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												FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden- Stability
- Published
- Reports
 Published 2023-12-14 - In this FI-analysis we adapt the systemic risk indicator d-SRI to Swedish conditions. d-SRI is intended to give an early warning signal before crises caused by domestic imbalances arise. 
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														FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden 
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												Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market- Consumer
- Published
- Reports
- Frauds
- Save
- Consumer
- Insure
- Pay
- Borrow
 Published 2025-04-30 - Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that… 
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												Fraud prevention in payment services- Bank
- Consumer
- Published
- News
- Reports
- Frauds
- Payments
- Consumer
- Pay
 Published 2024-05-31 - Fraud is a major and expanding societal problem that fosters organised crime. FI supervises that payment service providers follow the provisions set out in… 
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												The Swedish Mortgage Market: Households need to have margins for an uncertain future- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
 Published 2025-04-07 - 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… 
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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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												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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												The Swedish Mortgage Market (2019)- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
 Published 2019-03-27 - High debt can mean risks for individual households, banks, financial stability and macroeconomic development. The mortgage survey serves as an important basis… 
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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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												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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												Household savings in Sweden- Consumer
- Published
- Reports
- Save
- Consumer
 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,… 
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												Interest rate puts pressure on indebted households- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
 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… 
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												FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account- Markets
- Consumer
- Published
- Reports
- Sustainability
- In-depth analysis
 Published 2024-03-28 - Six out of ten say that sustainability is important when saving money. Advisors at banks, investment firms and insurance intermediaries have an obligation to… 
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														FI Supervision 29: Sustainable advice is a challenge for firms 
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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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												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 
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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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												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 19: Young adults and the housing market- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
 Published 2019-12-17 - This FI Analysis shows that the the increase in house prices is the primary reason it has become more difficult for young adults to buy a home. 
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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 
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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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												FI Analysis 45: High risks in small and mid-sized commercial real estate firms- Bank
- Stability
- Published
- Reports
 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… 
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														FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms 
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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 (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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												FI Analysis 27: Non-financial firms and financial stability: a description of vulnerabilities- Bank
- Stability
- Published
- Reports
 Published 2021-01-19 - This FI Analysis describes how vulnerabilities from lending to non-financial firms arise and why FI needs to follow them to fulfil its assignment to safeguard… 
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														FI-analys 27: Non-financial firms and financial stability: a description of vulnerabilities 
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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 20: Fewer home equity withdrawals after amortisation requirements- Bank
- Stability
- Published
- Reports
- Mortgage
 Published 2019-12-17 - This FI Analysis shows that households’ tendency to use mortgages for purchases other than buying a home decreased following the amortisation requirements. 
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														FI Analysis 20: Fewer home equity withdrawals after amortisation requirements 
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												Swedish Consumer Credit- Bank
- Consumer
- Published
- Reports
- Borrow
 Published 2020-10-01 - Even though consumer credit only constitutes a small portion of households’ total credit, the interest rate and amortisation payments for these credits amount… 
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												Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment- Bank
- Insurance
- Markets
- Stability
- Published
- News
- Reports
- Payments
 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… 
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												The Swedish Mortgage Market (2020)- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
 Published 2020-04-02 - The percentage of new mortgagors with a high level of debt in relation to either their income or the value of the home continues to be high. New mortgagors in… 
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												Stability in the Financial System (2020:2)- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
 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… 
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														Stability in the Financial System FI Analysis 26: Macro-based credit loss model for major Swedish banks 
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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…