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Published 2019-05-28 - Both the global and the Swedish economies appear to be slowing down. Low interest rates – which have resulted in high risk-taking and rising asset prices –…
Report: Stability in the Financial System (2019-1)
Appendix: Stability in the Financial System (2019-1)
Report: The Commercial Real Estate Market and Financial Stability (Summary)
Memo: Requirement on IRB models for exposures to commercial real estate
Published 2021-02-24 - Young borrowers and borrowers with low income have a higher risk of experiencing payment problems when taking non-mortgage loans. The risk decreases if the…
FI Analysis 29: Why do some borrowers experience payment problems?
Published 2019-06-13 - The majority of consumption loans (non-mortgage loans) are small and have a high interest rate and a short maturity. However, it is households with large…
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 2014-12-10 - In FI's opinion, resilience in the fi nancial system is currently satisfactory. FI's increased capital requirements have helped improve the resilience of…
Published 2017-05-31 - The Swedish economy is thriving, but a strong economy combined with low interestrates has resulted in high asset prices and rapidly rising household debt.
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…
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 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 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…
Published 2019-01-22 - A new report from Finansinspektionen and the Swedish National Debt Office shows that the value of an implicit state guarantee for the major Swedish banks has…
FI Analysis 15: The value of an implicit state guarantee for systemic banks
Published 2022-04-28 - Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer…
Published 2018-06-14 - Most loans for consumption are small and have a high effective interest rate and a short maturity. Households with large loans represent the largest share of…
Published 2020-10-14 - The access of non-financial firms to credit is central for financial stability, particularly during financial crises. In recent years, the market for…
FI Analysis 23: Can the bond market dampen the credit cycle?
Published 2017-03-13 - SUMMARY: In Sweden, both the percentage of mortgages that have a variable interest rate and household debts have risen sharply. This combination has made…
FI Analysis 9: Households’ interest rate adjustment periods – an economic vulnerability?
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 2016-04-14 - The average debt-to-income ratio for households with new mortgages increased from 387 per cent to 406 per cent between 2014 and 2015, according to FI:s report.
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 2016-03-08 - Sweden and Swedish financial institutions have small exposures to climate risks. This means that the current risk that climate changes will cause problems for…
Climate change and financial stability (Report in English)
The effects of climate change on financial stability, with particular reference to Sweden
Published 2017-11-28 - Finansinspektionen (FI) received a mandate from the Government to propose a capital requirement regulation for undertakings providing occupational retirement.…
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 2015-12-15 - Alternative forms of funding can have a positive effect on the competition in and efficiency of the financial market by enabling more projects to find funding…
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…
Published 2020-06-30 - The Swedish fixed-income market – which consists of the bond market, the money market and interest rate derivatives – is important for the government,…
FI Analysis 21: New liquidity indicators for the fixed-income market
Published 2016-05-26 - FI makes the assessment that the resilience of the financial system in Sweden is satisfactory, but vulnerabilities remain. The Swedish banks have buffers, but…
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…
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…
FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
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 2018-05-14 - Theprevailing low interest rate environment is challenging for pension managers who pledge a guaranteed rate of return to their beneficiaries.
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.
did you mean way 0856 4199 0332 batu temple lantai di blora ?
Published 2019-05-28 - Both the global and the Swedish economies appear to be slowing down. Low interest rates – which have resulted in high risk-taking and rising asset prices –…
Report: Stability in the Financial System (2019-1)
Appendix: Stability in the Financial System (2019-1)
Report: The Commercial Real Estate Market and Financial Stability (Summary)
Memo: Requirement on IRB models for exposures to commercial real estate
Published 2021-02-24 - Young borrowers and borrowers with low income have a higher risk of experiencing payment problems when taking non-mortgage loans. The risk decreases if the…
FI Analysis 29: Why do some borrowers experience payment problems?
Published 2019-06-13 - The majority of consumption loans (non-mortgage loans) are small and have a high interest rate and a short maturity. However, it is households with large…
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 2014-12-10 - In FI's opinion, resilience in the fi nancial system is currently satisfactory. FI's increased capital requirements have helped improve the resilience of…
Published 2017-05-31 - The Swedish economy is thriving, but a strong economy combined with low interestrates has resulted in high asset prices and rapidly rising household debt.
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…
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 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 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…
Published 2019-01-22 - A new report from Finansinspektionen and the Swedish National Debt Office shows that the value of an implicit state guarantee for the major Swedish banks has…
FI Analysis 15: The value of an implicit state guarantee for systemic banks
Published 2022-04-28 - Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer…
Published 2018-06-14 - Most loans for consumption are small and have a high effective interest rate and a short maturity. Households with large loans represent the largest share of…
Published 2020-10-14 - The access of non-financial firms to credit is central for financial stability, particularly during financial crises. In recent years, the market for…
FI Analysis 23: Can the bond market dampen the credit cycle?
Published 2017-03-13 - SUMMARY: In Sweden, both the percentage of mortgages that have a variable interest rate and household debts have risen sharply. This combination has made…
FI Analysis 9: Households’ interest rate adjustment periods – an economic vulnerability?
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 2016-04-14 - The average debt-to-income ratio for households with new mortgages increased from 387 per cent to 406 per cent between 2014 and 2015, according to FI:s report.
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 2016-03-08 - Sweden and Swedish financial institutions have small exposures to climate risks. This means that the current risk that climate changes will cause problems for…
Climate change and financial stability (Report in English)
The effects of climate change on financial stability, with particular reference to Sweden
Published 2017-11-28 - Finansinspektionen (FI) received a mandate from the Government to propose a capital requirement regulation for undertakings providing occupational retirement.…
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 2015-12-15 - Alternative forms of funding can have a positive effect on the competition in and efficiency of the financial market by enabling more projects to find funding…
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…
Published 2020-06-30 - The Swedish fixed-income market – which consists of the bond market, the money market and interest rate derivatives – is important for the government,…
FI Analysis 21: New liquidity indicators for the fixed-income market
Published 2016-05-26 - FI makes the assessment that the resilience of the financial system in Sweden is satisfactory, but vulnerabilities remain. The Swedish banks have buffers, but…
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…
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…
FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
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 2018-05-14 - Theprevailing low interest rate environment is challenging for pension managers who pledge a guaranteed rate of return to their beneficiaries.
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.