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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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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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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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Consumer Protection Report 2022
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
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…
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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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FI Analysis 29: Why do some borrowers experience payment problems?
- Consumer
- Published
- Reports
- Borrow
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…
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FI Analysis 29: Why do some borrowers experience payment problems?
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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
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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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FI Supervision 15: decreased transparency in bond trading
- Markets
- MiFID
- Published
- Reports
Published 2019-10-17 - Transparency on the Swedish bond markets has decreased. This is the conclusion of Finansinspektionen’s (FI) analysis of the impact of the transparency rules…
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FI Supervision 15: New rules led to reduced transparency on the Swedish bond markets
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FI Analysis No 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
- Bank
- Stability
- Published
- Reports
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…
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FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
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Report: Banks’ administration of amortisation requirement exemptions
- Bank
- Consumer
- Published
- Reports
- Mortgage
- Borrow
Published 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
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Report: Banks’ administration of amortisation requirement exemptions
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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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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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Firms continue to offer consumers unsuitable products
- Consumer
- Published
- News
- Reports
- Cryptoassets
- Save
- Consumer
- Insure
- Pay
- Borrow
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…
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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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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 loans for consumption
- Bank
- Consumer
- Published
- Reports
- Borrow
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…
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FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
- Bank
- Consumer
- Published
- Reports
- Borrow
Published 2021-12-07 - There are different types of lenders. They offer different types of loans, and their risk tolerance varies. The risk tolerance is evident in their business…
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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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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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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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FI Analysis 21: New liquidity indicators for the fixed-income market
- Bank
- Markets
- Published
- Reports
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,…
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FI Analysis 21: New liquidity indicators for the fixed-income market
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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 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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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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FI-analysis 13: Low for long and large annuity payments
- Insurance
- Stability
- Published
- Reports
Published 2018-05-14 - Theprevailing low interest rate environment is challenging for pension managers who pledge a guaranteed rate of return to their beneficiaries.
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FI Analysis 16: How do covered bonds function?
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Mortgage
Published 2019-03-22 - This FI Analysis describes how Swedish covered bonds function, how the regulation governing the cover pool is designed and how the cover pool is affected by a…
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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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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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FI Supervision 27: Non-life insurance undertakings’ product approval processes
- Insurance
- Consumer
- Published
- News
- Reports
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…
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FI Supervision 27: Non-life insurance undertakings' product approval processes
