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Published 2023-06-28 - Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how…
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 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 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 2019-05-28 - 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 2021-03-24 - 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 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…
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…
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 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 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 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 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 2024-06-04 - There are climate-related transition risks in Swedish banks’ lending portfolios. This is the conclusion of an analysis Finansinspektionen (FI) conducted by…
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 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…
Published 2017-11-28 - Finansinspektionen (FI) received a mandate from the Government to propose a capital requirement regulation for undertakings providing occupational retirement.…
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 2018-04-04 - This FI Analysis presents an assessment of the Swedish mortgage cap. The assessment shows that households limited by the mortgage cap borrowed less and purchased less expensive homes.
FI-analysis 12: Mortgage cap slowed growth of household debt
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 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…
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 2006-09-08 - One starting point for the life insurance business is that policyholders should be treated fairly and reasonably. Any surplus that arises in a company should…
Report in Swedish: Livbolagens förlusttäckning - redovisning av olika metoder (2006:7)
Published 2012-11-08 - Finansinspektionen’s (FI’s) 2012 risk report 2012 continues to focus on unease on financial markets, where the greatest risk to the Swedish financial system…
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.
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
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 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 2007-05-10 - The insurance market for Swedish consumers has changed a lot over the lastcouple of decades. The range of insurance forms has decreased while forms ofasset…
Published 2006-02-20 - Demand for improved handling of complaints DI will place explicit demands on companies to have functioning
Report in Swedish: Handel med förfallna fordringar och inkasso (2006:3)
Published 2018-05-14 - Theprevailing low interest rate environment is challenging for pension managers who pledge a guaranteed rate of return to their beneficiaries.
did you mean way 0859 3970 0884harga borongan lantai lapis vinyl rumah mewah halaman luras di imogiri bantul ?
Published 2023-06-28 - Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how…
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 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 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 2019-05-28 - 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 2021-03-24 - 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 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…
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…
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 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 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 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 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 2024-06-04 - There are climate-related transition risks in Swedish banks’ lending portfolios. This is the conclusion of an analysis Finansinspektionen (FI) conducted by…
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 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…
Published 2017-11-28 - Finansinspektionen (FI) received a mandate from the Government to propose a capital requirement regulation for undertakings providing occupational retirement.…
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 2018-04-04 - This FI Analysis presents an assessment of the Swedish mortgage cap. The assessment shows that households limited by the mortgage cap borrowed less and purchased less expensive homes.
FI-analysis 12: Mortgage cap slowed growth of household debt
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 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…
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 2006-09-08 - One starting point for the life insurance business is that policyholders should be treated fairly and reasonably. Any surplus that arises in a company should…
Report in Swedish: Livbolagens förlusttäckning - redovisning av olika metoder (2006:7)
Published 2012-11-08 - Finansinspektionen’s (FI’s) 2012 risk report 2012 continues to focus on unease on financial markets, where the greatest risk to the Swedish financial system…
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.
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
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 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 2007-05-10 - The insurance market for Swedish consumers has changed a lot over the lastcouple of decades. The range of insurance forms has decreased while forms ofasset…
Published 2006-02-20 - Demand for improved handling of complaints DI will place explicit demands on companies to have functioning
Report in Swedish: Handel med förfallna fordringar och inkasso (2006:3)
Published 2018-05-14 - Theprevailing low interest rate environment is challenging for pension managers who pledge a guaranteed rate of return to their beneficiaries.