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• FI Analysis 22: Fewer high-cost short-term credits after new rules

  • Bank
  • Consumer
  • Published
  • Reports
  • Borrow

  Published 2020-10-01 - They are normally between SEK 500 and SEK 20,000 and often have a short maturity.

• FI Analysis 22: Fewer high-cost short-term credits after new rules

  Percentage of borrowers with HCSTCs, by size (SEK thousand) Per cent Source: FI 0 15 30 45 0–2 2–5 5–10 10–20 20–50 >50 2018 2019
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

  • Consumer
  • Published
  • News
  • Reports
  • Fintech
  • Payments
  • Cryptoassets

  Published 2024-05-23 - This is despite the underlying market increasing by up to 500 percent during the studied period.

• FI Analysis 44: Swedish Retail Trading in Cryptocertificates

  -30 31-40 41-50 51-60 61-70 71+ 0-18 18-30 31-40 41-50 51-60 61-70 71+ Women MenMean Median FINANSINSPEKTIONEN SWEDISH RETAIL TRADING IN CRYPTOCERTIFICATES
• Fees charged by life assurance companies

  • Insurance
  • Published
  • Reports

  Published 2005-04-06 - The study includes the fees charged for life assurance policies in which there is a guaranteed amount of benefit. The Swedish Financial Supervisory Authority…

• Report in Swedish: Livbolagens avgifter (2005:5)

  3,50% 1%,min 500 1%,min 5003 Avtalspension Flyttavgift år 1 500 Ej flytträtt Ej flytträtt 500 Ej flytträtt 5%,min500 Ej flytträtt 1%,min 500
• The households’ financial capability

  • Bank
  • Consumer
  • Published
  • Reports

  Published 2009-06-17 - The majority of the Swedish households have a strong personal financial position and save for the long-term. Most of them have access to a bank account and…

• The households’ financial capability (summary)

  Report in Swedish: Pensionen oroar stabila hushåll (2009:11)
• Covering of losses by insurance companies – a presentation of various methods

  • Insurance
  • Published
  • Reports

  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)

  50 1 550 1 500 50 1 550 Ändring av FTA -300 10 -290 -300 10 -290 Försäkringsersättningar -700 -200 -900 -700 -200 -900 Driftskostnader -150 -30 -180 -
• FI analysis 5: Macroeconomic effects of debt-to-income limits

  • Bank
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2016-06-28 - House prices have been rising and, as a result, so has the debt of households in relation to their income – i.e. their debt-to-income (DTI) ratios. A DTI…

• Macroeconomic effects of debt-to-income limits

  600 700 800 900 1000 0 100 200 300 400 500 600 700 800 900 1000 0 10 20 30 40 50 60 70 80 90 100 Loan-to-value ratio, per cent Debt-to-income
• 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…

• Stability in the Financial System (2024:2)

  -250 -200 -150 -100 -50 0 50 100 150 200 250 2018 2019 2020 2021 2022 2023 2024 Government bond Covered bond Municipal bond Corporate
• The Swedish Mortgage Market

  • Bank
  • Consumer
  • Published
  • Reports

  Published 2012-03-13 - Loan-to-value ratios decreased for the first time in 10 years and the share of households with new loans over 85 percent has fallen by fifty per cent since…

• Report: The Swedish Mortgage Market

  Appendix of diagrams
• 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…

• FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms

  Below 1 1–2 2–3 Above 3 0 10 20 30 40 50 60 70 80 90 100 Listed Large Mid-sized Small Above 100 70–100 50–70 Below 50 FINANSINSPEKTIONEN
• FI Analysis 11: Consequences of a stricter amortisation requirement

  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2017-05-31 - Households with high loan-to-income ratios, i.e. large loans in relation to income, are vulnerable. They are sensitive to rising interest rates since their…

• FI Analysis 11: Consequences of a stricter amortisation requirement

  Source: Finansinspektionen. 0 500 1 000 1 500 2 000 2 500 0 500 1 000 1 500 2 000 2 500 S to ck h o lm G o th en b u rg O
• 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.

• FI Analysis 19 - Young adults and the housing market

  1 000 1 500 2 000 2 500 3 000 3 500 4 000 4 500 No amortisation First amortisation requirement Stricter amortisation requirement LTI 4,5x
• 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…

• Swedish Consumer Credit 2022

  –250 250–500 500 eller mer 10-50 50–100 100–250 250–500 500 eller mer Blancolån Objektslån Median p90 FINANSINSPEKTIONEN Swedish Consumer Credit
• The Swedish Mortgage Market

  • Bank
  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2018-04-04 - Finansinspektionen (FI) follows the development of household debt on an ongoing basis. The mortgage survey serves as an important source of data for this…

• The Swedish Mortgage Market

  1 p ram 0-25 25-50 50-70 70-85 över 85 Note: Stock of existing mortgages. 11.
• Stability in the Financial System (2025:1): Uncertainty could persist for a while

  • Bank
  • Insurance
  • Markets
  • Consumer
  • Stability
  • Published
  • News
  • Reports
  • Payments

  Published 2025-05-16 - The uncertainty in geopolitical and economic developments is high, and the risk of negative shocks is higher now than it was last autumn. At the same time,…

• Stability in the Financial System (2025:1)

  Note: VIX and Eurostoxx vol show implicit volatility in options on S&P 500 and Eurostoxx 50.
• FI Analysis No. 40: Winners and losers in the trading of meme stocks

  • Markets
  • Published
  • Reports

  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

  1 000 1 500 2 000 2 500 3 000 3 500 2021-01-01 2021-03-01 2021-05-01 2021-07-01 2021-09-01 2021-11-01 GameStop AMC FINANSINSPEKTIONEN WINNERS
• Consumer protection in the financial markets

  • Consumer
  • Published
  • Reports

  Published 2009-05-29 - FI assesses that the consumer’s position on the financial market is good in general, despite significant conflicts of interest and the complexity of many…

• Report in Swedish: Konsumentskyddet på finansmarknaden (2009:10)

  000 1 000 000 1 500 000 2 000 000 2 500 000 3 000 000 3 500 000 4 000 000 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 Övriga finansiella
• Suitable TV insurance

  • Insurance
  • Consumer
  • Published
  • Reports

  Published 2008-12-23 - Consumers are often offered product insurance when they purchase electronic products. If the consumer accepts, the insurance agreement is printed out and…

• Suitable TV insurance (report summary)

  Report in Swedish: Rätt försäkring för tv:n (2008:21)
• The insurance barometer (2009:12)

  • Insurance
  • Published
  • Reports

  Published 2009-10-26 - The insurance barometer, at a total level, summarises the outcome of the insurance companies’ reporting to Finansinspektionen using the traffic light model…

• Report in Swedish: The insurance barometer

  För ömsesidiga livförsäkringsföretag utgör aktiekursrisken den största en- skilda risken och motsvarar runt 50 procent av kapitalkravet.
• 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…

• Report: Borrower-based measures following high inflation and rising interest rates

  This applies in particular to the stricter amortisation requirement. 0 5 10 15 20 25 30 35 Deficit 0-2 500 2 500-5 000 5 000- 10 000 10 000
• 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…

• Consumer Protection Report 2025 Summary

  Konsumentskyddsrapport 2025 (Swedish)
• Development on the mortgage market

  • Bank
  • Published
  • Reports

  Published 2009-05-15 - Finansinspektionen (FI) has surveyed the development in the banks’ lending for single-family houses and tenant-owner’s flats. At the end of 2008, Swedish…

• Report in Swedish: Bolån liten risk för bankerna (2009:7)

  36-50 år Ålder över 50 år Småhus Bostadsrätter Räntenivåer Under 2008 fluktuerade bankernas utlåningsräntor kraftigt.
• 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…

• FI-analys 16: How do covered bonds function?

  Covered bonds 22 % Unsecured securities 25 % Deposits from the public 25 % Other deposits 28 % 0 500 1 000 1 500 2 000 2 500 3 000 3 500 2013
• FI Analysis 3: Liquidity in the market for covered bonds

  • Bank
  • Markets
  • Published
  • Reports

  Published 2015-12-01 - The market for covered bonds is important for bank funding and therefore financial stability. The requirements for banks to hold more capital and liquidity…

• FI Analysis 3: Liquidity in the market for covered bonds

  0 500 1000 1500 2000 2500 0 500 1000 1500 2000 2500 2008 2009 2010 2011 2012 2013 2014 2015 Government bonds Treasury bills Index linked
• FI Analysis 23: Can the bond market dampen the credit cycle?

  • Bank
  • Markets
  • Stability
  • Published
  • Reports

  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?

  1 500 2 000 2 500 3 000 3 500 4 000 4 500 2006 2008 2010 2012 2014 2016 2018 Bank lending Market-based finance FINANSINSPEKTIONEN CAN
• 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…

• Stability in the Financial System 2021:2

  Capital requirements of Swedish banks as of Q3 2021
• 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…

• Report: The Swedish Mortgage Market 2024

  Therefore, we focus primarily on home buyers in this section. 0 10 20 30 40 50 60 70 80 Less than TSEK 500 MSEK 0.5–1 MSEK 1–2 MSEK 2–3 MSEK
• From Account to Account VII

  • Bank
  • Consumer
  • Published
  • Reports

  Published 2005-11-18 - On behalf of the government, FI has conducted an investigation during 2005 into the fees charged by banks and the information provided concerning cross-border…

• Report in Swedish: Från konto till konto VII (2005:11)

  År 2003 var avgifterna 50 kr + 60 kr.
• The market for overdue accounts and debt collection

  • Bank
  • Markets
  • Published
  • Reports

  Published 2006-02-20 - Finansinspektionen and Datainspektionen (The Swedish Data Inspection Board) have joined forces to examine the market for the sale of overdue accounts.

• Report in Swedish: Handel med förfallna fordringar och inkasso (2006:3)

  61 900 15 år 41 800 81 500 151 400 20 år 67 300 163 700 383 400 25 år 108 300 329 200 954 000 Återbetalningsförmågan hos en konsument
• The consumer protection on the financial market

  • Consumer
  • Published
  • Reports

  Published 2008-05-30 - Swedish consumers use financial products and services more and more. This makeseveryday life easier and it provides an opportunity to manage risks and to make…

• The consumer protection on the financial market (report summary)

  Report in Swedish: Konsumentskyddet på finansmarknaden (2008:13)
• Consumer protection in the financial markets

  • Consumer
  • Published
  • Reports

  Published 2007-05-31 - Consumers are responsible for their own decisions when it comes to the purchase of financial services and products. Consumers cannot expect central government…

• Consumer protection in the financial markets (report summary)

  Report in Swedish: Konsumentskyddet på finansmarknaden (2007:9)