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FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
- Bank
- Stability
- Published
- Reports
Published 2024-12-11 - During the spring of 2023, one Swiss bank and several US banks failed. Multiple actors in both the US and internationally have analysed the underlying causes.…
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FI Analysis No. 47 The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
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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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Report: Preventing Investment Fraud
This includes measures that would both strengthen the consumer’s own ability to protect themselves and make things harder for the fraudsters throughout
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Risks in the financial system 2012
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
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…
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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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FI Analysis No. 33: Household debt and resilience
Shedding light on what is driving this link is hard.
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Where to Go after the Lamfalussy Report? (2001:8)
- Markets
- Published
- Reports
Published 2001-12-20 - Financial securities market regulation is subject to increasingly rapid reforms. Despite the political interest in different forms of reforms, economic…
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Report: Where to go after the Lamfalussy Report
Furthermore, Bainbridge identifies four means through which insider trad- ing could potentially harm the company.
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Funds with sustainable investment as its objective
- Bank
- Insurance
- Markets
- Published
- Reports
- Sustainability
Published 2022-10-12 - The Swedish Financial Supervisory Authority, Finansinspektionen (FI) has conducted an in-depth analysis of how managers of funds registered in Sweden that…
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Funds with sustainable investment as its objective
Is it specified that the investments do no significant harm?
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Consumer protection on the financial market
- Consumer
- Published
- Reports
Published 2014-05-15 - Consumers on the financial market face a series of challenges and problems. For example, many savings products are complex, advice is often poor and…
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Report: Consumer protection on the financial market
Such investments can carry a high risk and are hard to evaluate.
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Consequences of Brexit for the Swedish financial market
- Bank
- Insurance
- Markets
- Published
- Reports
- Brexit
Published 2018-06-21 - Brexit will become a reality when the UK leaves the EU on 29 March 2019. This will change conditions for cross-border trade in financial services to and from…
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Report: Consequences of Brexit for the Swedish Financial Market
derivatives clearing will become hard to access.
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FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset
- Markets
- Consumer
- Published
- Reports
- Fintech
Published 2021-02-22 - FI conducted a thematic review of the market for financial instruments with crypto-assets as an underlying asset. FI is of the view that there is a lack of…
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FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset
If further analysis shows increased risk for consumer harm, additional legislation to protect consumers will most likely be required.
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Consumer Protection Report 2019
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
Published 2019-04-03 - In this report, Finansinspektionen (FI) presents the most prioritised consumer risks it has identified for 2019. FI also presents the experiences from its…
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Report: Consumer Protection Report 2019
The same would happen if interest rates go up. A key component is the lenders’ obligation to conduct responsible lending business.
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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…
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The stability of the Swedish financial sector (2005:10) - a summary
- Stability
- Published
- Reports
Published 2005-10-18 - Looking at the official reports, the Swedish life-insurers, previously severely hit by declining equity prices and interest rates, have improved their…
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The stability of the Swedish financial sector (2005:10) - a summary
It is very hard to know what the interaction would look like and what the full cross-effects will be of, for example, the new accounting rules and Basle
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The stability of the Swedish financial sector (2006:14) - a summary
- Stability
- Published
- Reports
Published 2006-10-13 - The large banking groups have grown even stronger financially during 2005 and the first half of 2006. Credit losses are virtually zero. With general economic…
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The stability of the Swedish financial sector (2006:14) - a summary
Still, it is hard to see any obvious risks to stability in a short term perspective, provided the macroeconomic situation develops as expected.
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Supervision Report 2012
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
Published 2012-05-24 - The issues presented in this year’s Supervision Report stem from the work on financial consumer protection, financial stability and the requirements on…
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often complex and hard to evaluate.
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Insurance companies handle some traffic injuries too slowly
- Markets
- Published
- Reports
Published 2007-10-30 - Written share offers not covered by prospectus rules improved slightly over the past year. The information contained in these offers is generally still of low…
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Report: Unregulated offers on the stock market – Follow-up 1 (2007:17)
information in unregulated offers is often of poor quality and smaller firms often target consumers, who, in comparison to professional investors, find it harder
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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
If one industry is hit hard for any reason, this can result in large credit losses.
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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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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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Jesper Rangvid: Effects of borrower-based measures
However, if the action also harms other people (externalities), then the argument in favour of intervention is stronger.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
With historic lows for returns on liquid assets, and rising house prices relative to income, young households will also have found it hard to save adequately
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Stability of the Swedish financial sector (2007:16)
- Bank
- Stability
- Published
- Reports
Published 2007-10-15 - Swedish banks are only marginally exposed to the assets that are affected most by this fall's market turbulence. Rather, the increased risks are coupled to…
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Summary: Stability of the Swedish financial sector (2007:16)
The stronger compa- nies are both operationally and financially, the lower the risk that individual or simultaneous negative events will harm them, and
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Stability in the Financial System (2020:1)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
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…
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Do loyal policyholders pay more?
- Insurance
- Consumer
- Published
- Reports
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…
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Report: Do loyal policyholders pay more?
This would happen if the policyholders who had home insurance (building) for a longer duration with the same provider live in stone houses while those
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Stability in the Financial System
- Bank
- Insurance
- Markets
- Consumer
- Stability
- Published
- Reports
Published 2018-05-29 - The Swedish economy continues to be strong, and resilience in the financial system is satisfactory. However, a long period of low interest rates and strong…
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Report: Stability in the Financial System
When the trend breaks, though, which will happen sooner or later, the fall is often hard.
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A necessary step for a better savings market
- Markets
- Consumer
- Published
- Reports
Published 2016-07-14 - FI believes that independent financial advice would play an important role on the savings market, since consumers are at an information disadvantage in…
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Report: A necessary step for a better savings market
However, it is hard to believe that such independent advice will succeed as long as commission-based advice exists.
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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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The first stage in payment problems is when a person does not pay a bill.4 If this happens, they will almost always receive payment reminders (Figure
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Terrorism financing
- Money laundering
- Published
- Reports
Published 2016-03-17 - The national risk assessment regarding the financing of terrorism that was published in June 2014 identified a need to increase knowledge and awareness about…
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The stability of the Swedish financial sector (2004:9) - a summary
- Stability
- Published
- Reports
Published 2004-10-15 - The Swedish life-insurers, previously severely hit by declining eq-uity prices, have clearly improved their financial performance during 2004. However, some…
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The stability of the Swedish financial sector (2004:9) - a summary
prospect of a further improvement in the macroeconomic situation, and with no obvious indications of increas- ing risk levels in lending etc, it is hard
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FI Analysis 18: Swedish risk premia and monetary policy
- Markets
- Stability
- Published
- Reports
Published 2019-10-09 - A disorderly and abrupt increase in international market rates could lead to significantly higher term and equity risk premia. This is the conclusion of an…
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FI Analysis 18: Swedish risk premia and monetary policy
There is also uncertainty among international organizations and authorities that a normalisation of the monetary policy – whenever this happens – can
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Consumer Protection on the Financial Market (2016)
- Consumer
- Published
- Reports
Published 2016-08-18 - One of the main goals of financial supervision is to help provide comprehensive protection for consumers. In its annual report, Consumer Protection on the…
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Report: Consumer Protection on the Financial Market (2016)
This could happen even with very small loans if the consumer has a narrow financial margin.
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FI’s Use of Macroprudential Tools
- Stability
- Published
- Reports
Published 2018-10-18 - Household debt is not primarily a direct threat to financial stability. However, if the economy takes a turn to the worse, many households may be forced, or…
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Report: FI’s Use of Macroprudential Tools
A reduced mortgage cap would have hit the youngest households hard.
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Risks in the financial system 2011
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
Published 2011-11-15 - Sweden has remained relatively stable in a turbulent period but during this time the risk level in the Swedish financial system has also risen. The…
