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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 2022-12-21 - Our calculations, which are based on the Riksbank's forecasts for inflation and the repo rate, shows
Published 2021-12-07 - The risk tolerance is evident in their business model, which consists in part of how they conduct their … borrow from a lender with low risk tolerance, and therefore these loans normally have a low interest rate
Published 2023-07-25 - As well as following up on this during the year, we will take a closer look at the way that 'payday lenders
Published 2024-05-23 - In Sweden, trading in cryptocertificates is a common way to invest in cryptoassets.
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
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…
Published 2024-12-11 - conditions together led to the build-up of a number of vulnerabilities: poor profitability, high interest rate
Published 2025-04-07 - As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in previous … Many new mortgagors chose a variable rate The share of households with a variable interest rate increased
Published 2024-05-29 - Today, the average interest rate is the highest it has been since 2008.
Published 2024-11-20 - Sweden continues to experience a mild economic downturn, but interest rate cuts are contributing to improved … The Riksbank's interest rate cuts are contributing to increased optimism about the future, primarily
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 2023-11-28 - commercial real estate firms as they have high debt, are very sensitive to changes in the interest rate
FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
Published 2022-11-29 - High inflation has led to rapidly rising interest rates. Given the current rapid change in conditions, both participants on the financial markets and…
Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
Published 2023-12-14 - As the Riksbank started raising the policy rate to combat inflation in 2022, we have simultaneously witnessed
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
Published 2023-05-31 - Since the publication of the stability report last autumn, inflation has slowed somewhat in the large economies but is still significantly higher than the…
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 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 2024-05-27 - The Riksbank has lowered the main policy rate, and market actors are expecting more interest rate cuts
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 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances … Higher interest rate costs are putting pressure on households and companies with smaller margins.
Stability in the Financial System 2023:2
Stability in the Financial System – Stability Assessment
FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
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 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and…
Published 2019-10-09 - affected to a greater extent by international market rates than by an unexpected increase in the policy rate
Published 2020-11-11 - Commercial real estate firms are sensitive to changes in interest rate expenses and income.
FI Analysis 24: Stress test of bank lending to commercial real estate firms
Published 2020-02-14 - Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of…
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…
FI-analys 27: Non-financial firms and financial stability: a description of vulnerabilities
Published 2024-12-06 - The new generative AI technology has spread rapidly and extensively throughout the Swedish financial sector. At the same time, the work to manage the risks…
Published 2023-03-28 - Many forecasters predicted that an economic downturn was on its way.
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…
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 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 2022-12-21 - Our calculations, which are based on the Riksbank's forecasts for inflation and the repo rate, shows
Published 2021-12-07 - The risk tolerance is evident in their business model, which consists in part of how they conduct their … borrow from a lender with low risk tolerance, and therefore these loans normally have a low interest rate
Published 2023-07-25 - As well as following up on this during the year, we will take a closer look at the way that 'payday lenders
Published 2024-05-23 - In Sweden, trading in cryptocertificates is a common way to invest in cryptoassets.
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
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…
Published 2024-12-11 - conditions together led to the build-up of a number of vulnerabilities: poor profitability, high interest rate
Published 2025-04-07 - As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in previous … Many new mortgagors chose a variable rate The share of households with a variable interest rate increased
Published 2024-05-29 - Today, the average interest rate is the highest it has been since 2008.
Published 2024-11-20 - Sweden continues to experience a mild economic downturn, but interest rate cuts are contributing to improved … The Riksbank's interest rate cuts are contributing to increased optimism about the future, primarily
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 2023-11-28 - commercial real estate firms as they have high debt, are very sensitive to changes in the interest rate
FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
Published 2022-11-29 - High inflation has led to rapidly rising interest rates. Given the current rapid change in conditions, both participants on the financial markets and…
Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
Published 2023-12-14 - As the Riksbank started raising the policy rate to combat inflation in 2022, we have simultaneously witnessed
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
Published 2023-05-31 - Since the publication of the stability report last autumn, inflation has slowed somewhat in the large economies but is still significantly higher than the…
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 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 2024-05-27 - The Riksbank has lowered the main policy rate, and market actors are expecting more interest rate cuts
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 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances … Higher interest rate costs are putting pressure on households and companies with smaller margins.
Stability in the Financial System 2023:2
Stability in the Financial System – Stability Assessment
FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
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 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and…
Published 2019-10-09 - affected to a greater extent by international market rates than by an unexpected increase in the policy rate
Published 2020-11-11 - Commercial real estate firms are sensitive to changes in interest rate expenses and income.
FI Analysis 24: Stress test of bank lending to commercial real estate firms
Published 2020-02-14 - Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of…
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…
FI-analys 27: Non-financial firms and financial stability: a description of vulnerabilities
Published 2024-12-06 - The new generative AI technology has spread rapidly and extensively throughout the Swedish financial sector. At the same time, the work to manage the risks…
Published 2023-03-28 - Many forecasters predicted that an economic downturn was on its way.
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…
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?