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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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Två expertrapporter om makrotillsynsåtgärder
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
Published 2024-09-25 - Amorteringskrav, skuldkvoter och tak för belåningsgrad är verktyg för makrotillsyn i Sverige och många andra länder. Men vilka är de potentiella effekterna av…
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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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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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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
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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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Stability in the Financial System (2019:2)
- Bank
- Insurance
- Markets
- Consumer
- Stability
- Published
- Reports
Published 2019-11-28 - The low interest rates are expected to remain low for a longer period of time. It could lead to greater risk-taking among various actors, and increased…
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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 Analysis No. 39: Are the capital buffers fulfilling their purpose?
- Bank
- Capital requirements
- Stability
- Published
- Reports
Published 2022-12-16 - The minimum requirement for own funds and eligible liabilities (MREL) is designed in such a way that the banks can breach it before they breach the capital…
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Stability in the Financial System (2021:1)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
Published 2021-06-01 - The economy is continuing to recover. Support measures have been necessary to speed up the recovery, but they need to be gradually phased out as the economy…
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FI Analysis 25: Interest rate deductions and households’ loans
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
Published 2020-11-17 - In this FI Analysis, we calculate the impact of a change to the interest deduction. The reason for this analysis is the direct link between interest deductions and households’ loans.
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FI Analysis 25: Interest rate deductions and households’ loans
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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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The Commercial Real Estate Market and Financial Stability
- Bank
- Stability
- Published
- Reports
Published 2019-05-28 - The commercial real estate market plays a key role in financial stability. The financial position of commercial firms is currently satisfactory, but many…
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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 Analysis 15: Do banks still benefit from an expectation of an implicit state guarantee?
- Bank
- Capital requirements
- Stability
- Published
- Reports
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…
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FI Analysis 15: The value of an implicit state guarantee for systemic banks
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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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Stability in the Financial System (2017:2)
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
Published 2017-11-29 - The Swedish economy continues to be strong and interest rates are extremely low, which contributes to high asset prices and low risk premiums. As global…
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Consumer Protection Report 2023
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
- Payments
Published 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.
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Stability in the Financial System (2023:1)
- Bank
- Insurance
- Stability
- Published
- Reports
- Payments
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…
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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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Crowdfunding in Sweden
- Consumer
- Published
- Reports
Published 2015-12-15 - Alternative forms of funding can have a positive effect on the competition in and efficiency of the financial market by enabling more projects to find funding…
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FI Analysis 24: Stress test of bank lending to commercial real estate firms
- Bank
- Stability
- Published
- Reports
Published 2020-11-11 - This FI Analysis describes the stress test FI used to analyse how the commercial real estate firms' financial position, and the banks' related credit risks, can be affected by a negative macroeconomic development.
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FI Analysis 24: Stress test of bank lending to commercial real estate firms
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Stability in the Financial System (2022:2)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
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…
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Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
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FI-analys 9: Hushållens räntebindningstid – en ekonomisk sårbarhet?
- Bank
- Stability
- Published
- Reports
- Mortgage
Published 2017-03-13 - Svenska hushåll har stora skulder till rörlig ränta. Det gör dem räntekänsliga eftersom stigande räntor kan minska deras månatliga marginaler märkvärt.
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FI-analys 9: Hushållens räntebindningstid – en ekonomisk sårbarhet?
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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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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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Consumer Protection Report 2020
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
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…
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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,…
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Stability in the Financial System (2025:1): Summarized stability assessment
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FI Analysis No. 37: Stress tests of funds’ liquidity risks
- Markets
- Stability
- Published
- Reports
- Funds
Published 2022-11-29 - FI’s stress tests show that the majority of Swedish funds appear to be able to handle relatively large outflows in an effective manner. However, some…
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FI-analysis nr 37: Stress tests of investment funds’ liquidity risks (Summary)
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FI-analys 46: Autocalls lönar sig dåligt för konsumenter
- Consumer
- Published
- Reports
- Save
- Consumer
Published 2024-11-18 - FI har i flera rapporter pekat på att många strukturerade produkter är olämpliga för de flesta konsumenter. I en ny analys har FI kartlagt konsumenters…
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FI Analys 46: Stora risker och lägre avkastning med strukturerade investeringsprodukter