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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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												FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
- Stability
 - Published
 - Reports
 
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.
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FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
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												FI identifies transition risks in banks’ lending portfolios
- Bank
 - Published
 - News
 - Reports
 - Sustainability
 
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…
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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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												Household savings in Sweden
- Consumer
 - Published
 - Reports
 - Save
 - Consumer
 
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,…
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												FI Analysis No 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
- Bank
 - Stability
 - Published
 - Reports
 
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…
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FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
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												FI-analys 49: Ökad koncentration i handeln på obligationsmarknaderna
- Markets
 - Stability
 - Published
 - News
 - Reports
 
Published 2025-07-07 - Omsättningen och antalet aktörer på obligationsmarknaderna har minskat de senaste åren. Handeln med statsobligationer har blivit mer koncentrerad till ett…
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FI-analys nr 49: Ökad koncentration i handeln på obligationsmarknaderna
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												FI-analys 29: Varför får vissa konsumtionslånetagare betalningsproblem?
- Consumer
 - Published
 - Reports
 - Borrow
 
Published 2021-02-24 - Unga låntagare och de med låg inkomst löper högre risk att få betalningsproblem när de tar konsumtionslån. Samtidigt minskar risken om långivarna gör…
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FI-analys 29: Varför får vissa konsumtionslånetagare betalningsproblem?
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												FI Analysis No. 42: Gender differences in investment behaviour
- Bank
 - Markets
 - Consumer
 - Published
 - News
 - Reports
 
Published 2024-03-18 - The study confirms previous results showing that women are underrepresented in the stock market. The differences arise as early as three years of age, which…
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FI Analysis No. 42: Gender differences in investment behaviour
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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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												FI-analys nr 43: d-SRI: En systemriskindikator för Sverige
- Stability
 - Published
 - Reports
 
Published 2023-12-14 - I den här FI-analysen anpassar vi systemriskindikatorn d-SRI för svenska förhållanden. Indikatorn d-SRI är tänkt att fungera som en varningssignal innan kriser som härstammar från inhemska obalanser uppstår.
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												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…
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												FI Analysis 28: Liquid assets of Swedish households
- Consumer
 - Stability
 - Published
 - Reports
 - Mortgage
 
Published 2021-01-21 - Aggregate statistics indicate that Swedish households are holding significant assets in the form of cash, bank savings, fund shares and securities. 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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												Personal injury claims handling – a follow-up review
- Insurance
 - Published
 - Reports
 
Published 2019-04-11 - Insurance undertakings have taken steps to develop IT systems, customer communication and quality assurance since FI published its previous report on personal…
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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. 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 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
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												The Swedish Mortgage Market (2019)
- Bank
 - Consumer
 - Stability
 - Published
 - Reports
 - Mortgage
 
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…
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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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												FI-analys nr 39: Uppnår kapitalbuffertarna sitt syfte?
- Bank
 - Capital requirements
 - Stability
 - Published
 - Reports
 
Published 2022-12-16 - Kravet på kapitalbas och kvalificerade skulder (MREL) är utformat på ett sätt som gör att bankerna kan bryta mot det innan de bryter mot kapitalkraven. Detta…
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FI-analys nr 39: Uppnår kapitalbuffertarna sitt syfte? – samspelet mellan MREL och kapitalkraven
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												FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
- Consumer
 - Published
 - News
 - Reports
 - Fintech
 - Payments
 - Cryptoassets
 
Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…
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FI Analysis 44: Swedish Retail Trading in Cryptocertificates
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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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												Svenska konsumtionslån
- Consumer
 - Published
 - Reports
 - Borrow
 
Published 2022-12-20 - Svenska hushåll lånar i hög utsträckning till bostadsköp. Men lån finansierar även delar av deras konsumtion. Konsumtionslånen har vuxit snabbt de senaste…
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												Den svenska bolånemarknaden (2021)
- Bank
 - Consumer
 - Stability
 - Published
 - Reports
 - Mortgage
 
Published 2021-03-24 - Nya låntagare fortsätter att ta allt större bolån i förhållande till sin inkomst och bostadens värde. Samtidigt har de marginaler för att klara sina…
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												FI-analys nr 44: De flesta har förlorat pengar på att handla med kryptocertifikat
- Consumer
 - Published
 - News
 - Reports
 - Fintech
 - Payments
 - Cryptoassets
 
Published 2024-05-16 - Mer än hälften av de svenskar som handlat med kryptocertifikat under de senaste sex åren har förlorat pengar på sin investering. Detta trots att den…
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												Open finance in Sweden
- Bank
 - Insurance
 - Markets
 - Consumer
 - Published
 - News
 - Reports
 - Fintech
 
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…
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												FI-analys nr 36: Har FI:s riskviktsgolv påverkat bankernas fastighetsutlåning?
- Bank
 - Stability
 - Published
 - Reports
 
Published 2022-03-16 - I denna FI-analys studerar vi hur riskviktsgolvet påverkat bankernas utlåning till fastighetsföretagen med hjälp av detaljerad utlåningsdata. Syftet är att…
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FI-analys nr 36: Har FI:s riskviktsgolv påverkat bankernas fastighetsutlåning?
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												FI-analys 12: Bolånetaket har dämpat hushållens skulder
- Bank
 - Consumer
 - Stability
 - Published
 - Reports
 - Mortgage
 
Published 2018-04-04 - De som omfattas av bolånetaket lånar mindre och köper billigare bostäder. Det visar utvärderingen av det svenska bolånetaket i FI-analys 12.
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												Firms continue to offer consumers unsuitable products
- Consumer
 - Published
 - News
 - Reports
 - Cryptoassets
 - Save
 - Consumer
 - Insure
 - Pay
 - Borrow
 
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…