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Consequences of Brexit for the Swedish financial market
- Bank
- Insurance
- Markets
- Published
- Reports
- Brexit
Published 2018-06-21 - scenario in which the UK leaves the EU without the future relationship between them clearly defined and the UK becomes a third country among others (a hard
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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’s Use of Macroprudential Tools
- Stability
- Published
- Reports
Published 2018-10-18 - A reduced mortgage cap would have hit the youngest households hard.
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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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Borrower-based measures following high inflation and rising interest rates
- Bank
- Published
- Reports
- Mortgage
Published 2022-11-11 - Individual mortgage holders could also be hit hard by economic developments going forward.
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Report: Borrower-based measures following high inflation and rising interest rates
had room for liquid savings.
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Stability in the Financial System (2021:1)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
Published 2021-06-01 - However, fiscal policy measures that target sectors hit hard by the crisis should not be withdrawn too early since this could slow the economic recovery
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FI Analysis 9: Households’ interest rate adjustment periods – an economic vulnerability?
- Bank
- Stability
- Published
- Reports
- Mortgage
Published 2017-03-13 - On the other hand, high interest rate sensitivity could mean that households would be particularly hard-hit if interest rates rose without a parallel increase
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FI Analysis 9: Households’ interest rate adjustment periods – an economic vulnerability?
On the one hand, interest rates usually follow household income.
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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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had issued credit notes backed by copper coins that it could not cover.
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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
became apparent that they had fallen victim to investment fraud with the justification that they had contributed to money laundering.
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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)
investors, find it harder to ask the right questions and place the proper demands on the companies.
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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
Furthermore, the fi rm had not informed its customers of the remuneration it had received from other fi rms.
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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
The scope of the effect is also at hand.
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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
growing market for mortgage lending and a very low level of credit losses – in fact, in mid-2005 the Swedish banking sector, taken as an aggregate, had
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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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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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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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The most serious was that the company had had problems in reaching the statutory solvency ratio, and had failed to reach it on several occasions.
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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
LTV restrictions in December 2016, 15 out of 36 countries had DSTI restrictions and 18 out of 36 countries had other credit restrictions.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
In other words, the additional affordability test had only a limited effect.
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FI Analysis 26: Macro-based credit loss model for major Swedish banks
- Bank
- Stability
- Published
- Reports
- Mortgage
- Coronavirus
Published 2020-11-24 - Large credit losses can result in otherwise profitable banks reporting a loss. This FI Analysis describes a methodology for estimating how large credit losses…
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FI Analysis No 26: Macro-based credit loss model for major Swedish banks
had 26 per cent.
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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
in hand.
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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)
either not altered their savings or did not know whether they had done so.
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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
• During 2006, a small non-bank deposit-taking credit institution, Custodia, had its license withdrawn by FI, and went bankrupt a few months
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FI Supervision 9: Banks’ work on information and cyber security
- Bank
- Published
- Reports
- Fintech
Published 2018-12-07 - Several banks are working to develop and enhance their information and cyber security. Some have not yet fully adapted their work to the changed conditions…
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FI Supervision No. 9: Information and Cyber Security work in Banks
Banks with critical internet channels should prioritise regular penetration tests of these and regular automatic vulnerability hardware and software
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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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Report: Household savings in Sweden
Return and risk normally go hand in hand – higher returns typically require greater risks.
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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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Bank interest rates and lending, Q3 2012
- Bank
- Published
- Reports
Published 2012-11-26 - Swedish banks have already largely adapted to the forthcoming requirements regarding capital adequacy and access to liquidity. The stricter requirements…
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Report: Bank interest rates and lending, Q3 2012
However, the economic costs of the regulations are hard to quantify.
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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
They had had their prospectuses approved in Sweden or in another EU member state and targeted Swedish consumers.
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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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Supervision Report 2013
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
Published 2013-05-28 - Many of the development trends in today’s financial markets raise important issues for FI. For consumers, greater mobility and increasingly complex financial…
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often complex and hard to evaluate.
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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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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…
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Consumer protection in the financial markets (report summary)
On the other hand FI does not intervene in the dealings of individual customers and firms.
Report in Swedish: Konsumentskyddet på finansmarknaden (2007:9)
Konsumenten ska inte förvänta sig att staten tar hand om eller skyddar mot förluster till följd av finansiella risker som konsumenten själv väljer att
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Crisis readiness in the finance sector
- Stability
- Published
- Reports
Published 2005-03-17 - Since 2000, Finansinspektionen (FI) has conducted exercises, arranged seminars and undertaken analyses aimed at strengthening the financial sector's crisis…
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Report in Swedish: Finanssektorns krisberedskap (2005:3)
Dock försöker man begränsa effekterna genom att i första hand stänga kontor på orter där man har flera kontor, i andra hand samverka med konkurrenter
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Government bond market – the need for regulation and supervision
- Bank
- Markets
- Published
- Reports
Published 2007-07-12 - This report discusses Finansinspektionen’s view on the need for regulation andsupervision in the government bond market. FI’s level of ambition in…
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Government bond market – the need for regulation and supervision (report summary)
On the other hand, there can be other conflicts of interest where there is reason to impose clear requirements on their management.
Report in Swedish: Statsobligationsmarknaden – behovet av reglering och tillsyn (2007:14)
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