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Legal Position: Rule interpretation for deposits via digital platforms
- Bank
- Published
- News
- Reports
- Fintech
Published 2025-03-24 - shows that the volume of overnight deposits via the platforms for an individual institution can decrease by as much as 50 per cent from one month to the next … However, for the next reporting occasion, the institutions should use the weights and factors referred to in this legal position.
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Assessment of Stockholmsbörsen as a central counterparty
- Markets
- Published
- Reports
Published 2007-02-19 - It is our intention to update the assessment next year.
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Report in Swedish: Utvärdering av Stockholmsbörsen AB som central motpart, 2006 (2007:2)
Icke desto mindre kan positionerna på de olika handelskontona nettas på clearingkontot.
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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 - However, there is a clear expectation of lower interest rates going forward, and consumption will probably pick up again in the next year. … New regulations pending One key step in strengthening the resilience of financial firms is the DORA regulation, which enters into force in January next
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Stability in the Financial System (2024:2)
Several of the banks have compensated for this through an improvement in net commission income and net financial income, at least in recent quarters.
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FI would like the financial market to shift its sustainability work into the next gear
- Stability
- Published
- Reports
- Sustainability
Published 2024-05-20 - FI would like the financial market to shift its sustainability work into the next gear
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Sustainability – how has the financial sector progressed?
The assessment will not be included in the 2024 SREP but can influence next year’s process.
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AI increasingly common in the financial sector, but risk management is lagging behind
- Bank
- Insurance
- Markets
- Published
- News
- Reports
- Fintech
- Payments
Published 2024-12-06 - Of the firms using AI today, 91 per cent say that they have begun to prepare for the application of the AI Regulation or plan to do so in the next few
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Report: AI in the Swedish financial sector
Category C includes firms that are neither using nor planning to use AI in the next 12 months.
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Funds with sustainable investment as its objective
- Bank
- Insurance
- Markets
- Published
- Reports
- Sustainability
Published 2022-10-12 - As a next step, FI is planning communication and dialogue meetings with the industry.
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Funds with sustainable investment as its objective
FINANSINSPEKTIONEN Funds with sustainable investment as its objective Next steps 17 Next steps It is a prerequisite that disclosures are accurate
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FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
- Consumer
- Published
- Reports
- Borrow
Published 2021-05-12 - all borrowers in Sweden (who are natural persons) receive at least one injunction to pay, and 0.7 percentage points of them still have the debt the next
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FI Analysis 32: Loans, payment problems and debts at the Swedish Enforcement Authority
Unpaid collection notices also lead to the next stage in payment problems.
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Stability in the Financial System (2021:2)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
Published 2021-11-23 - FI has set the buffer at 1 per cent, and it goes into effect as of September next year.
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Capital Requirements for Banks with Basel 2
- Bank
- Capital requirements
- Published
- Reports
Published 2006-06-16 - The Basel Committee on Banking Supervision and CEBS have conducted a study on how the new capital adequacy regulations that enter into force next year
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Report: Capital Requirements for Banks with Basel 2 (2006:6)
Summary The Basel Committee on Banking Supervision and CEBS1 have conducted a study on how the new capital adequacy regulations that enter into force next
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Interest rate puts pressure on indebted households
- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
Published 2024-05-29 - The interest rate is expected to decrease in the near future, but according to most forecasters, it will continue to be high for the next few years rather
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The Swedish Mortgage Market Report
Note: Refers to estimated interest expense after deduction for the mortgage in the sample in relation to the household’s net income.
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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)
On the other hand, many firms are still being valued at a significant discount in relation to their long-term net worth.
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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
This is a neat way to test the welfare effects of BBMs.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
The debt servicing amount shall be limited to 80% of the borrower’s "net disposable income".
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The Bank Barometer: Net profit of Swedish banks continues to increase
- Bank
- Published
- News
- Reports
Published 2025-04-24 - Swedish banks’ net profit increased by SEK 4 billion in 2024 despite a decrease in net interest income. These are the main conclusions in Finansinspektionen’s…
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This increase was primarily due to higher net commission income, although a decrease in net interest income and administrative expenses applied some
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Risks in the financial system 2009
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
Published 2009-11-10 - Finansinspektionen is charged with ensuring that the financial system isstable and efficient and that consumer protection is adequate. We carry outthese…
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Report: Risks in the financial system 2009
Net interest income decreased while net income on financial transactions increased.
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Bank interest rates and lending, Q2 2012
- Bank
- Published
- Reports
Published 2012-08-28 - The growth rate of lending to households and corporations is decreasing, but remains positive and is clearly higher than the corresponding figure for the…
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Report: Bank interest rates and lending Q2:2012
NET INTEREST INCOME The banks’ net interest income is the difference between interest income and interest expense.
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The Bank Barometer: Swedish banks’ lending to the public continues to increase
- Bank
- Published
- News
- Reports
Published 2025-11-19 - The Bank Barometer shows that Swedish banks’ net profit decreased by SEK 2 billion during the first half of 2025 compared to the second half of 2024. The…
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The Bank Barometer November 2025
The Swedish banks’ net profit decreased during the first half of 2025 compared to the second half of 2024.
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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
NET INTEREST INCOME The banks’ net interest income is the difference between its interest income and interest expenses.
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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
Next, we outline two possible crisis scenarios that may be relevant for Sweden.
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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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Risks in the financial system 2013
- Bank
- Insurance
- Stability
- Published
- Reports
Published 2013-11-14 - Swedish banks are relatively strong, but they continue to be vulnerable to disruptions on the financial markets, and the development within the Euro zone…
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Risks in the financial system 2013
The higher the number of defaults, the lower the credit volume will be in the next period.
Finansinspektionen's stress test of major Swedish banks
LCR Q 3, 2013 ■■ Net Stable Funding Ratio The aim of the Net Stable Funding Ratio (NSFR) is for companies to a greater extent to fund long-term
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Risks in the financial system 2010
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
Published 2010-10-29 - Finansinspektionen believes the risk level in the Swedish financial sector is lower than last year. Both Sweden’s economy and the situation on the financial…
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Report: Risks in the financial system 2010
Both net interest income and net income from financial transactions have fallen from 2009 levels, which was partially compensated by an increase in net
Memo: Stress test major banks 2010
The higher the number of defaults, the lower the credit volume will be in the next period.
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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
the firm's net assets.
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Stability in the Financial System (2018:2)
- Bank
- Insurance
- Markets
- Consumer
- Stability
- Published
- Reports
Published 2018-11-27 - The economy continues to be strong, both in Sweden and globally, but it is now showing signs of a slow-down. Interest rates have been low for a long period of…
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Report: Stability in the Financial System
Major banks’ net interest income indexed, base Q1 2008.
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Stability in the Financial System (2025:2)
- Bank
- Insurance
- Markets
- Consumer
- Stability
- Published
- Reports
- Payments
Published 2025-11-26 - The sentiment in the Swedish economy has improved in recent months even if households continue to demonstrate weaker sentiment than normal.
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Stability in the Financial System (2025:2)
assets (net worth).
Note: Return on equity is calculated using the European Banking Authority’s (EBA) method, net income is extrapolated at an annual rate, and equity is calculated
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Finansinspektionen’s strategy to prevent greenwashing
- Bank
- Insurance
- Markets
- Published
- About FI
- Reports
- Sustainability
Published 2022-12-13 - FI’s strategy for preventing greenwashing in the financial sector aims to safeguard the trust in sustainable investments and a sustainable finance market.
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Finansinspektionen’s strategy to prevent greenwashing
See the next section.
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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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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
For insurance liabilities it is clear that it will only be a first step towards implementation next year, while the more complex rules will have to be
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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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FI Analysis 28: Liquid assets of Swedish households
Our method also makes it possible to calculate net loan-to-value ratios – loans minus assets divided by the value of the home – and net loan-to-income
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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Payments
Published 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances. Finansinspektionen (FI) is now seeing a decline in…
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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
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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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Report: Risks in the financial system 2012
It is assumed that the banks will distribute 40 per cent of their net profit if they report a net profit and nothing if they report a loss.
Memo: Finansinspektionen stress tests major Swedish banks
■ ■ Which sectors do you believe will be the most vulnerable in the next twelve months?
