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FI Analysis 52: Stress test of banks’ lending to non-financial firms
- Bank
- Stabilitet
- Publicerat
- Rapporter
- Redovisning
Publicerad 2025-11-27 - Commercial real estate firms constitute the single largest risk of credit losses for banks in a stressed scenario. However, other sectors’ total loss…
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
Stability in the Financial System, November 2025, Stability Report, FI Ref. 25-30190. IMF (2019).
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FI Analysis 51: A model for households’ housing choices
- Konsumentskydd
- Publicerat
- Rapporter
- Bolån
Publicerad 2025-11-27 - Households that experience greater buying power tend to choose homes of a higher standard over amortisation payments or savings. This is evident in a new…
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FI Analysis 51: A model for households’ housing choices
26 November 2025, FI Ref. 25-16660 * The authors would like to extend special thanks to Malin Alpen, Susanne Andersson, Agneta Blomquist, Alberto Crosta
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Stability in the Financial System (2025:2)
- Bank
- Försäkring
- Marknad
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Betalningar
Publicerad 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)
The years on the X axis refer to the annual reports on which the stress test is based.
The years on the X axis refer to the annual reports on which the stress test is based.
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The Bank Barometer: Swedish banks’ lending to the public continues to increase
- Bank
- Publicerat
- Nyheter
- Rapporter
Publicerad 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
We primarily refer to banks and credit market companies collectively as banks.
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FI Analysis 46: Poor profitability for consumers from autocalls
- Konsumentskydd
- Publicerat
- Rapporter
- Spara
- Konsument
Publicerad 2025-09-01 - Finansinspektionen has highlighted in multiple reports that many structured products are unsuitable for most consumers. In a new analysis, FI has analysed…
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FI Analysis 46: Poor profitability for consumers from autocalls (Summary)
18 november 2024, FI Ref. 24-32650 The FI Analysis series has been presented at an internal seminar at FI.
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FI Analysis 49: Increased concentration in trading on the Swedish bond markets
- Marknad
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
Publicerad 2025-07-23 - The turnover and the number of actors on the bond markets have decreased in recent years. Trading of government bonds has become more concentrated to a few…
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FI Analysis No. 49 Summary - Increased concentration in trading on the Swedish bond markets
07 July 2025, FI Ref. 25-19045.
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Stability in the Financial System (2025:1): Uncertainty could persist for a while
- Bank
- Försäkring
- Marknad
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 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)
REPORT Stability in the Financial System 15 May 2025 2 FI Ref. 25-10609 Contents REPORT ............................................
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Bankbarometern: Svenska bankers nettoresultat fortsätter att öka
- Bank
- Publicerat
- Nyheter
- Rapporter
Publicerad 2025-04-24 - Bankbarometern visar att svenska bankers nettoresultat ökade med 4 miljarder kronor under 2024. Ökningen skedde trots att räntenettot minskade. Rapporten…
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The Swedish Mortgage Market: Households need to have margins for an uncertain future
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Bolån
- Låna
Publicerad 2025-04-07 - The conditions for household finances improved in 2024. As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in…
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Report: The Swedish Mortgage Market 2024
REPORT The Swedish Mortgage Market 02 April 2025 FINANSINSPEKTIONEN The Swedish Mortgage Market Contents 2 FI Ref. 25–8159 Contents
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Bolånerapporten: Hushållen behöver ha marginaler för en osäker framtid
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Bolån
- Låna
Publicerad 2025-04-02 - De ekonomiska förutsättningarna för hushållen förbättrades under 2024. Så många som 8 av 10 hushåll valde rörlig ränta, vilket är en högre andel än tidigare…
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Den svenska bolånemarknaden 2024
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Legal Position: Rule interpretation for deposits via digital platforms
- Bank
- Publicerat
- Nyheter
- Rapporter
- Fintech
Publicerad 2025-03-24 - An increasing number of banks and other credit institutions are offering savings via digital deposit platforms. This makes them more vulnerable since the…
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Household savings in Sweden
- Konsumentskydd
- Publicerat
- Rapporter
- Spara
- Konsument
Publicerad 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
We refer to these products collectively as other savings.
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How FI reviews money laundering risks in the financial sector in 2025
- Bank
- Försäkring
- Marknad
- Penningtvätt
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 2025-03-10 - There is a high risk that the financial system is used by criminals to launder money and commit other crimes. In 2025, the Financial Supervisory Authority…
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FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Konsument
- Låna
Publicerad 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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27 February 2025, FI Ref. 25-2664 * Andersson is employed at FI and Üye at the Swedish Enforcement Authority.
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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
- Stabilitet
- Publicerat
- Rapporter
Publicerad 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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Specify date., FI Ref. 24-33290 * The authors would like to extend special thanks to Filip Elmkvist, David Lundqvist, Mattias Odenberg, Alexander Pallin
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FI Supervision 30: The banks can strengthen their sanction screening
- Bank
- Penningtvätt
- Publicerat
- Rapporter
- Fördjupad analys
- Betalningar
Publicerad 2024-12-09 - FI has tested the effectiveness of 19 banks' automated sanction screening systems. The result shows that the effectiveness of the systems that the banks use…
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In depth analysis on sanction screening
screening No. 30 06 November 2024 FINANSINSPEKTIONEN In-depth analysis of banks’ systems for sanctions screening Contents 2 FI Ref
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AI increasingly common in the financial sector, but risk management is lagging behind
- Bank
- Försäkring
- Marknad
- Publicerat
- Nyheter
- Rapporter
- Fintech
- Betalningar
Publicerad 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…
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Report: AI in the Swedish financial sector
REPORT AI in the Swedish financial sector 06 December 2024 FINANSINSPEKTIONEN AI in the Swedish financial sector 2 FI Ref. 24-18158
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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 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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Stability in the Financial System (2024:2)
Available in Swedish. 26 See “Samlad utvärdering av makrotillsynsåtgärder”, FI Ref. 21-17295.
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FI proposes enhanced preventive work in efforts to prevent investment fraud
- Konsumentskydd
- Publicerat
- Rapporter
- Bedrägerier
Publicerad 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
REPORT Preventing Investment Fraud 31 October 2024 FINANSINSPEKTIONEN Preventing Investment Fraud Contents 2 Ref. 24-30306 Contents
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Årets andra bankbarometer: så utvecklades banksektorn första halvåret 2024
- Bank
- Publicerat
- Nyheter
- Rapporter
Publicerad 2024-10-24 - De svenska bankernas utlåning till allmänheten växte med 0,4 procent mellan det andra kvartalet 2024 och motsvarande kvartal 2023. Det är en betydande…
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Two expert reports on macroprudential policy measures
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 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
Externalities refer to situations in which economic activities (consumption, investment, production) of some individuals (or firms) influence other individuals
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
(50), (36) Agent-based models (ABMs) & Multi-agent systems (MAS) Housing market models & BBMs Most of the models were in- spired by (52), (53) or ref
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Två expertrapporter om makrotillsynsåtgärder
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 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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Jesper Rangvid: Effects of borrower-based measures
Externalities refer to situations in which economic activities (consumption, investment, production) of some individuals (or firms) influence other individuals
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
(50), (36) Agent-based models (ABMs) & Multi-agent systems (MAS) Housing market models & BBMs Most of the models were in- spired by (52), (53) or ref
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Interest rate puts pressure on indebted households
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Bolån
- Låna
Publicerad 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…
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The Swedish Mortgage Market Report
Stockholm, Gothenburg and Malmö refer to metropolitan regions.
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FI Analysis 45: High risks in small and mid-sized commercial real estate firms
- Bank
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…
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FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
This means that all firms in the analysis refer to groups of firms and not individual firms.
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Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 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
REPORT Stability in the Financial System 27 May 2024 FINANSINSPEKTIONEN Stability in the Financial System Content 2 FI Ref. 24–14801
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FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Fintech
- Betalningar
- Kryptotillgångar
Publicerad 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
16 May 2024, FI Ref. 24-14630 * The author would like to extend special thanks to Alberto Crosta, Agneta Blomquist, Annika Otz, Henrik Lennefeldt,
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FI would like the financial market to shift its sustainability work into the next gear
- Stabilitet
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…
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Sustainability – how has the financial sector progressed?
Contents 2 FI Ref. 24–5321 Contents Foreword .................................................................................... 3 Summary
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Firms continue to offer consumers unsuitable products
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Kryptotillgångar
- Spara
- Konsument
- Försäkra
- Betala
- Låna
Publicerad 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…
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Consumer Protection Report 2024
Report 2024 REPORT Consumer Protection Report 2024 8 May 2024 FINANSINSPEKTIONEN Consumer Protection Report 2024 Foreword 2 Ref
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FI prioritizes particularly vulnerable sectors to combat money laundering
- Penningtvätt
- Publicerat
- Rapportering
- Nyheter
- Rapporter
- Betalningar
- Kryptotillgångar
Publicerad 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…
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Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
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FI publicerar årets första bankbarometer
- Bank
- Publicerat
- Nyheter
- Rapporter
Publicerad 2024-04-17 - De svenska bankernas lönsamhet var fortsatt hög under det andra halvåret 2023, även om den avtog något under det fjärde kvartalet 2023. Bankernas utlåning…
