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• Stability in the Financial System (2025:1): Uncertainty could persist for a while

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  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,…

• Stability in the Financial System (2025:1)

  But due to the current trade policy in the USA, forecasters such as the Organisation for Economic Co-operation and Development (OECD) and the International
• FI notifies the EU regarding the extension of the existing risk-weight floor for Swedish mortgages and commercial real estate

  • Bank
  • Kapitaltäckning
  • Stabilitet
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  • Särskilda PM & beslut
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  • ESRB

  Publicerad 2025-04-30 - FI has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to extend for a period of two years the existing risk weight floor…

• •Notification of intended extension to be taken under Article 458 (CRE)

  •Notification of intended extension to be taken under Article 458 (RRE)

  •Notification template for measures to be taken under Article 458 of the Capital Requirements Regulation (CRR) (CRE)

  •Notification template for measures to be taken under Article 458 of the Capital Requirements Regulation (CRR) (RRE)
• AI increasingly common in the financial sector, but risk management is lagging behind

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  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…

• Report: AI in the Swedish financial sector

  Many firms state that they use external services that offer generative AI models to generate code.
• MoU between SRB, ECB, SNDO and FI

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  Publicerad 2025-01-31 - A Memorandum of Understanding has been signed between the Single Resolution Board (SRB), the European Central Bank (ECB), the Swedish National Debt Office…

• Memorandum of Understanding between the Single Resolution Board, the European Central Bank, Swedish National Debt Office and Finansinspektionen

  This MoU will come into effect on the date it has been signed by all the Participants. 41.
• Financial education continues to be important for strengthening consumers

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  Publicerad 2024-10-18 - Many people find it difficult to make decisions about their finances. The majority of Swedes understand financial terms but are not knowledgeable about how…

• Report: FI’s Work with Financial Literacy

  There are also notable differences between groups when it comes to financial literacy and knowledge.
• Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs

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  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…

• Stability in the Financial System (2024:2)

  This break in the trend comes after a long period of steady increases in lending to non-financial corporations.
• Protect consumers’ access to payment accounts

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  Publicerad 2023-10-31 - We also call for greater clarification regarding co-operation and areas of responsibility when it comes to crisis management between government authorities

• FI:s consultation response (In Swedish)

  The Payment Investigation (In Swedish) - Staten och betalningarna (SOU 2023:16)
• Protect consumers’ access to payment accounts

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  • Remissvar
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  Publicerad 2023-10-31 - We also call for greater clarification regarding co-operation and areas of responsibility when it comes to crisis management between government authorities

• FI:s consultation response (In Swedish)

  The Payment Investigation (In Swedish) - Staten och betalningarna (SOU 2023:16)
• Interest rate puts pressure on indebted households

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  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…

• The Swedish Mortgage Market Report

  at the end of 2021 com- pared to 1997.
• FI identifies transition risks in banks’ lending portfolios

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  Publicerad 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…

• Report: Transition risks in banks’ lending portfolios

  borders that arise from a firm’s own production. 11 In 2022, emissions from the installations included in the EU ETS amounted to 18 million tonnes Co2e
• Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment

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  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…

• Stability in the Financial System

  Even if the policy rate is expected to come down somewhat in the future, implied markets pricing is indicating that the interest rate will not come down
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

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  • 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…

• FI Analysis 44: Swedish Retail Trading in Cryptocertificates

  The origin of these assumptions comes from studying various actors’ price lists for trading these instruments and reviewing the prospectuses for the
• Our supervision priorities for 2024

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  Publicerad 2024-02-08 - Are consumers being offered the right services on the financial market? How is the sector delivering crucial services in an uncertain global environment? How…

• Supervision priorities for 2024

  review that financial corporations are doing what they should to protect themselves from being used for criminal purposes Society as a whole needs to come
• FI Analysis No. 42: Gender differences in investment behaviour

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  Publicerad 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…

• FI Analysis No. 42: Gender differences in investment behaviour

  The benefit of diversification mainly comes from lower risk, making it hard to argue that an individual who invests in an additional stock automatically
• FI Supervision 27: Non-life insurance undertakings’ product approval processes

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  Publicerad 2023-09-21 - The process for product approval is central from a consumer protection perspective. It aims to ensure that insurance undertakings focus on consumer interests…

• FI Supervision 27: Non-life insurance undertakings' product approval processes

  It is always linked to a base cover such as home insurance (content and/or building) and auto insurance.
• Open finance in Sweden

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  Publicerad 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…

• Open finance in Sweden

  Based on its dialogue with firms and participants in the industry, FI views Sweden to lie far ahead of the curve when it comes to transferring pensions
• FI notifies the EU regarding the introduction of new risk weight floor for commercial real estate

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  Publicerad 2023-05-15 - Finansinspektionen has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to introduce weight floor for commercial real…

• Notification under Article 458 CRR (national flexibility measure)

  Cover Letter: Notification of the intended introduction of risk weight floors under Article 458 of the Capital Requirements Regulation

  Proposal for new risk weight floors for bank loans to commercial properties (2023-03-29)
• Updated approach to assessing Pillar 2 guidance for Swedish banks

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  Publicerad 2023-05-31 - Finansinspektionen has decided on an updated approach for assessing the size of the Pillar 2 guidance for Swedish banks. The updated method contains in part…

• Updated approach to assessing Pillar 2 guidance for Swedish banks

  The surplus is then used to cover deficits that have been generated in other parts of the sensitivity-based stress test.
• Climate-related transition risks must be given priority

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  Publicerad 2022-04-08 - The data and methods available for measuring climate-related transition risks are under development. There is a lot of work going on in this area, in the…

• Transition risks in the banks' loan portfolios – an application of PACTA

  The forecasts need to cover five years.
• The countercyclical buffer rate will be raised

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  • Kontracyklisk buffert

  Publicerad 2022-06-22 - FI has decided to raise the countercyclical buffer rate to 2 per cent, which is its neutral level. This was already communicated in the report Stability in…

• Decision: Countercyclical buffer rate

  This can compensate for some of the cost increase that comes from a higher capital requirement.
• European Commission approves extension of the risk weight floor for Swedish mortgages

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  • EBA
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  • ESRB

  Publicerad 2021-12-06 - The European Commission has announced that it does not intend to object to FI's intention to extend the current risk weight floor for Swedish mortgages. This…

• Comission Decision of 12.11.2021

  EBA issues Opinion on measures to address macroprudential risk following notification by the Finansinspektionen (28 October 2021) (EBA)

  Opinion of the European Systemic Risk Board of 19 October 2021 (ESRB)

  FI notifies the EU regarding extension of the existing risk weight floor for Swedish Mortgages (2021-09-20)
• FI raises the countercyclical buffer rate to 1 per cent

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  • Kontracyklisk buffert

  Publicerad 2021-09-29 - Finansinspektionen (FI) has decided to raise the countercyclical buffer rate to 1 per cent. The new buffer rate will be applied as of 29 September 2022. Until…

• Decision: Countercyclical buffer rate

  This can compensate for some of the cost increase that comes from a higher capital requirement.
• Children can understand money’s value even without cash

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  Publicerad 2021-10-06 - Cash is not necessary for children to understand the value of money. This is the outcome of a study by KTH Royal Institute of Technology that was commissioned…

• Report: Barns förståelse av begreppet ”pengar” (In Swedish)

  Till exempel, när du går och handla, då tar du till exempel, du vill ha en Cola, du ger det och sedan berättar kassörskan att det kostar si och så
• Capital requirements of Swedish banks as of Q2 2021

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  Publicerad 2021-08-25 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, second quarter 2021

  The new regulation also includes pillar 2 guidance, a capital requirement which FI can use if a bank is deemed to need more capital to cover risks and
• Large Swedish banks show resilience in EU stress test

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  • EBA

  Publicerad 2021-08-02 - The five largest Swedish banks are resilient and have the ability to withstand a sharp deterioration in market conditions, based on the stress test conducted…

• EBA results

  FI's Pillar 2 Guidance memorandum in English
• Capital requirements of Swedish banks as of Q1 2021

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  Publicerad 2021-05-25 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, first quarter 2021

  The new regulation also includes pillar 2 guidance, a capital requirement which FI can use if a bank is deemed to need more capital to cover risks and
• Capital requirements of Swedish banks as of Q4 2020

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  Publicerad 2021-02-25 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, fourth quarter 2020

  The new regulation also includes pillar 2 guidance, a capital requirement which FI can use if a bank is deemed to need more capital to cover risks and
• European Commission approves extension of the risk weight floor for Swedish mortgages

  • Bank
  • Stabilitet
  • Publicerat
  • Nyheter
  • EBA
  • Bolån
  • ESRB

  Publicerad 2020-11-18 - The European Commission has announced that it does not intend to object to FI's intention to extend the current risk weight floor for Swedish mortgages. This…

• Comission Decision of 12.11.2020

  EBA issues Opinion on measures to address macroprudential risk following notification by Finansinspektionen (19 October 2020)

  Opinion of the European Systemic Risk Board of 14 October 2020

  FI notifies the EU regarding extension of the existing risk weight floor for Swedish Mortgages (2020-09-16)
• Capital requirements of Swedish banks as of Q3 2020

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  Publicerad 2020-11-25 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, third quarter 2020

  3 (11) 2 Total capital requirement, other eight firms published in this memorandum (as percentage of total REA) (1) To cover
• Capital requirements of Swedish banks as of Q2 2020

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  Publicerad 2020-08-25 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, second quarter 2020

  3 (11) 2 Total capital requirement, other eight firms published in this memorandum (as percentage of total REA) (1) To cover