Din sökning på "sa" gav 114 träffar
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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)
Bank exposures are largely the same as in the autumn of 2024.
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FI sanctions SBB for deficiencies in its consolidated financial statements
- Marknad
- Publicerat
- Sanktioner
- Nyheter
- Redovisning
Publicerad 2026-02-18 - The deficiencies entailed that the reported consolidated profit for 2021 was too high, the consolidated statement of financial position at the end of the year…
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Decision: Caution and administrative fine
The firm takes the position that the management is substantially the same regardless of property, and the properties thus have the same risk.
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Remuneration and conflicts of interest in Swedish insurance intermediaries
- Försäkring
- Konsumentskydd
- Publicerat
- Nyheter
- Fördjupad analys
- Försäkra
Publicerad 2025-11-19 - Finansinspektionen (FI) has conducted an in-depth analysis of remuneration and conflicts of interest at insurance intermediaries that distribute life…
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Remuneration and conflicts of interest in Swedish insurance intermediaries
higher sales pressure on advisors.
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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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extent as the women in the same age group.
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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
At the same time, households’ income increased to the same extent.
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Home insurance is expected to become more expensive
- Försäkring
- Publicerat
- Nyheter
- Rapporter
- Hållbarhet
Publicerad 2026-04-29 - As the climate changes, it will probably become more expensive to insure residential property. This is the conclusion of a new report by FI. FI makes the…
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Report: Home insurance against natural hazards in a changed climate
Insurance undertakings say that such a situation probably would lead to more undertakings needing to raise their premiums in the same area to avoid
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FI’s view on more flexible rules for calculating capital requirements for credit risk
- Bank
- Publicerat
- Nyheter
Publicerad 2025-06-13 - Finansinspektionen has published a memorandum clarifying its expectations on banks’ application of internal models to calculate capital requirements for…
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At the same time, the regulatory framework is clear that a return to less sophisticated methods is not driven by regulatory arbitrage.
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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
This decrease was driven primarily by falling net financial income at the same time as decreased costs dampened the decline.
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The Bank Barometer: Net profit of Swedish banks continues to increase
- Bank
- Publicerat
- Nyheter
- Rapporter
Publicerad 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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During the same period, net profit for the major Swedish banks decreased.
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European Commission approves FI’s extension of the risk-weight floors
- Bank
- Kapitaltäckning
- Publicerat
- Nyheter
Publicerad 2025-06-27 - The European Commission has announced that it does not object to FI's intention to extend the current risk weight floors for Swedish mortgages and commercial…
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Commission Decision of 24.06.2025: RRE
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Zimpler receives a remark and an administrative fine
- Penningtvätt
- Publicerat
- Sanktioner
- Nyheter
- Betalningar
Publicerad 2025-10-16 - The Swedish Financial Supervisory Authority (FI) issues Zimpler AB (Zimpler) a remark and an administrative fine of 3 million kronor for violations of…
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Sanktionsbeslut Zimpler AB (in Swedish)
verksamhetsplaner1 framgår att bolagets affärsmodell är inriktad på att bolaget ska tillhandahålla betalningsalternativ för handlare som driver verk- samhet
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FI notifies the EU regarding the extension of the existing risk-weight floor for Swedish mortgages and commercial real estate
- Bank
- Kapitaltäckning
- Stabilitet
- Publicerat
- Särskilda PM & beslut
- Nyheter
- 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…
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•Notification of intended extension to be taken under Article 458 (CRE)
•Notification of intended extension to be taken under Article 458 (RRE)
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FI is publishing banks’ effective capital headroom
- Bank
- Kapitaltäckning
- Stabilitet
- Publicerat
- Nyheter
Publicerad 2025-02-28 - Starting today, FI will now publish banks’ effective CET 1 capital headroom every quarter. This will show how much of the banks’ buffer is available to cover…
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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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Updated Q&A on reporting under the Anti-Money Laundering Act
- Bank
- Försäkring
- Marknad
- Penningtvätt
- Publicerat
- Rapportering
- Nyheter
- Betalningar
Publicerad 2024-12-02 - As we approach the starting point for the 2025 periodic reporting under the Anti-Money Laundering Act, a number of new questions have arisen. We have…
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FAQs – periodic reporting in accordance with the Anti-Money Laundering Act
For example, a foreign branch must only report information about the branch’s net sales, not the net sales of the parent undertaking.
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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)
However, bank deposits remained the same over the past two years.
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MoU between SRB, ECB, SNDO and FI
- Bank
- Publicerat
- Om FI
- Nyheter
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…
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purposes of the information sharing provisions of this Memorandum of Understanding, national competent authorities of participating Member States have the same
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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
Only 41 per cent of the firms that have AI in production say that they have a formally approved policy for their development and use of AI.
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Financial education continues to be important for strengthening consumers
- Konsumentskydd
- Publicerat
- Nyheter
- Finanskunskap
- Konsument
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…
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Report: FI’s Work with Financial Literacy
The majority of the population of Sweden say that they have high financial well-being, but just over one-third say that they are feeling concern or
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Decisions regarding reciprocation of macroprudential measures in Denmark, Portugal, Germany and Italy
- Bank
- Kapitaltäckning
- Stabilitet
- Publicerat
- Nyheter
- ESRB
Publicerad 2024-08-13 - Finansinspektionen has passed decisions concerning reciprocation of macroprudential measures in Denmark, Portugal, Germany and Italy.
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Decision to reciprocate Danish systemic risk buffer (in Swedish)
Decision not to reciprocate Portuguese macroprudential measure
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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
This can be more efficient, safer and cheaper.
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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
The same figure for stocks is 73 days. 10 Barber & Odean (2001). 11 See also Diagram 7. 12 The sample is the same as described in FI Analysis No
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FI identifies transition risks in banks’ lending portfolios
- Bank
- Publicerat
- Nyheter
- Rapporter
- Hållbarhet
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…
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Report: Transition risks in banks’ lending portfolios
the same firm and thus have the same corporate identity number.
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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
Home buyers in the sam- ple from 2023 were seeing approximately the same price level as those in the sam- ple from 2022.
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FI Analysis No. 42: Gender differences in investment behaviour
- Bank
- Marknad
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
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…
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FI Analysis No. 42: Gender differences in investment behaviour
However, not all men invest in the same way, and the same applies to women.
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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
The same applies to unlisted corporate bonds, some funds, and endowment insurance. • These products can be very volatile.
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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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Fraud prevention in payment services
- Bank
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Bedrägerier
- Betalningar
- Konsument
- Betala
Publicerad 2024-05-31 - Fraud is a major and expanding societal problem that fosters organised crime. FI supervises that payment service providers follow the provisions set out in…
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Report: Fraud prevention in payment services (In Swedish)
En betaltjänstleverantör som har anledning att misstänka att en transaktion är behörig, har dock rätt till skälig tid för att undersöka saken.
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Our supervision priorities for 2024
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Hållbarhet
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…
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Supervision priorities for 2024
At the same time, there is still a risk that the financial system is being used to finance terrorism or to avoid international sanctions decided by the
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European Commission approves extension of the risk weight floor for Swedish mortgages
- Bank
- Kapitaltäckning
- Publicerat
- Nyheter
Publicerad 2023-11-09 - 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 means that FI may implement the measure.
