Din sökning på "corp" gav 121 träffar
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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
The threshold effect is clearly visible in the provision ratio, which constitutes an overall measure of credit risk and can be expressed as (compare
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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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Legal position: Deposits through digital deposit platforms
Deposit platforms are digital bank services – in apps or on websites – that make it possible for customers to compare deposit terms at different credit
Report: Increased deposits via deposit platforms (Summary)
Through a deposit platform, private individuals and firms can compare the lending terms, for example deposit rates, offered by different credit institutions
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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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This has been made possible by digitalisation, which makes it easier than before to both compare banks’ offers and move money.
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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)
In due time, however, this reporting will give FI a better overview of the situation and create better conditions than we have today to compare and
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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
Per cent In order for the reader to understand how the results compare to actual market shares instead of the average per system, Figure 4 shows
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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)
Some of the banks’ core operations are to transform financing with short maturities into loans with long maturities, which generates significant maturity
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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
If a BBM provides households with fewer resources to cope with shocks, this can lead to lower welfare.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
It is important to appreciate that the resilience of households and of the financial sector are strongly cor- related with the macroeconomy, with causal
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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
median and mean SEK Source: FI To study how large a portion of the total investment portfolios was invested in cryptocertificates, we can compare
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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?
This makes it difficult to compare the firms.
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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
This makes it possible for Swedish consumers to compare the fee of their own funds with the median fee.
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FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2023-12-14 - In this FI-analysis we adapt the systemic risk indicator d-SRI to Swedish conditions. d-SRI is intended to give an early warning signal before crises caused by domestic imbalances arise.
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FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
But because some variables are growth rates and others are ratios, it can be difficult to compare them.
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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Betalningar
Publicerad 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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FI Supervision 27: Non-life insurance undertakings’ product approval processes
- Försäkring
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
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…
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FI Supervision 27: Non-life insurance undertakings' product approval processes
11 of the Insurance Distribution Act and the Commission Delegated Regulation describe the parts of the product approval process in more detail. 8 Compare
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FI Analysis No. 40: Winners and losers in the trading of meme stocks
- Marknad
- Publicerat
- Rapporter
Publicerad 2023-05-26 - In 2021, Gamestop, a relatively unknown American company, experienced a sudden increase in its stock price. The price increase had been orchestrated by a…
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FI Analysis No. 40: Winners and losers in the trading of meme stocks
The distribution of realised results for AMC traders is more even than that of Gamestop traders (compare Diagram 3 and Diagram 4).
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Report: Banks’ administration of amortisation requirement exemptions
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
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Report: Banks’ administration of amortisation requirement exemptions
We compare the distribution of granted exemptions to the distribution of the banks’ new lending over the past few years.
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FI Analysis 38: Loans and payment problems among women and men
- Publicerat
- Rapporter
- Låna
Publicerad 2023-04-14 - Among borrowers over the age of 45, it is more common for women than men to have a debt registered with the Enforcement Authority. One explanation could be…
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FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
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Finansinspektionen’s strategy to prevent greenwashing
- Bank
- Försäkring
- Marknad
- Publicerat
- Om FI
- Rapporter
- Hållbarhet
Publicerad 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
The recipient of the information, for example an investor, must be able to compare the sustainability information from different companies and trust
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The Swedish Mortgage Market 2023
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…
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Roadmap for sustainable finance
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Om FI
- Rapporter
- Hållbarhet
Publicerad 2022-12-13 - In 2019, FI’s overarching mandate was expanded to include a responsibility to ensure that the financial system contributes to sustainable development. FI is…
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Roadmap for sustainable finance
Its aim is to help investors identify and compare environmentally sustainable investments.
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Funds with sustainable investment as its objective
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 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
This has probably made it easier for an investor to be able to compare products.
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Swedish Consumer Credit
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
Publicerad 2022-12-21 - A large portion of Swedish households’ loans is for their homes. But the households also use loans to finance some of their consumption. Consumption credit…
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It can be a good way for the borrower to compare lenders, and it can increase competition in lending.
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Stability in the Financial System (2022:2)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
Publicerad 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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Borrower-based measures following high inflation and rising interest rates
- Bank
- Publicerat
- Rapporter
- Bolån
Publicerad 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
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Report: Borrower-based measures following high inflation and rising interest rates
At the same time, households that have high income and large wealth can cope with large cost increases without noticing a major impact on their finances
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Do loyal policyholders pay more?
- Försäkring
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2022-07-08 - Finansinspektionen has analysed whether loyal policyholders pay higher premiums for the three non-life insurance products that are most important for…
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Report: Do loyal policyholders pay more?
The fact that insurance undertakings offer premium discounts to new policyholders means that it can be beneficial for consumers to compare policies and
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FI Analysis No 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
- Bank
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2022-04-28 - In this FI Analysis, we study how the risk weight floor has impacted the banks’ lending to CRE firms using detailed lending data. The aim is to analyse…
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FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
In this analysis, we compare the banks’ portfolios from December 2019 and December 2020.2 It is a short period of time, but since FI announced the measure
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Stability in the Financial System (2022:1)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2022-05-31 - Interest rates and interest rate expectations have increased in 2022 due to high and rising inflation. One sector that is vulnerable to rising interest rates…
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Stability in the Financial System
2019 2021 Interest-bearing assets Risk assets FINANSINSPEKTIONEN Stability in the Financial System Stability in the insurance sector 29 compare
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FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
Publicerad 2021-12-07 - There are different types of lenders. They offer different types of loans, and their risk tolerance varies. The risk tolerance is evident in their business…
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Firstly, we compare the number of payment orders with the number of (existing) borrowers, and then compare the principal amount (in SEK) from the payment
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Stability in the Financial System (2021:2)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Coronaviruset
Publicerad 2021-11-23 - Sweden’s economy has largely recovered and there is good access to financing in the financial system. The Riksbank should therefore begin the phase-out of…
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FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Coronaviruset
- Låna
Publicerad 2021-06-30 - The temporary amortisation exemption resulted in new mortgagors borrowing almost 4 per cent more and buying homes that were approximately 1 per cent more…
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FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
To assess the impact of the exemption, we need to compare what would have happened without the exemption.
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Stability in the Financial System (2021:1)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Coronaviruset
Publicerad 2021-06-01 - The economy is continuing to recover. Support measures have been necessary to speed up the recovery, but they need to be gradually phased out as the economy…
