Din sökning på "2011" gav 177 träffar
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Stability in the Financial System (2025:1): Uncertainty could persist for a while
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- Stabilitet
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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,…
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Stability in the Financial System (2025:1)
-1 0 1 2 3 4 5 6 7 -1 0 1 2 3 4 5 6 7 2009 2011 2013 2015 2017 2019 2021 2023 2025 Combined solvency ratio (left axis)
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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…
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Stability in the Financial System (2024:2)
But there is also considerable uncertainty -2 0 2 4 6 8 10 12 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Sweden
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Two expert reports on macroprudential policy measures
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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
BIS Quarterly Review, March 2010, 59-67. Cokayne, Graeme (2019).
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
- 30 June 2019).
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The Swedish Mortgage Market: Households need to have margins for an uncertain future
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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
2018 2019 2020 2021 2022 2023 2024 LTI excl.
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Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
- Konsumentskydd
- Publicerat
- Rapporter
- Bedrägerier
- Spara
- Konsument
- Försäkra
- Betala
- Låna
Publicerad 2025-04-30 - Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that…
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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…
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Stability in the Financial System
2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 FINANSINSPEKTIONEN Stability in the Financial System 24 11.
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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
–2018, and the second during 2021.
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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…
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The Swedish Mortgage Market Report
2018 2019 2020 2021 2022 2023 LTI excl.
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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…
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FI Analysis No. 42: Gender differences in investment behaviour
). 23 Heimer & Simsek (2019).
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FI Analysis 45: High risks in small and mid-sized commercial real estate firms
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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
Bonds 0 50 100 150 200 250 2019 2020 2021 2022 Other liabilities Bank loans, Swedish banks Bonds 0 5 10 15 20 25 2019 2020 2021 2022 Other
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FI would like the financial market to shift its sustainability work into the next gear
- Stabilitet
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- 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?
A review of sustainability aspects has been included in the adopted methods for credit risk and business model analysis since 2021.
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FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
- Stabilitet
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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
-0,8 -0,4 0 0,4 0,8 2011 2013 2015 2017 2019 2021 2023 Equity prices Bank credit Housing prices Current account Debt burden Real credit growth
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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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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
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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…
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FI Supervision 27: Non-life insurance undertakings' product approval processes
/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution. 2 Commission Delegated Regulation (EU) 2017/2358 of
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Consumer Protection Report 2023
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Publicerad 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.
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Consumer Protection Report 2023
There are 19 Commission Delegated Regulation (EU) No 231/2013 of 19 December 2012 supplementing
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Stability in the Financial System (2023:1)
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Publicerad 2023-05-31 - Since the publication of the stability report last autumn, inflation has slowed somewhat in the large economies but is still significantly higher than the…
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Stability in the Financial System 2023:1
-2 0 2 4 6 8 10 12 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sweden Euro zone USA FINANSINSPEKTIONEN Stability
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FI Analysis No. 40: Winners and losers in the trading of meme stocks
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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
Markten (AFM). 0 500 1 000 1 500 2 000 2 500 3 000 3 500 2021-01-01 2021-03-01 2021-05-01 2021-07-01 2021-09-01 2021-11-01 GameStop AMC
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Report: Banks’ administration of amortisation requirement exemptions
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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
). 6 See, for example, FI (2017), Andersson et al. (2018) and Andersson and Aranki (2019). 7 FI (2021).
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The Swedish Mortgage Market 2023
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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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2018 2019 2020 2021 2022 House purchase Bank switch Equity withdrawal 0 100 200 300 400 500 600 2012 2013 2014 2015 2016 2017 2018 2019 2020
Mortgagor margins and amortisation exemptions in early 2023
2016 2017 2018 2019 2020 2021 2022 59.6 57.4 54.7 51.2 53.2 53.5 56.9 55.1 54.3 Total 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 64.3 66.2
Data appendix - The Swedish Mortgage Market
2013 2015 2017 2019 2021 Number of households New loans FI Ref. 23-9603 5 (14) for the key interest rate.5 The calculations take into account
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FI Analysis 38: Loans and payment problems among women and men
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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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Swedish Consumer Credit
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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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-10,00 -5,00 0,00 5,00 10,00 15,00 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Konsumtionskrediter BNP
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Stability in the Financial System (2022:2)
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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
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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
-2 0 2 4 6 8 10 2013 2015 2017 2019 2021 CPIF excl. energy CPIF 0 1 2 3 4 5 6 7 2005 2008 2011 2014 2017 2020 Floating 1-3 y 3-5
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Stability in the Financial System (2022:1)
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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
-1 0 1 2 3 4 5 6 7 8 9 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Sweden Euro zone USA FINANSINSPEKTIONEN Stability
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Consumer Protection Report 2022
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Publicerad 2022-04-28 - Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer…
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Consumer Protection Report 2021
Rapport 2021:1, Konsument på kredit, Konsumentverket, 2021, pp. 23.
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FI Analysis No 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
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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?
2013 2014 2015 2016 2017 2018 2019 2020 CRE firms Commercial real estate Commercial residential real estate FINANSINSPEKTIONEN HAS FI’S RISK WEIGHT
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Stability in the Financial System (2021:2)
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- 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 Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
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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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Regeringen (2010), “Ny konsumentkreditlag”, Government Bill 2009/10:242. Regeringen (2013), “Överskuldsättning i kreditsamhället”, SOU 2013:78.
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Stability in the Financial System (2021:1)
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- 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…
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FI Analysis No. 33: Household debt and resilience
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Publicerad 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
and Sufi (2013), Andersen, Duus and Jensen (2016), Bunn and Rostom (2016), Kovacs et al. (2018) and Price et al. (2019).
