Din sökning på "70" gav 154 träffar
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AI increasingly common in the financial sector, but risk management is lagging behind
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- 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
The number of firms that have drawn up an AI strategy decreases further for other firm categories. 75% 70% 77% 38% 37% 44% 36% 51% 38% 27%
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The Swedish Mortgage Market: Households need to have margins for an uncertain future
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
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- Bolån
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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
increase their mortgage to an LTV ratio of more than 70 per cent.
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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
Given this, the banks take the position that the test results does not show a fair presentation. 0% 10% 20% 30% 40% 50% 60% 70% 80% 90%
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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
The difference is largest for shares, where men own 70 per cent of the total value.
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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
(b) 70% for all other property financing cases.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
If the loan exceeds 70 per cent of the value, the household must repay at least 2 per cent per year” (FI, 2017, page 2).
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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
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- Försäkring
- Marknad
- Stabilitet
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- Nyheter
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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)
the market’s expectations regarding the companies’ future profits (in 12 months). 9 Source: Refinitiv/Datastream Indices 12m Forward Ratios. 60 70
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Stability in the Financial System (2025:1): Uncertainty could persist for a while
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- Försäkring
- Marknad
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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)
Together they represent around 75 per cent of deposits and lending to Swedish households and corporates and just under 70 per cent of domestic payments
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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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FI Analysis 45: High risks in small and mid-sized commercial real estate firms
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- Stabilitet
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- 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
Below 1 1–2 2–3 Above 3 0 10 20 30 40 50 60 70 80 90 100 Listed Large Mid-sized Small Above 100 70–100 50–70 Below 50 FINANSINSPEKTIONEN
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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
-30 31-40 41-50 51-60 61-70 71+ 0-18 18-30 31-40 41-50 51-60 61-70 71+ Women MenMean Median FINANSINSPEKTIONEN SWEDISH RETAIL TRADING IN CRYPTOCERTIFICATES
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Interest rate puts pressure on indebted households
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
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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
If the LTV ratio exceeds 70 per cent, the household must amortise 2 per cent a year.
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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)
000 20 000 25 000 30 000 Upp till 20 år 20 år upp till 30 år 30 år upp till 40 år 40 år upp till 50 år 50 år upp till 60 år 60 år upp till 70
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Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
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- Försäkring
- Marknad
- Stabilitet
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- Nyheter
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- 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
Bond maturities refers to amounts in SEK billion that have matured at each point in time. 0 10 20 30 40 50 60 70 80 90 2015 2016
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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 Analysis No. 41: Commercial real estate firms may need to reduce their debt
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- Marknad
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2023-11-28 - In this analysis, we estimate how much Swedish listed and larger privately owned commercial real estate firms need to reduce their debt in a climate of rising…
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FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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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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The Swedish Mortgage Market 2023
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- Konsumentskydd
- Stabilitet
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- Rapporter
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Publicerad 2023-03-28 - In 2022, a somewhat smaller share of borrowers had a loan-to-income ratio of more than 450 per cent and a loan-to-value ratio of more than 70 per cent
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FI Analysis No. 40: Winners and losers in the trading of meme stocks
- Marknad
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- 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
I repurchase 100 shares for SEK 700 and return them to the bank.
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Report: Banks’ administration of amortisation requirement exemptions
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- Rapporter
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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
This can be compared to a figure of approximately 70 per cent among new borrowers.
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Stability in the Financial System (2023:1)
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- Försäkring
- Stabilitet
- Publicerat
- Rapporter
- Betalningar
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
However, FI makes the assessment that the effect is not of such a scope that it impacts financial stability. 0 10 20 30 40 50 60 70 80 90
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Is there a need for supplementary and gadget insurance?
- Försäkring
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2023-02-20 - Consumers’ need for supplementary insurance differs by age. Younger consumers have a greater need for this type of insurance, while older consumers often have…
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Report: Is there a need for add-on cover and gadget insurance?
age group 31– 40, which receives the most. 0 10 20 30 40 50 60 70 80 90 -30 31-40 41-50 51-60 61-70 71-80 81-90 91- Policyholders – age
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FI Analysis 38: Loans and payment problems among women and men
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- 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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Stability in the Financial System (2022:2)
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- 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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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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But there are also lenders who only pay out the loan. 0 10 20 30 40 50 60 70 80 0–5 5–10 10-50 50–100 100–250 250–500 500 eller mer Lösen av
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Borrower-based measures following high inflation and rising interest rates
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- 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
Households with an LTV ratio above 70 per cent must amortise 2 per cent per year.
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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?
Home insurance (contents) Home insurance (building) Private care insurance policyholder age -30 31-40 41-50 51-60 61-70 71-80 81-90 91
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Stability in the Financial System (2022:1)
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- 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
Together they represent around [75] per cent of deposits and lending to Swedish households and corporates and just under [70] per cent of the domestic
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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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- 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?
80 90 100 0 10 20 30 40 50 60 70 80 90 100 Commercial real estate Commercial residential real estate FINANSINSPEKTIONEN HAS FI’S RISK WEIGHT
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Consumer Protection Report 2022
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- Försäkring
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
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
• FI conducted an annual survey of fund fees and risk levels for approximately 70 fund managers.
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Stability in the Financial System (2021:2)
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- 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…
