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Published 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…
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
Published 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…
Published 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…
Published 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…
Published 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…
FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
Published 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…
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
Published 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…
Published 2022-12-16 - The minimum requirement for own funds and eligible liabilities (MREL) is designed in such a way that the banks can breach it before they breach the capital…
Published 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…
Published 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…
Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
Published 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…
Published 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…
FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
Published 2022-04-20 - Swedish households continue to take increasingly larger loans. More new mortgagors than in previous years had both a high loan-to-income ratio and a high…
Published 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…
Published 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…
Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
Published 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…
FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
Published 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…
Published 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…
Published 2021-03-24 - New borrowers continue to take larger mortgages in relation to their income and the value of their home. At the same time, they have good margins for…
Published 2021-03-18 - Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…
Published 2023-05-30 - Höga räntor och lägre risktagande för med sig en ekonomisk miljö där sårbarheter i det finansiella systemet snabbt kan blottas. Inte minst pressas…
Published 2024-05-27 - Utsikterna för den finansiella stabiliteten har förbättrats något och osäkerheten har minskat. Samtidigt befinner vi oss i en lågkonjunktur. Högre kostnader…
Published 2023-11-28 - Högre räntor innebär att hushåll och företag behöver anpassa sin ekonomi. Finansinspektionen ser nu att risktagandet har minskat. Men det förändrade…
Stabiliteten i det finansiella systemet
FI-analys nr 41: Fastighetsföretagen kan behöva minska sin skuldsättning
Published 2024-03-07 - Hushållen fortsatte att pressas av både högre räntor och andra kostnader. Det visar FI:s bolånerapport som släpps i dag. I den tittar vi på nya bolånetagare…
Den svenska bolånemarknaden 2023
Published 2023-03-29 - FI presenterar i dag Bankbarometern, en rapport som ger en inblick i den svenska bankmarknaden. I rapporten presenterar vi siffror på bland annat utlåning,…
Published 2024-02-28 - Bankerna kan ge undantag från amorteringskravet i samband med att låntagare köper en nyproducerad bostad. Sju av åtta banker använder undantaget och en…
Rapport: Bankernas hantering av undantag från amorteringskrav vid nyproduktion
Published 2024-05-22 - Många mindre, onoterade fastighetsföretag har en hög belåningsgrad och låg räntetäckningsgrad. Det gör dem sårbara i ett läge med höga räntor och lägre…
FI-analys 45: Stora risker i små och medelstora fastighetsföretag
Published 2023-11-28 - I den här analysen uppskattar vi hur stora behov de svenska börsnoterade och större privatägda fastighetsföretagen har av att minska sina skulder i ett läge…
FI-analys 41: Fastighetsföretagen kan behöva minska sin skuldsättning
Stabiliteten i det finansiella systemet (2023:2): Anpassningen till ett högre ränteläge inte klar
Published 2023-03-28 - Bolånetagare pressas av stigande räntor. Samtidigt har den stora majoriteten av nya bolånetagare fortfarande goda marginaler i sin privatekonomi. Det…
Den svenska bolånemarknaden 2023
Bolånetagarnas marginaler och amorteringsundantag i början av 2023
Published 2021-01-19 - This FI Analysis describes how vulnerabilities from lending to non-financial firms arise and why FI needs to follow them to fulfil its assignment to safeguard…
FI-analys 27: Non-financial firms and financial stability: a description of vulnerabilities
Published 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…
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
Published 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…
Published 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…
Published 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…
Published 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…
FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
Published 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…
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
Published 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…
Published 2022-12-16 - The minimum requirement for own funds and eligible liabilities (MREL) is designed in such a way that the banks can breach it before they breach the capital…
Published 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…
Published 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…
Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
Published 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…
Published 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…
FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
Published 2022-04-20 - Swedish households continue to take increasingly larger loans. More new mortgagors than in previous years had both a high loan-to-income ratio and a high…
Published 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…
Published 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…
Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
Published 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…
FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
Published 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…
Published 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…
Published 2021-03-24 - New borrowers continue to take larger mortgages in relation to their income and the value of their home. At the same time, they have good margins for…
Published 2021-03-18 - Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…
Published 2023-05-30 - Höga räntor och lägre risktagande för med sig en ekonomisk miljö där sårbarheter i det finansiella systemet snabbt kan blottas. Inte minst pressas…
Published 2024-05-27 - Utsikterna för den finansiella stabiliteten har förbättrats något och osäkerheten har minskat. Samtidigt befinner vi oss i en lågkonjunktur. Högre kostnader…
Published 2023-11-28 - Högre räntor innebär att hushåll och företag behöver anpassa sin ekonomi. Finansinspektionen ser nu att risktagandet har minskat. Men det förändrade…
Stabiliteten i det finansiella systemet
FI-analys nr 41: Fastighetsföretagen kan behöva minska sin skuldsättning
Published 2024-03-07 - Hushållen fortsatte att pressas av både högre räntor och andra kostnader. Det visar FI:s bolånerapport som släpps i dag. I den tittar vi på nya bolånetagare…
Den svenska bolånemarknaden 2023
Published 2023-03-29 - FI presenterar i dag Bankbarometern, en rapport som ger en inblick i den svenska bankmarknaden. I rapporten presenterar vi siffror på bland annat utlåning,…
Published 2024-02-28 - Bankerna kan ge undantag från amorteringskravet i samband med att låntagare köper en nyproducerad bostad. Sju av åtta banker använder undantaget och en…
Rapport: Bankernas hantering av undantag från amorteringskrav vid nyproduktion
Published 2024-05-22 - Många mindre, onoterade fastighetsföretag har en hög belåningsgrad och låg räntetäckningsgrad. Det gör dem sårbara i ett läge med höga räntor och lägre…
FI-analys 45: Stora risker i små och medelstora fastighetsföretag
Published 2023-11-28 - I den här analysen uppskattar vi hur stora behov de svenska börsnoterade och större privatägda fastighetsföretagen har av att minska sina skulder i ett läge…
FI-analys 41: Fastighetsföretagen kan behöva minska sin skuldsättning
Stabiliteten i det finansiella systemet (2023:2): Anpassningen till ett högre ränteläge inte klar
Published 2023-03-28 - Bolånetagare pressas av stigande räntor. Samtidigt har den stora majoriteten av nya bolånetagare fortfarande goda marginaler i sin privatekonomi. Det…
Den svenska bolånemarknaden 2023
Bolånetagarnas marginaler och amorteringsundantag i början av 2023
Published 2021-01-19 - This FI Analysis describes how vulnerabilities from lending to non-financial firms arise and why FI needs to follow them to fulfil its assignment to safeguard…
FI-analys 27: Non-financial firms and financial stability: a description of vulnerabilities