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Published 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…
Report: Is there a need for add-on cover and gadget insurance?
Published 2023-04-14 - payment orders and debt registered with the Enforcement Authority – more often than men in the same age group
FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
Published 2023-09-21 - FI has also observed that almost all the undertakings have established a target group for all their insurance
FI Supervision 27: Non-life insurance undertakings' product approval processes
Published 2022-07-08 - Finansinspektionen has analysed whether loyal policyholders pay higher premiums for the three non-life insurance products that are most important for…
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 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…
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 2021-02-24 - Young borrowers and borrowers with low income have a higher risk of experiencing payment problems when taking non-mortgage loans. The risk decreases if the…
FI Analysis 29: Why do some borrowers experience payment problems?
Published 2021-01-21 - Aggregate statistics indicate that Swedish households are holding significant assets in the form of cash, bank savings, fund shares and securities. The…
Published 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
Report: Banks’ administration of amortisation requirement exemptions
Published 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…
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
Published 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…
Published 2020-10-01 - After the provisions regarding high-cost short-term credits were changed in 2018 – in part by introducing an interest rate ceiling and cost ceiling – these…
FI Analysis 22: Fewer high-cost short-term credits after new rules
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 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
Report: Borrower-based measures following high inflation and rising interest rates
Published 2023-05-26 - The price increase had been orchestrated by a group of investors who had collaborated via a social media
FI Analysis No. 40: Winners and losers in the trading of meme stocks
Published 2019-12-17 - This FI Analysis shows that the the increase in house prices is the primary reason it has become more difficult for young adults to buy a home.
Published 2021-05-12 - Loans and other debts are of significance to repayment problems. This analysis focuses on the significance of loans to individual’s repayment problems.
FI Analysis 32: Loans, payment problems and debts at the Swedish Enforcement Authority
Published 2019-12-17 - This FI Analysis shows that households’ tendency to use mortgages for purchases other than buying a home decreased following the amortisation requirements.
FI Analysis 20: Fewer home equity withdrawals after amortisation requirements
Published 2019-03-27 - This is also due to the fact that this group was most affected by the stricter requirement
FI Analysis No 17: Fewer vulnerable housholds after stricter amortisation requirement
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 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…
Published 2020-02-14 - Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of…
Published 2017-04-06 - This FI Analysis shows that the amortisation requirement has helped households with new mortgages change their behavior. New mortgagors are taking smaller…
FI Analysis 10: Amortisation requirement reduced household debt
Published 2018-04-04 - This FI Analysis presents an assessment of the Swedish mortgage cap. The assessment shows that households limited by the mortgage cap borrowed less and purchased less expensive homes.
FI-analysis 12: Mortgage cap slowed growth of household debt
Published 2019-11-18 - Finansinspektionen (FI) strengthened its anti-money laundering supervision in 2019, in part by dedicating considerable resources to reviewing major Swedish…
FI’s work to combat money laundering and terrorist financing
Published 2018-04-04 - Finansinspektionen (FI) follows the development of household debt on an ongoing basis. The mortgage survey serves as an important source of data for this…
Published 2022-04-28 - premiums for home or auto insurance more than they raise premiums for other policyholders in the same risk group
Published 2021-03-04 - In recent years, a number of legislative proposals and other initiatives have been presented to strengthen the financial sector’s resilience to cyberattacks.…
Cyber threats and financial stability – FI’s role and assignments
Published 2020-04-02 - The percentage of new mortgagors with a high level of debt in relation to either their income or the value of the home continues to be high. New mortgagors in…
Published 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…
Report: Is there a need for add-on cover and gadget insurance?
Published 2023-04-14 - payment orders and debt registered with the Enforcement Authority – more often than men in the same age group
FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
Published 2023-09-21 - FI has also observed that almost all the undertakings have established a target group for all their insurance
FI Supervision 27: Non-life insurance undertakings' product approval processes
Published 2022-07-08 - Finansinspektionen has analysed whether loyal policyholders pay higher premiums for the three non-life insurance products that are most important for…
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 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…
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 2021-02-24 - Young borrowers and borrowers with low income have a higher risk of experiencing payment problems when taking non-mortgage loans. The risk decreases if the…
FI Analysis 29: Why do some borrowers experience payment problems?
Published 2021-01-21 - Aggregate statistics indicate that Swedish households are holding significant assets in the form of cash, bank savings, fund shares and securities. The…
Published 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…
Report: Banks’ administration of amortisation requirement exemptions
Published 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…
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
Published 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…
Published 2020-10-01 - After the provisions regarding high-cost short-term credits were changed in 2018 – in part by introducing an interest rate ceiling and cost ceiling – these…
FI Analysis 22: Fewer high-cost short-term credits after new rules
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 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
Report: Borrower-based measures following high inflation and rising interest rates
Published 2023-05-26 - The price increase had been orchestrated by a group of investors who had collaborated via a social media
FI Analysis No. 40: Winners and losers in the trading of meme stocks
Published 2019-12-17 - This FI Analysis shows that the the increase in house prices is the primary reason it has become more difficult for young adults to buy a home.
Published 2021-05-12 - Loans and other debts are of significance to repayment problems. This analysis focuses on the significance of loans to individual’s repayment problems.
FI Analysis 32: Loans, payment problems and debts at the Swedish Enforcement Authority
Published 2019-12-17 - This FI Analysis shows that households’ tendency to use mortgages for purchases other than buying a home decreased following the amortisation requirements.
FI Analysis 20: Fewer home equity withdrawals after amortisation requirements
Published 2019-03-27 - This is also due to the fact that this group was most affected by the stricter requirement
FI Analysis No 17: Fewer vulnerable housholds after stricter amortisation requirement
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 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…
Published 2020-02-14 - Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of…
Published 2017-04-06 - This FI Analysis shows that the amortisation requirement has helped households with new mortgages change their behavior. New mortgagors are taking smaller…
FI Analysis 10: Amortisation requirement reduced household debt
Published 2018-04-04 - This FI Analysis presents an assessment of the Swedish mortgage cap. The assessment shows that households limited by the mortgage cap borrowed less and purchased less expensive homes.
FI-analysis 12: Mortgage cap slowed growth of household debt
Published 2019-11-18 - Finansinspektionen (FI) strengthened its anti-money laundering supervision in 2019, in part by dedicating considerable resources to reviewing major Swedish…
FI’s work to combat money laundering and terrorist financing
Published 2018-04-04 - Finansinspektionen (FI) follows the development of household debt on an ongoing basis. The mortgage survey serves as an important source of data for this…
Published 2022-04-28 - premiums for home or auto insurance more than they raise premiums for other policyholders in the same risk group
Published 2021-03-04 - In recent years, a number of legislative proposals and other initiatives have been presented to strengthen the financial sector’s resilience to cyberattacks.…
Cyber threats and financial stability – FI’s role and assignments
Published 2020-04-02 - The percentage of new mortgagors with a high level of debt in relation to either their income or the value of the home continues to be high. New mortgagors in…