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• Major banks need to rectify deficiencies in the payments infrastructure

  • Bank
  • Penningtvätt
  • Publicerat
  • Nyheter
  • Betalningar

  Publicerad 2024-06-20 - FI is ordering Handelsbanken, SEB and Swedbank to rectify deficiencies in the payments infrastructure no later than December 2026. FI has also contacted the…
• FI leaves the countercyclical buffer rate unchanged

  • Bank
  • Stabilitet
  • Publicerat
  • Nyheter
  • Kontracyklisk buffert

  Publicerad 2024-06-19 - In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the second quarter. The…

• Systemic risk indicator d-SRI

  Report: Stability in the Financial System (2024:1)
• FI identifies transition risks in banks’ lending portfolios

  • Bank
  • Publicerat
  • Nyheter
  • Rapporter
  • Hållbarhet

  Publicerad 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…

• Report: Transition risks in banks’ lending portfolios
• Fraud prevention in payment services

  • Bank
  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Rapporter
  • Betalningar

  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…

• Report: Fraud prevention in payment services (In Swedish)
• Interest rate puts pressure on indebted households

  • Bank
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Nyheter
  • Rapporter
  • Bolån

  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…

• The Swedish Mortgage Market Report
• FI intends to extend banks’ risk weights floors for mortgages and commercial real estate lending

  • Bank
  • Basel
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Nyheter
  • Regler

  Publicerad 2024-05-29 - Finansinpektionen currently assesses that risks to Swedish mortgages and commercial properties remain and these will not be fully addressed when the EU’s…

• New risk weight floors for bank loans to commercial properties

  FI extends the risk weight floor for Swedish mortgage exposures
• FI Analysis 45: High risks in small and mid-sized commercial real estate firms

  • Bank
  • Stabilitet
  • Publicerat
  • 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…

• FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
• Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment

  • Bank
  • Försäkring
  • Marknad
  • Stabilitet
  • Publicerat
  • Nyheter
  • Rapporter
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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…

• Stability in the Financial System
• Capital requirements of Swedish banks as of Q1 2024

  • Bank
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Nyheter

  Publicerad 2024-05-24 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, first quarter 2024
• FI Analysis No. 42: Gender differences in investment behaviour

  • Bank
  • Marknad
  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Rapporter

  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…

• FI Analysis No. 42: Gender differences in investment behaviour
• FI leaves the countercyclical buffer rate unchanged

  • Bank
  • Stabilitet
  • Publicerat
  • Nyheter
  • Kontracyklisk buffert

  Publicerad 2024-03-13 - In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the first quarter. The…

• Report: Stability in the Financial System (2023:2)
• 2024:1 Loan-to-value ratio for loans granted against collateral in residential property and included in the cover pool for covered bonds

  • Bank
  • Publicerat

  Publicerad 2024-03-11 - In this legal position, Finansinspektionen considers the matter of whether the cover pool for covered bonds issued prior to 8 July 2022 may consist of loans…
• Capital requirements of Swedish banks as of Q4 2023

  • Bank
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Nyheter

  Publicerad 2024-02-23 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of…

• Capital requirements for the Swedish banks, fourth quarter 2023
• Comprehensive overview is important when changing the conditions on the housing market

  • Bank
  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Rapporter
  • Bolån

  Publicerad 2024-02-22 - FI has received an assignment from the Government to assess an increase in the loan-to-value (LTV) cap from 85 to 90 percent. At the same time, the Government…

• Report (In Swedish): FI:s syn på en höjning av bolånetaket från 85 till 90 procent
• Ownership reporting

  • Bank
  • Rapportering

  Publicerad 2024-02-15 - Financial entities are obligated to report larger holdings, for example subsidiaries and other ownership interests.

• Ownership reporting
• Outsourcing contracts

  • Bank

  Publicerad 2024-02-06 - If a credit servicer wants to outsource its credit servicing operations to a third party, FI must be notified.
• Cross-border activities

  • Bank

  Publicerad 2024-02-06 - A credit servicer authorised pursuant to the Credit Servicer Act (Purchase and Servicing of Non-Performing Credit Agreements Act [2023:714]) is entitled to…
• Credit servicers

  • Bank

  Publicerad 2024-02-06 - In accordance with the Credit Servicer Act (Purchase and Servicing of Non-Performing Credit Agreements Act [2023:714]) authorisation from FI is required to…
• Debt collection

  • Bank

  Publicerad 2024-02-06 - According to the Debt Collection Act (1974:182), authorisation from FI is required to conduct debt collection operations related to the collection of debt on…
• Reciprocation of macroprudential measures in other countries

  • Bank
  • Kapitaltäckning
  • Stabilitet

  Publicerad 2024-01-31 - According to the capital adequacy regulations (Capital Requirements Regulation and Capital Requirements Directive), a country can ask other countries to…

• Reciprocation of Norwegian systemic risk buffer (2023-06-01)

  FI reciprocates the extension of Norwegian risk weight floors (2023-03-28)

  Decisions regarding reciprocation of macroprudential measures in three EU countries (2022-06-29)
• Capital requirements for Swedish banks as of Q1 2024

  • Bank
  • Kapitaltäckning
  • Stabilitet

  Publicerad 2024-05-24 - FI publishes the capital requirements for Swedish banks and credit institutions in supervision categories 1 and 2 every quarter.

• Capital requirements for the Swedish banks, first quarter 2024
• FI extends the risk weight floor for Swedish mortgage exposures

  • Bank
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Särskilda PM & beslut
  • Nyheter
  • EBA
  • Bolån

  Publicerad 2023-12-14 - FI has decided to extend the risk weight floor by two years, from 31 December 2023 to 30 December 2025.

• FI’s decision (In Swedish): Beslut om riskviktsgolv för svenska bolåneexponeringar

  European Commission approves extension of the risk weight floor for Swedish mortgages (2023-11-09)

  FI notifies the EU regarding extension of the existing risk weight floor for Swedish mortgages (2023-09-13)
• FI leaves the countercyclical buffer rate unchanged

  • Bank
  • Stabilitet
  • Publicerat
  • Nyheter
  • Kontracyklisk buffert

  Publicerad 2023-12-13 - In accordance with its assessment in the most recent stability report, FI is leaving the countercyclical buffer rate unchanged in the fourth quarter. The…

• Report: Stability in the Financial System (2023:2)
• Aros receives warning and administrative fine

  • Bank
  • Penningtvätt
  • Publicerat
  • Sanktioner

  Publicerad 2023-12-13 - Finansinspektionen has decided that Aros Kapital will receive a warning and an administrative fine of SEK 45 million.
• Banking package close to completion

  • Bank
  • Basel
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Nyheter
  • Regler

  Publicerad 2023-12-12 - On 6 December, the EU Member States approved a banking package that implements the last parts of the Basel III agreement in the EU. The European Parliament is…
• FI Analysis No. 41: Commercial real estate firms may need to reduce their debt

  • Bank
  • 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…

• 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
• 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…

• 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
• Capital requirements of Swedish banks as of Q3 2023

  • Bank
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Nyheter

  Publicerad 2023-11-24 - Finansinspektionen publishes the capital requirements of the largest Swedish banks and credit institutions that belong to supervisory categories 1 and 2 as of the end of Q3 2023.

• Capital requirements for the Swedish banks, third quarter 2023
• European Commission approves extension of the risk weight floor for Swedish mortgages

  • Bank
  • Kapitaltäckning
  • Publicerat
  • Nyheter

  Publicerad 2023-11-09 - The European Commission has announced that it does not intend to object to FI's intention to extend the current risk weight floor for Swedish mortgages. This means that FI may implement the measure.

• FI notifies the EU regarding extension of the existing risk weight floor for Swedish Mortgages (2021-09-13)

  Comission Decision of 06.11.2023
• Protect consumers’ access to payment accounts

  • Bank
  • Publicerat
  • Nyheter
  • Remissvar

  Publicerad 2023-10-31 - Banks restrict consumers’ access to payment accounts more than is necessary to manage money laundering risks. We want to see stricter requirements on banks to…

• FI:s consultation response (In Swedish)

  The Payment Investigation (In Swedish) - Staten och betalningarna (SOU 2023:16)