Din sökning på "can" gav 289 träffar
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
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- Redovisning
Publicerad 2025-11-27 - The method can be used as a tool to analyse risks and vulnerabilities in the corporate sector and its link to the financial sector as well as a complement
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
Firms can primarily cover deficits with liquid assets.
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FI Analysis 51: A model for households’ housing choices
- Konsumentskydd
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- Bolån
Publicerad 2025-11-27 - Households that experience greater buying power tend to choose homes of a higher standard over amortisation payments or savings. This is evident in a new…
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FI Analysis 51: A model for households’ housing choices
As an illustration of how the model can be applied, we simulate the effects of a relaxation of the current borrower-based measures: the mortgage cap is
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Stability in the Financial System (2025:2)
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- Konsumentskydd
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Publicerad 2025-11-26 - The sentiment in the Swedish economy has improved in recent months even if households continue to demonstrate weaker sentiment than normal.
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Swedish Consumer Credit
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Publicerad 2025-11-17 - Unsecured loans can lead to significant costs in the form of interest and fees. … And just like other forms of consumer credit, invoices can lead to debt collection notices and debt registered with the Swedish Enforcement Authority.
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FI Analysis 46: Poor profitability for consumers from autocalls
- Konsumentskydd
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Publicerad 2025-09-01 - From a European perspective, we can also see that the costs in Sweden for these types of products are among the highest in the EU," says Mathias Lien Oskarsson
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FI Analysis 46: Poor profitability for consumers from autocalls (Summary)
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FI Analysis 49: Increased concentration in trading on the Swedish bond markets
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Publicerad 2025-07-23 - The turnover and the number of actors on the bond markets have decreased in recent years. Trading of government bonds has become more concentrated to a few…
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FI Analysis No. 49 Summary - Increased concentration in trading on the Swedish bond markets
We can describe the markets as consisting of a core of actors, who are very active, and many actors in the periphery, who are less active.
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Stability in the Financial System (2025:1): Uncertainty could persist for a while
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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)
This means that they can realise losses and have impaired solvency.
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Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
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Publicerad 2025-04-30 - But consumers can make mistakes not only in digital environments. … One reason could be that advisors are rewarded with high commissions when they sell products that can be both expensive and unsuitable, which leads to
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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
In these cases, the borrower can choose not to amortise. 19 Exemption is possible, for example, for borrowers moving an older existing loan from one
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Legal Position: Rule interpretation for deposits via digital platforms
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- Fintech
Publicerad 2025-03-24 - This mobility can benefit consumers, but it also makes banks and other credit institutions more vulnerable. … "We now show how the rules should be interpreted so the institutions can do the same thing and consider the risks.
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Household savings in Sweden
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Publicerad 2025-03-24 - Those with large loans can be vulnerable to weakened economic conditions and therefore in general have a greater need for a financial buffer.
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Report: Household savings in Sweden
In some cases, we can also talk about the number of accounts or the number of holdings – with the understanding that this is not the same as talking
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How FI reviews money laundering risks in the financial sector in 2025
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- Penningtvätt
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Publicerad 2025-03-10 - There is a high risk that the financial system is used by criminals to launder money and commit other crimes. In 2025, the Financial Supervisory Authority…
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FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
- Konsumentskydd
- Stabilitet
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Publicerad 2025-02-27 - Between the years 2020 and 2023, the number of borrowers with a new unpaid debt registered with the Swedish Enforcement Authority has increased by 23 per…
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The recipients of orders to pay can dispute the orders.
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FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
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Publicerad 2024-12-11 - During the spring of 2023, one Swiss bank and several US banks failed. Multiple actors in both the US and internationally have analysed the underlying causes.…
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transfer of deposits to banks with higher interest, which can make deposits flightier.
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FI Supervision 30: The banks can strengthen their sanction screening
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- Penningtvätt
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- Fördjupad analys
- Betalningar
Publicerad 2024-12-09 - FI Supervision 30: The banks can strengthen their sanction screening
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In depth analysis on sanction screening
In some cases they use manual screening and in other cases they outsource the screening to other banks.
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AI increasingly common in the financial sector, but risk management is lagging behind
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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 models can also suggest how this type of information can be processed.
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FI-analys 47: Låg risk för en omfattande uttagsanstormning i det svenska banksystemet
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Publicerad 2024-11-22 - Den svenska banksektorn har relativt hög motståndskraft avseende de faktorer som orsakade bankoron 2023, då ett flertal banker gick omkull. I de fall svenska…
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FI-analys nr 47: Bankoron 2023 – kan det som hände i USA och Schweiz hända i Sverige?
Can I Speak to Your Supervisor? The Importance of Bank Supervision. Liberty Street Economics. International Monetary Fund. (2023a).
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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 - Cyber attacks can increase further A deterioration in global security increases the risk of attacks on the financial system. … Such attacks can occur in different ways, for example as cyber attacks, disinformation, infiltration and sabotage.
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Stability in the Financial System (2024:2)
Note: OMX Stockholm Large Cap Index; OMX Stockholm Mid Cap Index; OMX Stockholm Small Cap Index.
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FI proposes enhanced preventive work in efforts to prevent investment fraud
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Publicerad 2024-11-07 - FI regularly publishes information for consumers about how they can protect themselves from investment fraud. … Fraudsters can present themselves as very trustworthy.
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Report: Preventing Investment Fraud
Our preventive work On FI’s website and in social media, we provide consumers with tips on how they can avoid being tricked and what they can do if
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Two expert reports on macroprudential policy measures
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Publicerad 2024-09-25 - The following questions were of particular interest for FI and asked to the authors: Under which conditions can the existence or introduction of borrower-based
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Jesper Rangvid: Effects of borrower-based measures
Households can pledge their house as collateral, but can only borrow up to a certain fraction of the value of the house.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
lending can take place above the limits
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Två expertrapporter om makrotillsynsåtgärder
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Publicerad 2024-09-25 - Amorteringskrav, skuldkvoter och tak för belåningsgrad är verktyg för makrotillsyn i Sverige och många andra länder. Men vilka är de potentiella effekterna av…
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Jesper Rangvid: Effects of borrower-based measures
Households can pledge their house as collateral, but can only borrow up to a certain fraction of the value of the house.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
lending can take place above the limits
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FI identifies transition risks in banks’ lending portfolios
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- 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…
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Report: Transition risks in banks’ lending portfolios
, which in turn can have a financial impact on individual banks and the entire banking system.
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Fraud prevention in payment services
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Publicerad 2024-05-31 - FI considers the risk that payment service providers' products and services can be used for fraud in both its risk identification process and prioritisation
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Interest rate puts pressure on indebted households
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Publicerad 2024-05-29 - We can see that there are fewer mortgagors than in previous years. Home buyers also bought slightly less expensive homes and borrowed slightly less.
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The Swedish Mortgage Market Report
In these cases, the borrower can choose not to amortise.
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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
Thus, small firms can be more vulnerable to disruptions than large firms.
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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
This can be more efficient, safer and cheaper.
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FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
- Konsumentskydd
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- Fintech
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- Kryptotillgångar
Publicerad 2024-05-23 - This shows how difficult it can be to choose the right time to invest, especially in assets where the price fluctuates so sharply. … Instead, there is a risk that an investor focuses heavily on historical developments, which can explain why interest in them increases when their price
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FI Analysis 44: Swedish Retail Trading in Cryptocertificates
The most well-known cryptoasset is bitcoin, which is traded on digital platforms and in some cases can be used as a means of payment.
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FI would like the financial market to shift its sustainability work into the next gear
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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?
In some cases, there was no information at all in the templates.
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Firms continue to offer consumers unsuitable products
- Konsumentskydd
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- Kryptotillgångar
- Spara
- Konsument
- Försäkra
- Betala
- Låna
Publicerad 2024-05-08 - Distributors can receive high commissions for selling a certain product, which can result in a conflict of interest where the needs of the consumer can … In terms of non-life insurance, this can include gadget insurance, which is often unnecessary. Unsound lending.
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Consumer Protection Report 2024
In some cases, this can be related to consumers being granted loans they cannot afford.
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FI prioritizes particularly vulnerable sectors to combat money laundering
- Penningtvätt
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- Rapportering
- Nyheter
- Rapporter
- Betalningar
- Kryptotillgångar
Publicerad 2024-04-17 - In order for FI's supervision to be as effective as possible, we direct our resources to areas where the risks are the greatest and where we can achieve
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Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
