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• FI is publishing banks’ effective capital headroom

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  Publicerad 2025-02-28 - This will show how much of the banks’ buffer is available to cover losses before a bank breaches a regulatory requirement or its Pillar 2 guidance.

• Capital requirements for Swedish banks, Q4 2024

  Memorandum: Effective CET 1 capital headroom for banks
• Direct contributions to reserves from shareholders as CET1 capital

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  • EBA
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  Publicerad 2025-02-07 - article specifies that items shall be recognised as CET1 capital only where they are available to the institution for unrestricted and immediate use to cover

• Single Rulebook Q&A 2024_7256: Direct contributions to reserves from shareholders

  Capital Requirements Regulation (CRR) - Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and amending Regulation (EU) No 648/2012
• FI and consumer protection

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  Publicerad 2024-12-13 - These rules cover, for example, the information that must be provided, the handling of conflicts of interest and that firms in other respects shall consider
• Home insurance is expected to become more expensive

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  Publicerad 2026-04-29 - As the climate changes, it will probably become more expensive to insure residential property. This is the conclusion of a new report by FI. FI makes the…

• Report: Home insurance against natural hazards in a changed climate

  The fundamental idea behind insurance activities is to spread risk between a sufficiently large number of policyholders that together can cover costs
• FI notifies the EU regarding the extension of the existing risk-weight floor for Swedish mortgages and commercial real estate

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  • ESRB

  Publicerad 2025-04-30 - FI has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to extend for a period of two years the existing risk weight floor…

• •Notification of intended extension to be taken under Article 458 (CRE)

  •Notification of intended extension to be taken under Article 458 (RRE)

  •Notification template for measures to be taken under Article 458 of the Capital Requirements Regulation (CRR) (CRE)

  •Notification template for measures to be taken under Article 458 of the Capital Requirements Regulation (CRR) (RRE)
• Legal Position: Rule interpretation for deposits via digital platforms

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  Publicerad 2025-03-24 - An increasing number of banks and other credit institutions are offering savings via digital deposit platforms. This makes them more vulnerable since the…

• Legal position: Deposits through digital deposit platforms

  Report: Increased deposits via deposit platforms (Summary)
• 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…

• Report: The Swedish Mortgage Market 2024

  In other words, a household’s surplus does not cover as much consumption or savings as it did previously.
• 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…

• Report: AI in the Swedish financial sector

  Many firms state that they use external services that offer generative AI models to generate code.
• MoU between SRB, ECB, SNDO and FI

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  Publicerad 2025-01-31 - A Memorandum of Understanding has been signed between the Single Resolution Board (SRB), the European Central Bank (ECB), the Swedish National Debt Office…

• Memorandum of Understanding between the Single Resolution Board, the European Central Bank, Swedish National Debt Office and Finansinspektionen

  This MoU will come into effect on the date it has been signed by all the Participants. 41.
• Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs

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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…

• Stability in the Financial System (2024:2)

  This break in the trend comes after a long period of steady increases in lending to non-financial corporations.
• Updated Q&A on reporting under the Anti-Money Laundering Act

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  Publicerad 2024-12-02 - As we approach the starting point for the 2025 periodic reporting under the Anti-Money Laundering Act, a number of new questions have arisen. We have…

• FAQs – periodic reporting in accordance with the Anti-Money Laundering Act

  Control functions should cover functions such as Compliance, Internal audit and other types of control functions depending on how the undertaking has
• Financial education continues to be important for strengthening consumers

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  • Finanskunskap
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  Publicerad 2024-10-18 - Many people find it difficult to make decisions about their finances. The majority of Swedes understand financial terms but are not knowledgeable about how…

• Report: FI’s Work with Financial Literacy

  There are also notable differences between groups when it comes to financial literacy and knowledge.
• FI identifies transition risks in banks’ lending portfolios

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  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

  borders that arise from a firm’s own production. 11 In 2022, emissions from the installations included in the EU ETS amounted to 18 million tonnes Co2e
• 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…

• Stability in the Financial System

  Even if the policy rate is expected to come down somewhat in the future, implied markets pricing is indicating that the interest rate will not come down
• FI Supervision 27: Non-life insurance undertakings’ product approval processes

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  Publicerad 2023-09-21 - We have also noted that there seems to be uncertainty in the industry on whether add-on cover should be considered an insurance product on its own based

• FI Supervision 27: Non-life insurance undertakings' product approval processes

  It is always linked to a base cover such as home insurance (content and/or building) and auto insurance.
• Interest rate puts pressure on indebted households

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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…

• The Swedish Mortgage Market Report

  at the end of 2021 com- pared to 1997.
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

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  • 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…

• FI Analysis 44: Swedish Retail Trading in Cryptocertificates

  The origin of these assumptions comes from studying various actors’ price lists for trading these instruments and reviewing the prospectuses for the
• Firms continue to offer consumers unsuitable products

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  • Kryptotillgångar
  • Spara
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  Publicerad 2024-05-08 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks…

• Consumer Protection Report 2024

  FINANSINSPEKTIONEN Consumer Protection Report 2024 Reporting 14 • Analysis of the benefit of cover and gadget insurance.30 • Analysis of
• Our supervision priorities for 2024

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  Publicerad 2024-02-08 - Are consumers being offered the right services on the financial market? How is the sector delivering crucial services in an uncertain global environment? How…

• Supervision priorities for 2024

  review that financial corporations are doing what they should to protect themselves from being used for criminal purposes Society as a whole needs to come
• Updated approach to assessing Pillar 2 guidance for Swedish banks

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  Publicerad 2023-05-31 - evaluation process (SREP) of an institution, FI must assess what constitutes an appropriate level for the bank's own funds in order to, for example, cover

• Updated approach to assessing Pillar 2 guidance for Swedish banks

  The surplus is then used to cover deficits that have been generated in other parts of the sensitivity-based stress test.
• FI Analysis No. 42: Gender differences in investment behaviour

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  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

  The benefit of diversification mainly comes from lower risk, making it hard to argue that an individual who invests in an additional stock automatically
• No extra insurance needed when buying a TV

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  • Fördjupad analys

  Publicerad 2023-02-20 - Almost everyone in Sweden has home insurance, which provides cover if, for example, a refrigerator or TV were to break.

• Report (Summary): Is there a need for supplementary and gadget insurance?
• Greatest risk for repayment problems at so-called instant loan firms

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  Publicerad 2022-12-21 - When inflation increases and interest rates go up, many of the people who received loans despite their small margins will find it difficult to cover all

• Swedish Consumer Credit 2022
• FI notifies the EU regarding the introduction of new risk weight floor for commercial real estate

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  Publicerad 2023-05-15 - Finansinspektionen has notified the Commission and the European Systemic Risk Board (ESRB) that it intends to introduce weight floor for commercial real…

• Notification under Article 458 CRR (national flexibility measure)

  Cover Letter: Notification of the intended introduction of risk weight floors under Article 458 of the Capital Requirements Regulation

  Proposal for new risk weight floors for bank loans to commercial properties (2023-03-29)
• Open finance in Sweden

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  Publicerad 2023-06-28 - Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how…

• Open finance in Sweden

  Based on its dialogue with firms and participants in the industry, FI views Sweden to lie far ahead of the curve when it comes to transferring pensions
• Climate-related transition risks must be given priority

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  Publicerad 2022-04-08 - To obtain a more comprehensive picture, and also to cover physical climate risks, the analysis needs to be supplemented with other methods and tools.

• Transition risks in the banks' loan portfolios – an application of PACTA

  The forecasts need to cover five years.
• The countercyclical buffer rate will be raised

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  • Kontracyklisk buffert

  Publicerad 2022-06-22 - FI has decided to raise the countercyclical buffer rate to 2 per cent, which is its neutral level. This was already communicated in the report Stability in…

• Decision: Countercyclical buffer rate

  This can compensate for some of the cost increase that comes from a higher capital requirement.
• FI raises the countercyclical buffer rate to 1 per cent

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  • Kontracyklisk buffert

  Publicerad 2021-09-29 - But the banks already have the capital today to cover this increase.

• Decision: Countercyclical buffer rate

  This can compensate for some of the cost increase that comes from a higher capital requirement.
• European Commission approves extension of the risk weight floor for Swedish mortgages

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  • EBA
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  • ESRB

  Publicerad 2021-12-06 - 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…

• Comission Decision of 12.11.2021

  EBA issues Opinion on measures to address macroprudential risk following notification by the Finansinspektionen (28 October 2021) (EBA)

  Opinion of the European Systemic Risk Board of 19 October 2021 (ESRB)

  FI notifies the EU regarding extension of the existing risk weight floor for Swedish Mortgages (2021-09-20)
• Nasdaq Clearing receives warning and administrative fine of MSEK 300

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  Publicerad 2021-01-27 - covering the loss in the portfolio, money was withdrawn from the default fund, which consists of contributions from all clearing members and is intended to cover

• Nasdaq Clearing Aktiebolag receives a warning and an administrative fine