Sök på fi.se

Din sökning på "2014" gav 228 träffar

• Stability in the Financial System (2025:2)

  • Bank
  • Försäkring
  • Marknad
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Rapporter
  • Betalningar

  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.

• Stability in the Financial System (2025:2)

  2012 0.692 0.441 January 2013 0.700 0.430 February 2013 0.748 0.383 March 2013 0.756 0.370 April 2013 0.724 0.405 May 2013 0.738 0.405 June 2013

  Appendix of Diagrams

  2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Government bonds Covered bonds FINANSINSPEKTIONEN Stability in the Financial System
• FI Analysis 52: Stress test of banks’ lending to non-financial firms

  • Bank
  • Stabilitet
  • Publicerat
  • Rapporter
  • Redovisning

  Publicerad 2025-11-27 - Commercial real estate firms constitute the single largest risk of credit losses for banks in a stressed scenario. However, other sectors’ total loss…

• FI Analysis 52: Stress test of banks’ lending to non-financial firms

  and Beaver et al., 2018).
• Stability in the Financial System (2025:1): Uncertainty could persist for a while

  • Bank
  • Försäkring
  • Marknad
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Nyheter
  • Rapporter
  • Betalningar

  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,…

• Stability in the Financial System (2025:1)

  2024 Q 3 2024 Q 4 2024 Q 1 2025 Q 1 2024 Q 2 2024 Q 3 2024 Q 4 2024 Q 1 2025 Major Swedish banks Danske Bank and Nordea Combined buffer requirement Tier
• Legal Position: Rule interpretation for deposits via digital platforms

  • Bank
  • Publicerat
  • Nyheter
  • Rapporter
  • Fintech

  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)
• Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market

  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Bedrägerier
  • Spara
  • Konsument
  • Försäkra
  • Betala
  • Låna

  Publicerad 2025-04-30 - Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that…

• Consumer Protection Report 2025 Summary

  Konsumentskyddsrapport 2025 (Swedish)
• Household savings in Sweden

  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Spara
  • Konsument

  Publicerad 2025-03-24 - Swedes hold a large amount of financial assets, but the distribution of these assets is very uneven. Most Swedes hold a small amount of financial assets,…

• Report: Household savings in Sweden

  Note: Refers to June 2024.
• Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs

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

  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)

  But there is also considerable uncertainty -2 0 2 4 6 8 10 12 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 Sweden
• The Swedish Mortgage Market: Households need to have margins for an uncertain future

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

  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

  2018 2019 2020 2021 2022 2023 2024 LTI excl.
• Two expert reports on macroprudential policy measures

  • Bank
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Rapporter
  • Bolån
  • Låna

  Publicerad 2024-09-25 - Amortisation requirements, the LTI ratio, and the LTV cap are macroprudential policy tools that are used in Sweden and many other countries. But what are the…

• Jesper Rangvid: Effects of borrower-based measures

  BIS Quarterly Review, March 2010, 59-67. Cokayne, Graeme (2019).

  J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs

  - 30 June 2019).
• Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment

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

  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

  2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 FINANSINSPEKTIONEN Stability in the Financial System 24 11.
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Rapporter
  • Fintech
  • Betalningar
  • 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

  and (EU) No 1095/2010 and Directives 2013/36/EU and (EU) 2019/1937.
• 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

  ). 16 Korniotis & Kumar (2011). 17 Grinblatt & Keloharju (2000). 18 Korniotis & Kumar (2011).
• Interest rate puts pressure on indebted households

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

  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

  2018 2019 2020 2021 2022 2023 LTI excl.
• 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

  Finansinspektionen (2019). The Commercial Real Estate Market and Financial Stability, May 2019, Reports, FI Ref. 18-20931.
• FI would like the financial market to shift its sustainability work into the next gear

  • Stabilitet
  • Publicerat
  • Rapporter
  • 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…

• Sustainability – how has the financial sector progressed?

  6 March 2024 FINANSINSPEKTIONEN Sustainability – how has the financial sector progressed?
• FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden

  • Stabilitet
  • Publicerat
  • Rapporter

  Publicerad 2023-12-14 - In this FI-analysis we adapt the systemic risk indicator d-SRI to Swedish conditions. d-SRI is intended to give an early warning signal before crises caused by domestic imbalances arise.

• FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden

  -0,8 -0,4 0 0,4 0,8 2011 2013 2015 2017 2019 2021 2023 Equity prices Bank credit Housing prices Current account Debt burden Real credit growth
• 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
• Stability in the Financial System (2023:1)

  • Bank
  • Försäkring
  • Stabilitet
  • Publicerat
  • Rapporter
  • Betalningar

  Publicerad 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…

• Stability in the Financial System 2023:1

  -2 0 2 4 6 8 10 12 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Sweden Euro zone USA FINANSINSPEKTIONEN Stability
• Consumer Protection Report 2023

  • Bank
  • Försäkring
  • Marknad
  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Betalningar

  Publicerad 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.

• Consumer Protection Report 2023

  There are 19 Commission Delegated Regulation (EU) No 231/2013 of 19 December 2012 supplementing
• FI Supervision 27: Non-life insurance undertakings’ product approval processes

  • Försäkring
  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Rapporter

  Publicerad 2023-09-21 - The process for product approval is central from a consumer protection perspective. It aims to ensure that insurance undertakings focus on consumer interests…

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

  /97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution. 2 Commission Delegated Regulation (EU) 2017/2358 of
• The Swedish Mortgage Market 2023

  • Bank
  • Konsumentskydd
  • Stabilitet
  • Publicerat
  • Rapporter
  • Bolån
  • Låna

  Publicerad 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…

• The Swedish Mortgage Market

  2016 2017 2018 2019 2020 2021 2022 59.6 57.4 54.7 51.2 53.2 53.5 56.9 55.1 54.3 Total 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 64.3 66.2

  Mortgagor margins and amortisation exemptions in early 2023

  2018 2019 2020 2021 2022 House purchase Bank switch Equity withdrawal 0 100 200 300 400 500 600 2012 2013 2014 2015 2016 2017 2018 2019 2020

  Data appendix - The Swedish Mortgage Market

  2013 2015 2017 2019 2021 Number of households New loans FI Ref. 23-9603 5 (14) for the key interest rate.5 The calculations take into account
• Report: Banks’ administration of amortisation requirement exemptions

  • Bank
  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Bolån
  • Låna

  Publicerad 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

  ), Andersson et al. (2018) and Andersson and Aranki (2019). 7 FI (2021).
• Swedish Consumer Credit

  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Låna

  Publicerad 2022-12-21 - A large portion of Swedish households’ loans is for their homes. But the households also use loans to finance some of their consumption. Consumption credit…

• Swedish Consumer Credit 2022

  -10,00 -5,00 0,00 5,00 10,00 15,00 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Konsumtionskrediter BNP
• FI Analysis 38: Loans and payment problems among women and men

  • Publicerat
  • Rapporter
  • Låna

  Publicerad 2023-04-14 - Among borrowers over the age of 45, it is more common for women than men to have a debt registered with the Enforcement Authority. One explanation could be…

• FI Analysis 38: Loans and payment problems among women and men

  FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority

  FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
• FI Analysis No. 39: Are the capital buffers fulfilling their purpose?

  • Bank
  • Kapitaltäckning
  • Stabilitet
  • Publicerat
  • Rapporter

  Publicerad 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…

• FI Analysis No. 39: Are the capital buffers fulfilling their purpose? – The relationship between MREL and the capital requirements

  Riksgälden (2017).
• Stability in the Financial System (2022:2)

  • Bank
  • Försäkring
  • Marknad
  • Stabilitet
  • Publicerat
  • Rapporter

  Publicerad 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

  FI Analysis No. 37: Stress tests of funds’ liquidity risks
• Roadmap for sustainable finance

  • Bank
  • Försäkring
  • Marknad
  • Stabilitet
  • Publicerat
  • Om FI
  • Rapporter
  • Hållbarhet

  Publicerad 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…

• Roadmap for sustainable finance

  , Directive 2004/109/EC, Directive 2006/43/EC and Regulation (EU) No 537/2014, as regards corporate sustainability reporting. 6 Regulation (EU) 2019
• Borrower-based measures following high inflation and rising interest rates

  • Bank
  • Publicerat
  • Rapporter
  • Bolån

  Publicerad 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

  -2 0 2 4 6 8 10 2013 2015 2017 2019 2021 CPIF excl. energy CPIF 0 1 2 3 4 5 6 7 2005 2008 2011 2014 2017 2020 Floating 1-3 y 3-5
• Stability in the Financial System (2022:1)

  • Bank
  • Försäkring
  • Marknad
  • Stabilitet
  • Publicerat
  • Rapporter

  Publicerad 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…

• Stability in the Financial System

  -1 0 1 2 3 4 5 6 7 8 9 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 Sweden Euro zone USA FINANSINSPEKTIONEN Stability
• Consumer Protection Report 2022

  • Bank
  • Försäkring
  • Marknad
  • Konsumentskydd
  • Publicerat
  • Rapporter

  Publicerad 2022-04-28 - Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer…

• Consumer Protection Report 2021

  (Commission Delegated Regulation (EU) 2017/565 of 25 April 2016 supplementing Directive 2014/65/EU); Guidelines on complaints-handling by insurance undertakings