Din sökning på "pap" gav 126 träffar
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Report: Prioritised risks related to money laundering, terrorism financing and international sanctions
- Bank
- Marknad
- Penningtvätt
- Publicerat
- Rapporter
- Betalningar
Publicerad 2026-06-18 - There is a significant risk that the financial system will be exploited by criminals to launder money and commit crimes. In 2026, Finansinspektionen (FI) will…
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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.
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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…
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
Debt servicing capacity captures the business’s ability to pay interest and amortisation.
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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…
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FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
- Bank
- Stabilitet
- Publicerat
- Rapporter
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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See page 5 for a more detailed discussion regarding the build-up of interest rate risk in the banks in question.
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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…
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Sustainability – how has the financial sector progressed?
These risks are closely linked to nature- related risks and interact with them (see page 18).
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Firms continue to offer consumers unsuitable products
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Kryptotillgångar
- Spara
- Konsument
- Försäkra
- Betala
- Låna
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…
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Consumer Protection Report 2024
Without a payment account, it is difficult to be paid a salary, pay bills, and pay with a credit card.
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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…
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Stability in the Financial System
As inflation decreases, earnings will probably increase at a slower pace.
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FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
- Hållbarhet
- Fördjupad analys
Publicerad 2024-03-28 - Six out of ten say that sustainability is important when saving money. Advisors at banks, investment firms and insurance intermediaries have an obligation to…
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FI Supervision 29: Sustainable advice is a challenge for firms
(delegated regulation for IDD). 4 Point 4 of ESMA’s Guidelines on certain aspects of the MiFID II suitability requirements (ESMA35-43-3172) and page
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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…
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FI Analysis No. 42: Gender differences in investment behaviour
This is also evident in that men pay just over three-quarters of all tax on the sale of securities and company shares.9 Differences arise at a young
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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.
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FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
“Asset prices, financial and monetary stability: exploring the nexus”, BIS Working Paper, No. 114, July. Detken, C., O. Weeken, L. Alessi, D.
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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…
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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
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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…
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Report: Banks’ administration of amortisation requirement exemptions
Working Paper. Finansinspektionen (2017). Amortisation requirement reduced household debt. FI Analysis 10. Finansinspektionen (2021).
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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…
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Stability in the Financial System 2023:1
The higher interest rates and the economic slow-down are now causing debt to grow at a slower pace.
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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…
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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…
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Roadmap for sustainable finance
subject to a requirement to report sustainability information using templates published by the EBA. 17 See Recital 10 of SFDR and Bill 2020/21:66 page
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Finansinspektionen’s strategy to prevent greenwashing
- Bank
- Försäkring
- Marknad
- Publicerat
- Om FI
- Rapporter
- Hållbarhet
Publicerad 2022-12-13 - FI’s strategy for preventing greenwashing in the financial sector aims to safeguard the trust in sustainable investments and a sustainable finance market.
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Finansinspektionen’s strategy to prevent greenwashing
, among other things, inform the customer about the concept of sustainability preferences and the 6 See Recital 10 of SFDR and Bill 2020/21:66 page
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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…
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Stability in the financial system 2002:2
Macro-based stress tests of Swedish banks: results and method, Autumn 2022
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Funds with sustainable investment as its objective
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 2022-10-12 - The Swedish Financial Supervisory Authority, Finansinspektionen (FI) has conducted an in-depth analysis of how managers of funds registered in Sweden that…
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Funds with sustainable investment as its objective
All of these funds had an EU Paris‐aligned benchmark, a so-called PAB index.
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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…
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Stability in the Financial System
Simplified, this means that if the interest rate were 6 per cent, the firms on average would just be able to pay their interest.
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FI Analysis 31: Funding structure of the major banks – historical trends
- Bank
- Publicerat
- Rapporter
Publicerad 2021-05-11 - Major Swedish banks obtain a large portion of their market funding through commercial paper and covered and unsecured bonds. … However, short-term market funding in the form of commercial paper has decreased in favour of bonds, which is a longer form of funding.
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FI Analysis 31: Funding structure of the major banks – historical trends
Note: CD/CP = Certificate of Deposit/Commercial Paper.
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Stability in the Financial System (2021:2)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Coronaviruset
Publicerad 2021-11-23 - Sweden’s economy has largely recovered and there is good access to financing in the financial system. The Riksbank should therefore begin the phase-out of…
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Stability in the Financial System (2021:1)
- Bank
- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
- Coronaviruset
Publicerad 2021-06-01 - The economy is continuing to recover. Support measures have been necessary to speed up the recovery, but they need to be gradually phased out as the economy…
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FI Supervision Report 23: Observations from anti-money laundering reporting
- Bank
- Försäkring
- Marknad
- Penningtvätt
- Publicerat
- Rapportering
- Rapporter
Publicerad 2021-06-18 - FI has analysed and compared information that firms under FI’s money laundering supervision reported to the authority during the years 2018-2021. The analysis…
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FI Supervision Report 23: Observations from anti-money laundering reporting
A fine was issued for all of them. 6 FI:s arbete mot penningtvätt och finansiering av terrorism, 15 November 2019, page 21.
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FI Analysis No. 33: Household debt and resilience
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 2021-06-10 - The ability to borrow is beneficial to households in many ways. At the same time, debt can make their consumption more sensitive to unexpected changes in…
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FI Analysis No. 33: Household debt and resilience
Most borrowers are allowed to pay down the principal ahead of schedule at no extra cost.
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FI Analysis 30: Internal price on carbon – what and why?
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 2021-03-18 - To reach the climate goals in the Paris Agreement, carbon emissions must go down. The most efficient way to achieve this is by raising the cost of emissions…
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FI Analysis 30: Internal price on carbon – what and why?
Working Paper. OECD (2018). Effective Carbon Rates 2018.
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Cyber threats and financial stability – FI’s roll and assignments
- Bank
- Försäkring
- Marknad
- Publicerat
- Rapporter
Publicerad 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.…
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Cyber threats and financial stability – FI’s role and assignments
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FI Analysis 27: Non-financial firms and financial stability: a description of vulnerabilities
- Bank
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2021-01-19 - This FI Analysis describes how vulnerabilities from lending to non-financial firms arise and why FI needs to follow them to fulfil its assignment to safeguard…
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FI-analys 27: Non-financial firms and financial stability: a description of vulnerabilities
The Financial Instability Hypothesis, Working Paper No 74, The Levy Economics Institute of Bard College.
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Sustainability Report 2021 – the climate in focus
- Bank
- Försäkring
- Marknad
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 2021-03-18 - Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…
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Sustainability report 2021 – the climate in focus
The pages on FI’s website are available only in Swedish, but the linked EU pages are in English.
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Consumer Protection Report 2021
- Bank
- Försäkring
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and…
