Din sökning på "but" gav 243 träffar
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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 - AI increasingly common in the financial sector, but risk management is lagging behind
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Report: AI in the Swedish financial sector
This technology is used by firms throughout the sector but is particularly common among the firms that directly target consumers.
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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
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- Försäkring
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- Stabilitet
- Publicerat
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Publicerad 2024-11-20 - Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
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Stability in the Financial System (2024:2)
But household debt can also entail risks.
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The Bank Barometer: Net profit of Swedish banks continues to increase
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- Nyheter
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Publicerad 2025-04-24 - The report is descriptive, but its aim is not to assess the stability of the Swedish banking system. … This decrease was mainly due to higher administrative expenses but also a decrease in net interest income.
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This decrease was mainly due to higher administrative expenses but also a decrease in net interest income.
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Stability in the Financial System (2025:1): Uncertainty could persist for a while
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- Försäkring
- Marknad
- Konsumentskydd
- Stabilitet
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- Nyheter
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Publicerad 2025-05-16 - But many households continued to have small margins due to the inflation and interest rate developments of the past few years. … Decreased indebtedness among commercial real estate firms, but vulnerabilities remain The indebtedness of commercial real estate firms is decreasing
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Stability in the Financial System (2025:1)
Debt growth is low but has once again begun to increase.
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The Bank Barometer: Swedish banks’ lending to the public continues to increase
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Publicerad 2025-11-19 - The report is descriptive, but its aim is not to assess the stability of the Swedish banking system. … Concentrated market, but major banks are losing shares The Swedish banking market is concentrated, and seven banks account for more than 80 per cent
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The Bank Barometer November 2025
The Bank Barometer describes the Swedish banking system but also covers the activities of Swedish banks outside of Sweden.
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Swedish Consumer Credit
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Publicerad 2025-11-17 - In terms of SEK, unsecured loans represent a large share of consumer credit, but in terms of volume, invoices are most common. … Small unsecured loans often have a high interest rate, but large unsecured loans have a larger total cost since they often have long maturities.
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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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- Stabilitet
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Publicerad 2024-12-11 - Some Swedish banks display several of the vulnerabilities mentioned above, but none of the Swedish banks have the same general risk profile and combination … It is mainly the major Swedish banks that have a greater part of their deposits uninsured, but on the other hand, they have good profitability and higher
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The banking turmoil in 2023 was thus a classic crisis but in modern trappings.
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Household savings in Sweden
- Konsumentskydd
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- Spara
- Konsument
Publicerad 2025-03-24 - Swedes hold a large amount of financial assets, but the distribution of these assets is very uneven.
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Report: Household savings in Sweden
But the distribution of the assets is very uneven.
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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 - But the economic development is uncertain. Households need to allow for continued high housing and living costs.
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Report: The Swedish Mortgage Market 2024
We include amortisation, which are a payment but not a cost.
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Two expert reports on macroprudential policy measures
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- Konsumentskydd
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- Bolån
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Publicerad 2024-09-25 - But what are the potential effects of these borrower-based measures?
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Jesper Rangvid: Effects of borrower-based measures
Affected households become more solvent (have less debt) as a result of the LTV restriction, but also use more of their liquid assets to buy a house.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
But findings need to be interpreted with care.
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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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- Nyheter
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- Konsument
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Publicerad 2025-02-27 - Instant loan firms represent a smaller share of the total debts, but their borrowers experience payment problems much more often than borrowers of niche … The fact that lenders soon will not be able to charge more than 20 per cent in interest will reduce the risk of debt traps, but more needs to be done,"
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But their debt amount was 45 per cent larger in 2023.
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Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
- Konsumentskydd
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- Bedrägerier
- Spara
- Konsument
- Försäkra
- Betala
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Publicerad 2025-04-30 - New trends appear all the time, but as a consumer it is often a good idea to stay cool and not make hasty decisions. … But consumers can make mistakes not only in digital environments.
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
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- Stabilitet
- Publicerat
- Rapporter
- Redovisning
Publicerad 2025-11-27 - Our analysis shows that commercial real estate firms represent the largest share of the credit losses in a stressed scenario, but that other sectors together
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FI Analysis 52: Stress test of banks’ lending to non-financial firms
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Legal Position: Rule interpretation for deposits via digital platforms
- Bank
- Publicerat
- Nyheter
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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.
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FI Analysis 46: Poor profitability for consumers from autocalls
- Konsumentskydd
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- Konsument
Publicerad 2025-09-01 - But autocalls are associated with high risks, and our analysis also shows that in most cases they are unprofitable compared to a direct investment in the
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FI Analysis 46: Poor profitability for consumers from autocalls (Summary)
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FI proposes enhanced preventive work in efforts to prevent investment fraud
- Konsumentskydd
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- Bedrägerier
Publicerad 2024-11-07 - But, naturally, it is all fake," says Mikael Sandahl. FI continues to see a trend that fraudsters are persistent in their contact.
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Report: Preventing Investment Fraud
Despite these efforts, the problem is not only persisting but also growing.
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Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
- Bank
- Försäkring
- Marknad
- Stabilitet
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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.
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Stability in the Financial System
In March, consumption increased compared to last year, but it is still weak.
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Fraud prevention in payment services
- Bank
- Konsumentskydd
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- Bedrägerier
- Betalningar
- Konsument
- Betala
Publicerad 2024-05-31 - Payment service providers do a lot to prevent their payments services from being used for fraud, but this problem is still growing.
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FI identifies transition risks in banks’ lending portfolios
- Bank
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- Hållbarhet
Publicerad 2024-06-04 - The results show that banks overall have limited lending to the firms included in the emissions trading system but also that there are climate-related
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Report: Transition risks in banks’ lending portfolios
The analysis of the banks’ exposures to transition risks covers a limited share of the banks’ total lending, but shows that there are climate-related
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Interest rate puts pressure on indebted households
- Bank
- Konsumentskydd
- Stabilitet
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- Nyheter
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- Bolån
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Publicerad 2024-05-29 - Total lending to households has stagnated, but despite this household indebtedness continues to be high.
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The Swedish Mortgage Market Report
More than one-third of borrowers that took out a loan to buy a new home borrowed between SEK 1 and 2 million (Diagram 5), but a significant portion of
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FI Analysis 45: High risks in small and mid-sized commercial real estate firms
- Bank
- Stabilitet
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- Rapporter
Publicerad 2024-05-27 - "There has been a lot of focus in recent years on the indebtedness of large listed CRE firms, but this analysis shows that they represent a smaller share
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FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
Listed and other large CRE firms amount to fewer than 3 per cent of the firms, but together they represent more than half of the bank loans.
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FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
- Konsumentskydd
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- Nyheter
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- Fintech
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- Kryptotillgångar
Publicerad 2024-05-23 - "The sharp price movements in cryptoassets do not only go upwards, but also downwards.
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FI Analysis 44: Swedish Retail Trading in Cryptocertificates
In 2023, relatively few first-time buyers entered the market to buy cryptocertificates.
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Stability in the Financial System (2025:2)
- Bank
- Försäkring
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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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Stability in the Financial System (2025:2): Summarized stability assessment
Risk-taking is high, in other words, but also shifting very quickly.
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How FI reviews money laundering risks in the financial sector in 2025
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- Försäkring
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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 Supervision 29: Advisors are not taking customers’ sustainability preferences into account
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- Konsumentskydd
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- Fördjupad analys
Publicerad 2024-03-28 - Our analysis shows that firms have begun to implement the rules, but we would have expected them to have progressed further than they have.
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FI Supervision 29: Sustainable advice is a challenge for firms
The analysis shows firms have begun to implement the regulations, but there is still work to be done.
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FI Analysis 51: A model for households’ housing choices
- Konsumentskydd
- Publicerat
- Rapporter
- 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
At the same time, the average utility of homebuyers increases, but the development in housing prices plays a decisive role in whether the utility actually
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FI Analysis No. 42: Gender differences in investment behaviour
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Publicerad 2024-03-18 - But too much financial risk is not good, as excessive risk can lead to large losses.
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FI Analysis No. 42: Gender differences in investment behaviour
But, of course, taking greater risk can also lead to greater losses.
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FI Supervision 30: The banks can strengthen their sanction screening
- Bank
- Penningtvätt
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- Fördjupad analys
- Betalningar
Publicerad 2024-12-09 - FI has tested the effectiveness of 19 banks' automated sanction screening systems. The result shows that the effectiveness of the systems that the banks use…
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In depth analysis on sanction screening
None of the banks achieved an effectiveness of 100 per cent, but seven banks had an effectiveness above 99.3 per cent; see Figure 9.
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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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- Försäkring
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- Stabilitet
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Publicerad 2023-11-28 - In 2023, not only did inflation fall globally, but it is also expected to drop further in 2024. … But there is a heightened uncertainty of how the economy and market will develop.
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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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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?
The assessment will not be included in the 2024 SREP but can influence next year’s process.
