ÅRSMELDING
2018
Finansielt utsyn 2018
rapporten Finansielt utsyn 2018, som blir publisert i juni og november.
Finan ns sielt u ut t ts s s sy y y yn n 2018
rapppporten FFiFFFFiiii annnaaannnsssiielt utstts n yyy 2018, sombblliir rppuubblisert i juni og november.
Finansielt utsyn 2018
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INTERNASJONALT SAMARBEID 19
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Foto:
Jarle Nyttingnes Styresamansetnaden frå 1. mars:
Finn Arnesen leiar
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Endre Skjørestad leiar
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Personale og organisasjon
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Fakta
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+ýMM@SHKCHQDJSýQDMU@QJQNMDQ UDCTSF@MFDM@U%@RSîQKDFGNMNQ@QSHK RSXQDKDH@QDMU@QJQNMDQSHKMDRSKDH@QDM JQNMDQNFSHKRSXQDLDCKDLLDMD zzJQNMDQ3HKEýQRSDU@Q@LDCKDL U@QGNMNQ@QDSzJQNMDQNFSHK@MCQD U@Q@LDCKDLU@QCDSJQNMDQ
29 og under 30–39 40–49 50–59 60 og over 30
58
97 77
40
Figur 1: Alderssamansetnad .MHOGH6$3
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3@K@HMJKTCDQDQE@RSSHKRDSSDLDKKNLADKRSHKRDSSDîQDLîKNFDMF@RIDLDMS}T@UGDMFHF@URSHKKHMFROQNRDMS
Tabell 1: Hovudtal
2017 2018
7DOS§§UVYHUN 271 282
6DPODWLOGHOLQJSRVWŞ kr 378 678 000 kr 414 514 000
8WQ\WWLQJVJUDGHQS§SRVWŞ
6XPXWEHWDOLQJDUWLOGULIW kr 352 305 231 kr 381 580 822
/ºQQVGHODYXWEHWDOLQJDUWLOGULIW
/ºQQSHU§UVYHUN NU kr 974 214
Figur 2: Dokumentbehandling
2016 2017 2018
6DNVGRNXPHQWWRWDOW 49 143 51 527 54 024
2016 2017 2018
Fagområde
Saksdokument
Administrasjon/stab Finans og forsikring Verdipapir Eigedomsmekling og inkasso Rekneskap og revisjon
0 5 000 10 000 15 000 20 000 25 000
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%ýQRTLLDMAKHQCDKSOîîQRUDQJAKHQQDETRINM@QRNLFIDKCKýMMSQDJSDEQî2IîøFJ@OHSSDK5(ŊQRQDJMDRJ@OOîRHCDHMNSD4SADS@KHMF@Q SHKKý[email protected]@U@QSRJNMSNQ@OONQSDQHMF@
Tabell 2: Oversikt over føretak under tilsyn per 31.12.2018
2014 2015 2016 2017 2018
6SDUHEDQNDU
Bankar1IU§ 105 104
125 126 126
)RUUHWQLQJVEDQNDU 19 22
)LQDQVLHULQJVIºUHWDN
55 57 25 24 28
.UHGLWWIºUHWDN2 34 33 33
)LOLDODULXWODQGHWDYQRUVNHEDQNDURJDQGUHNUHGLWWLQVWLWXVMRQDU 18 7 18 18 12
)LOLDODUL1RUHJDYXWDQODQGVNHEDQNDURJNUHGLWWLQVWLWXVMRQDU 40 41 39 39 35
6SDUHEDQNRJnjQDQVVWLIWLQJDU 25 25 30 33 33
%HWDOLQJVIºUHWDN 14 15 15 19 16
(SHQJHIºUHWDN 3 4 6 7 6
/LYVIRUVLNULQJVIºUHWDN 13 13 13 12 12
6NDGHIRUVLNULQJVIºUHWDNLQNOEUDQQNDVVDU3 59 60 59 58 56
6MºWU\JGHODJ 10 9 6 6 5
)LOLDODULXWODQGHWDYQRUVNHIRUVLNULQJVIºUHWDN 15 13 13 13 8
)LOLDODUL1RUHJDYXWDQODQGVNHIRUVLNULQJVIºUHWDN 31 32 29 29 28
)RUVLNULQJVIRUPLGOLQJVIºUHWDN4 102 102 107 107 101
3ULYDWHSHQVMRQVNDVVDU 52 49 48 47 50
.RPPXQDOHSHQVMRQVNDVVDU 38 39 39 37 37
,QQVNRWVSHQVMRQVIºUHWDN5 Ş 1 1 1 1
3HQVMRQVIRQG 4 4 4 1 1
+ROGLQJIºUHWDN 11 14 17 13 15
9HUGLSDSLUIºUHWDN 106 114 107 106 96
)LOLDODUL1RUHJDYXWDQODQGVNHYHUGLSDSLUIºUHWDN 22 22 19 19 22
)RUYDOWLQJVVHOVNDSIRUYHUGLSDSLUIRQG 30 30 31 29 29
)RUYDOWDUDUDYDOWHUQDWLYHLQYHVWHULQJVIRQG6 Ş 15 35 37 40
5HJLVWUHUWHIRUYDOWDUDUDYDOWHUQDWLYHLQYHVWHULQJVIRQG7 Ş 51 67 110 107
6HQWUDOHPRWSDUWDUWLGORSSJMHUVVHQWUDODU8 4 3 4 Ş –
9HUGLSDSLUUHJLVWHU 1 1 1 1 1
5HJXOHUWHPDUNQDGHULQNOEºUVDU 5 5 5 5 5
5HYLVRUDU 7 191 7 380 7 570 7 807 7 933
5HYLVMRQVVHOVNDS 533 516 488 447 447
5HNQHVNDSVIºUDUDU 11 500 11 558 11 185 11 350 11 606
5HNQHVNDSVIºUDUVHOVNDS 2 858 2 835 2 785 2 827 2 772
(LJHGRPVPHNODUIºUHWDN 499 500 503 510 506
$GYRNDWDUPHG 1 278 1 238 1 164 1 160 1 056
,QNDVVRIºUHWDN 98 100 103 99 101
2SSNMºSVIºUHWDN 4 4 3 7 8
1 %QîAKHQENQQDSMHMFRA@MJ@QNFRO@QDA@MJ@QQDJM@R@L@MHJ@SDFNQHDMwA@MJ@Qx
2 %QîDQJ@SDFNQHDMwƧM@MRHDQHMFREýQDS@JxCDKSHJ@SDFNQH@MDwƧM@MRHDQHMFREýQDS@JxNFwJQDCHSSEýQDS@Jx
3 %QîDQAQ@MMJ@RR@QHMJKTCDQSDHRJ@CDENQRHJQHMFREýQDS@J
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Tabell 3: Stadlege tilsyn fordelt på føretakstypar – inkludert IKT-tilsyn
2014 2015 2016 2017 2018
%DQNRJnjQDQV 67 54 53 42 35
%HWDOLQJVIºUHWDNRJHSHQJHIºUHWDN 1 1 3 Ş 2
/LYVIRUVLNULQJVIºUHWDN 3 3 4 7 4
6NDGHIRUVLNULQJVIºUHWDN 10 6 8 9 6
)RUVLNULQJVIRUPLGOLQJVIºUHWDN 3 2 3 5 1
3HQVMRQVNDVVDURJIRQG 3 2 2 3 1
9HUGLSDSLUIºUHWDN 11 17 8 12 14
)RUYDOWLQJVVHOVNDSIRUYHUGLSDSLUIRQG 3 2 2 Ş 2
,QIUDVWUXNWXUIºUHWDN Ş 1 4 3 4
5HYLVRUDU 29 40 32 41 16
5HNQHVNDSVIºUDUDU 50 43 40 57 63
(LJHGRPVPHNODUDU 32 37 29 25 21
,QNDVVRIºUHWDN 3 6 7 6 4
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STYRET Finn Arnesen leiar
FINANSTILSYNSDIREKTØR 0RUWHQ%DOW]HUVHQ
AVDELING FOR BANK- OG FORSIKRINGSTILSYN
Ann Viljugrein CHQDJSýQ
Forsikringstilsyn +HJH%XQNKROW(OVWUDQG Forvalting og kriseberedskap 2OH-ºUJHQ.DUOVHQ RDJRINMRRIDE
IT og betalingstenester 2ODY-RKDQQHVVHQ RDJRINMRRIDE
IT (internt) .MHOO6NDXJ Soliditetsregulering
%MºUQ$QGHUVHQ RDJRINMRRIDE
Banktilsyn
/LQGD6WºOH+§UVWDG RDJRINMRRIDE
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Verdipapirføretak
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Revisjon og rekneskapsføring .MHUVWL(OYHVWDG
RDJRINMRRIDE
Fond og kollektive investeringar
%ULWW+MHOOHJMHUGH RDJRINMRRIDE
Eigedomsmekling og inkasso
$QQH.DUL7XY RDJRINMRRIDE DIREKTØREN SIN STAB
Cecilie Ask ITQHCHRJCHQDJSýQ /LVEHWK6WUDQG
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Analyse og rapportering 7KHD%LUNHODQG.ORVWHU RDJRINMRRIDE
Finanstilsynet sin organisasjon
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Kommunikasjon med føretaka i njQDQVVHNWRUHQ
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Konferansar og seminar
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Foredrag
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Mediekontakt
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Kommunikasjon
Dokumentinnsyn hos Finanstilsynet
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Tabell 4: Innsynskrav – dokument
2016 2017 2018
Bestillingar 2 116 3 379 4 034
Ikkje utleverte 714 873 1 391
Nettstaden til Finanstilsynet
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Tiltak for klart språk i Finanstilsynet
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Finanstilsynet sine viktigaste relasjonar
Finanstilsynet
Stortinget
Regjeringa
Finansdepartementet
Føretak under tilsyn ØKOKRIM
Noregs Bank
Statistisk sentralbyrå
Oslo Børs og
andre regulerte marknader Forbrukarrådet og
Forbrukartilsynet
Brønnøysundregistra
Konkurransetilsynet
Utanlandske tilsynsmyndigheiter Datatilsynet
Nasjonalt tryggingsorgan
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Rapport fra tilsynsområdene
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Tilsyn, overvåking og kontroll
Overvåking og analyser
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Stedlige tilsyn
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Oppfølging av øvrige foretak
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Oppfølging av særskilte temaer
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Oppfølging av foretak som tilbyr forbrukslån
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Regnskapsmøter
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Oppfølging av boliglånsforskriften
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Boliglånsundersøkelsen 2018
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Tabell 6: Nye nedbetalingslån i brudd med kravene i boliglånsforskriften
Prosent av antall lån 2014 2015 2016 2017 2018
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$YGUDJVIULKHWRYHUSURVHQWEHO§QLQJVJUDG 12 9 7 4 3
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Tabell 7: Nye rammekreditter i brudd med kravene i boliglånsforskriften
Prosent av antall lån 2014 2015 2016 2017 2018
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