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ÅRSMELDING 2018

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(1)

ÅRSMELDING

2018

(2)

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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(3)

INNHALD

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LEDELSENS BERETNING 4

II

INTRODUKSJON TIL VERKSEMDA OG HOVUDTAL 7

LEIING, PERSONALE OG ORGANISASJON 8

KOMMUNIKASJON 16

INTERNASJONALT SAMARBEID 19

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(4)

I LEDELSENS BERETNING

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LEDELSENS BERETNING

(6)

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Finn Arnesen styreleder

Morten Baltzersen ƧM@MRSHKRXMRCHQDJSýQ

(7)

II INTRODUKSJON TIL

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(8)

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(9)

Frå venstre:

Mette Bjørndal Inga Baadshaug Eide Arne Skauge Thorunn Falkanger Bjørn Arild Gram Finn Arnesen Giuditta Cordero-Moss Sindre Weme Johan Fredrik Øhman Kjetil Wibe

Foto:

Jarle Nyttingnes Styresamansetnaden frå 1. mars:

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(10)

Leiargruppa i Finanstilsynet

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ITQHCHRJCHQDJSýQ Gun Margareth Moy

@CLHMHRSQ@RINMRCHQDJSýQ Kjetil Karsrud

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Frå venstre:

Anne Merethe Bellamy Ann Viljugrein Gun Margareth Moy Morten Baltzersen Kjetil Karsrud Cecilie Ask Per Mathis Kongsrud Foto:

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(11)

Personale og organisasjon

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Fakta

3@KDSOîSHKRDSSDH%HM@MRSHKRXMDSUDCTSF@MFDM

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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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(12)

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

7DOHWS§UHJLVWUHUWHVDNVGRNXPHQWWLORJIU§)LQDQVWLOV\QHW DXNDPHGIU§WLO$XNHQVNULYVHJPHOORP DQQDIU§DW)LQDQVWLOV\QHWO\VWHXWPDQJHVWLOOLQJDUL 'HWYDU´JHLQDXNHLWDOHWS§YXUGHULQJDUDYRP

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(13)

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

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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

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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

%NQRHJQHMFR@FDMSEýQDS@JRNLCHRSQHATDQDQENQRHJQHMF@QADQQDENQENQRHJQHMFREýQDS@JLDCJNMSNQRS@CH-NQDFDQHJJIDHMJKTCDQSDHCDMMD NUDQRHJS@ JRDRRNQHRJDENQRHJQHMFR@FDMS@QCDSUHKRDHDEýQDS@JRNLG@QENQRHJQHMFRENQLHCKHMFRNLDHRHCDUDQJRDLCDQGDKKDQHJJID HMJKTCDQSD

%ýQDS@JTMCDQSHKRXMEQî

6 *NMRDRINMROKHJSEQîI@MT@Q

7 *NMRDRINMROKHJSEQîI@MT@Q

8 $SSDQDHDMCQHMFHUDQCHO@OHQG@MCDKKNU@ITKHNFLDCHMMEýQHMF@UCDSDTQNODHRJDHMEQ@RSQTJSTQNFL@QJM@CRCHQDJSHUDS$,(1DQ HJJIDKDMFDQTS@MK@MCRJDRDMSQ@KDLNSO@QS@QTMCDQSHKRXM@U%HM@MRSHKRXMDS2DMSQ@KDLNSO@QS@QJ@MKHJDUDKG@KCDEQ@LLDCîCQHUD UDQJRDLCH-NQDFHJQ@ES@UîG@KýXUDDSSDQ$,(1EQîLXMCHFGDHS@HGDHLK@MCDS

)LQDQVWLOV\QHWKDULWLOOHJJNRQWUROOPHGGHQnjQDQVLHOOH UDSSRUWHULQJDWLORPODJQRWHUWHIºUHWDNRJIºUHUWLOV\Q PHGYHUGLSDSLUIRQG

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(14)

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

'HWO§JHWDOHWS§WLOV\QLNDWHJRULHQm%DQNRJnjQDQV}

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(15)

STYRET Finn Arnesen leiar

FINANSTILSYNSDIREKTØR 0RUWHQ%DOW]HUVHQ

AVDELING FOR BANK- OG FORSIKRINGSTILSYN

Ann Viljugrein CHQDJSýQ

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IT (internt) .MHOO6NDXJ Soliditetsregulering

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Banktilsyn

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Verdipapirføretak

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Fond og kollektive investeringar

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Eigedomsmekling og inkasso

$QQH.DUL7XY RDJRINMRRIDE DIREKTØREN SIN STAB

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Analyse og rapportering 7KHD%LUNHODQG.ORVWHU RDJRINMRRIDE

Finanstilsynet sin organisasjon

2SSGDWHUWSHU

(16)

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Kommunikasjon med føretaka i njQDQVVHNWRUHQ

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Kommunikasjon

(17)

Dokumentinnsyn hos Finanstilsynet

,IHNN)LQDQVWLOV\QHWIºUHVSXUQDGRPLQQV\QLWLO VDPDQGRNXPHQWGRNXPHQWEOHLLNNMH XWOHYHUWHIRUGLGHLYDUKHLOWXQQDWHNQHIU§RNjHQWOHJLQQV\Q 'HWWHHUHLQDXNHIU§GRNXPHQWL'HLǍHVWH LQQV\QVEHVWLOOLQJDQHNMHPYLDGHQRNjHQWOHJHHOHNWURQLVNH SRVWMRXUQDOHQH,QQV\QQRVRPHUIHOOHVIRUDOOH

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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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(18)

Finanstilsynet sine viktigaste relasjonar

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(25)

Tilsyn, overvåking og kontroll

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(26)

Likviditetsovervåking

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(27)

Oppfølging av systemviktige foretak og foretak som behandles i tilsynskollegier

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(28)

Oppfølging av særskilte temaer

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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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Tabell 7: Nye rammekreditter i brudd med kravene i boliglånsforskriften

Prosent av antall lån 2014 2015 2016 2017 2018

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8WLOVWUHNNHOLJEHWMHQLQJVHYQHVWUHVVWHVWPHGSURVHQWSRHQJUHQWHºNQLQJ 2 1 1 1 1

6DPOHWJMHOGRYHUVWLJHUIHPJDQJHUEUXWWR§UVLQQWHNWJMHOGVJUDG 5 4 6 1 2

Referanser

RELATERTE DOKUMENTER

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Målet med revisjonen er å oppnå betryggende sikkerhet for at årsregnskapet som helhet ikke inneholder vesentlig feilinformasjon, verken som følge av misligheter eller utilsiktede

Målet med revisjonen er å oppnå betryggende sikkerhet for at årsregnskapet som helhet ikke inneholder vesentlig feilinformasjon, verken som følge av misligheter eller utilsiktede

Målet med revisjonen er å oppnå betryggende sikkerhet for at årsregnskapet som helhet ikke inneholder vesentlig feilinformasjon, verken som følge av misligheter eller utilsiktede

Målet med revisjonen er å oppnå betryggende sikkerhet for at årsregnskapet som helhet ikke inneholder vesentlig feilinformasjon, verken som følge av misligheter eller utilsiktede

Målet med revisjonen er å oppnå betryggende sikkerhet for at årsregnskapet som helhet ikke inneholder vesentlig feilinformasjon, verken som følge av misligheter eller utilsiktede

Målet med revisjonen er å oppnå betryggende sikkerhet for at årsregnskapet som helhet ikke inneholder vesentlig feilinformasjon, verken som følge av misligheter eller utilsiktede

Målet med revisjonen er å oppnå betryggende sikkerhet for at årsregnskapet som helhet ikke inneholder vesentlig feilinformasjon, verken som følge av misligheter eller utilsiktede