{"id":27625,"date":"2026-04-24T04:00:00","date_gmt":"2026-04-24T02:00:00","guid":{"rendered":"https:\/\/www.thebrokernews.ch\/?p=27625"},"modified":"2026-04-23T17:02:15","modified_gmt":"2026-04-23T15:02:15","slug":"finma-focus-on-stability-symposium","status":"publish","type":"post","link":"https:\/\/www.thebrokernews.ch\/en\/finma-focus-on-stability-symposium\/","title":{"rendered":"FINMA: Focus on Stability"},"content":{"rendered":"
FINMA: Focus on stability. Photo: Stefan Walter, Director. <\/span><\/div>\n\n

At FINMA’s Small Insurers Symposium on 26 April 2026 yesterday, Director Stefan Walter emphasized the importance of resilience, customer protection and proportional supervision and placed greater focus on climate risks.<\/strong><\/p>\n\n

In recent years, the Small Insurers’ Symposium has established itself as a fixture in the Swiss insurance industry calendar. For the Swiss Financial Market Supervisory Authority FINMA<\/a>, the event is more than just an industry meeting: It serves as a platform for direct dialog with small and medium-sized insurers. The supervisory authority considers this dialog to be central to practical regulation. The topics discussed extend far beyond individual institutions and concern the stability and credibility of the entire Swiss financial center. <\/p>\n\n

Stable situation despite global uncertainties<\/strong><\/h6>\n\n

Against the backdrop of geopolitical tensions, economic uncertainties and increasing risks, the Swiss insurance market is proving robust. The solvency ratios according to the Swiss Solvency Test remained largely stable in 2025. In FINMA’s view, this confirms the resilience of the supervised institutions, even in an environment characterized by international crises. <\/p>\n\n

At the same time, the supervisory authority has further sharpened its focus: resilience of the system, protection of policyholders and integrity of the market are at the center of attention. Progress has been made in the area of customer protection in particular, for example through stricter requirements for supplementary health insurance and by intervening in non-compliant billing practices. Intermediary supervision was also intensified, with numerous unqualified market participants being identified and proceedings initiated. <\/p>\n\n

Climate risks come to the fore<\/strong><\/h6>\n\n

Natural events and their financial consequences were a key topic in 2025. The rockfall in the Valais village of Blatten<\/a>, with estimated insured losses of around CHF 320 million, illustrates the growing importance of climate risks for the insurance industry. Events of this kind show that natural hazards are becoming increasingly systemically relevant. <\/p>\n\n

FINMA is responding to this with increased awareness and new instruments. Since 2025, it has published an annual climate risk report based on the CO\u2082 Act. This analyzes the exposure of financial institutions to climate risks and shows how these are integrated into risk management. The assessment is clear: both physical risks and transformation risks will continue to increase. <\/p>\n\n

Proportional supervision for smaller insurers<\/strong><\/h6>\n\n

Proportionality in supervision remains a key concern for FINMA. Smaller insurance companies should be relieved of specific burdens without jeopardizing the stability of the system. In the course of the revision of the Insurance Supervision Act, corresponding simplifications were implemented, for example with regard to reporting and data collection. <\/p>\n\n

This approach is also evident in on-site inspections: while larger institutions are inspected regularly, such measures are primarily applied to smaller insurers in the event of specific risks. FINMA carried out a total of 43 on-site inspections in 2025, five of which were at smaller companies. <\/p>\n\n

TBTF regulation with limited consequences for insurers<\/strong><\/h6>\n\n

The too-big-to-fail regulatory package presented by the Federal Council is primarily aimed at the banking sector, particularly in response to the crisis surrounding Credit Suisse. The impact on insurance companies remains limited. However, individual elements, such as the rotation obligation for audit firms or FINMA’s extended sanction options, will also be relevant for them. <\/p>\n\n

In principle, insurance supervision is already well positioned today. Instruments such as risk-based capital requirements, comprehensive governance requirements and preventive intervention options are established and are considered more robust than in the banking sector. <\/p>\n\n

Continuity and targeted further development<\/strong><\/h6>\n\n

FINMA is focusing on continuity in the insurance sector, combined with targeted adjustments. New instruments are primarily intended to have a preventative effect and focus on problematic institutions. At the same time, key topics such as governance, customer protection and digitalization remain in focus. <\/p>\n\n

From a supervisory perspective, the increasing complexity of data in particular requires new technological solutions to ensure efficiency and effectiveness. Dialogue with the industry – especially with small and medium-sized insurers – remains a key component of supervisory practice. <\/p>\n\n

Binci Heeb<\/p>\n\n

Read also: FINMA takes stock – and invites you to a dialog<\/a><\/p>\n\n

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