kapitalinõuetega

Kapitalinõuetega refers to capital requirements in finance and banking. These are regulatory requirements that mandate financial institutions, particularly banks, to hold a certain amount of capital relative to their risk-weighted assets. The primary goal of capital requirements is to ensure that banks have sufficient financial reserves to absorb potential losses, thereby safeguarding depositors and maintaining the stability of the financial system.

These requirements are typically set by regulatory bodies such as central banks or supervisory authorities. They are often expressed as a percentage of risk-weighted assets, meaning that assets deemed riskier are assigned a higher weighting, thus requiring more capital to be held against them. Common capital ratios include the Common Equity Tier 1 (CET1) ratio, Tier 1 capital ratio, and the total capital ratio.

The Basel Accords, particularly Basel III, are international regulatory frameworks that have significantly influenced the development and implementation of capital requirements globally. These accords aim to harmonize regulatory approaches across different countries and enhance the resilience of the banking sector to financial and economic shocks. By maintaining adequate capital, banks are better positioned to withstand periods of stress and continue lending, contributing to economic stability. Failure to meet capital requirements can result in supervisory actions, restrictions on business activities, and potential penalties.