pääomamittareista

Pääomamittarit, often translated as capital metrics or capital gauges, are tools used to assess and monitor the financial health and capital adequacy of institutions, particularly in the financial sector. These metrics help determine if an entity has sufficient capital to absorb potential losses and meet its obligations. Commonly used capital metrics include ratios like the Common Equity Tier 1 (CET1) ratio, Tier 1 capital ratio, and Total capital ratio. These ratios compare a company's capital to its risk-weighted assets, providing a standardized way to measure its resilience. Regulators often set minimum capital requirements based on these metrics to ensure the stability of the financial system. Beyond regulatory frameworks, companies themselves use capital metrics for internal risk management, strategic planning, and investor relations. A strong capital position, indicated by favorable capital metrics, suggests a lower risk of insolvency and a greater capacity for future growth and investment. Conversely, declining capital metrics can signal potential financial distress and may trigger supervisory intervention or necessitate capital-raising activities.