tallettajakohtaisesti

Tallettajakohtaisesti is a Finnish term that translates to "per depositor" or "on a depositor-by-depositor basis" in English. It is a concept primarily used in the context of banking and financial regulation, particularly concerning deposit insurance. This term signifies that protection measures or calculations are applied individually to each distinct depositor, rather than to the total amount of deposits held by an institution or to a group of depositors collectively.

When discussing deposit insurance, for instance, tallettajakohtaisesti means that a guarantee limit, such as a specific monetary sum, applies to the funds an individual or entity has deposited in a bank. If a bank fails, the deposit insurance scheme will compensate each depositor up to that limit for their eligible deposits. This individual application ensures fairness and prevents one depositor from absorbing the protection intended for many.

Beyond deposit insurance, the principle of tallettajakohtaisesti can be relevant in other financial scenarios. It might influence how interest is calculated or distributed, how fees are applied, or how risk is assessed for different account holders. In essence, it emphasizes a granular approach to managing and protecting individual financial relationships within a banking institution. The focus remains on the unique standing and holdings of each depositor.