vähimmäispääomavaatimuksen
The term “vähimmäispääomavaatimuksen” refers to a minimum capital requirement, a regulatory standard that obliges financial institutions to hold a specified amount of capital relative to their risk‑weighted assets. The concept is central to prudential regulation in banking, insurance, and securities firms and is designed to protect the stability of the financial system by ensuring that institutions can absorb losses and continue operating during periods of stress.
In the European Union, the minimum capital requirement for banks is largely defined by the Basel III
The calculation of the minimum capital requirement involves assigning a risk weight to each asset or portfolio
Finland adopts these EU frameworks through the Finnish Financial Supervisory Authority (FIN-FSA), which applies the same