Capital adequacy

The business operations of Savings Banks Group are based on low-risk retail banking. The strategic goals are profitable growth, better capital adequacy than the industry as a whole, and a financial standing that is healthy with respect to its capital buffers.

Our risk-bearing capacity is good and our risk-taking policy is conservative. The member organisations of the Savings Banks Amalgamation form a financial entity as defined in the Act on the Amalgamation of Deposit Banks, in which the Savings Banks’ Union Coop and its member credit institutions are jointly liable for each other’s liabilities and commitments.

Capital adequacy

The main components of solvency calculation of the Savings Banks Amalgamation 

Leverage ratio