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Financial ratio assessing long-term financial soundness
A solvency ratio is a financial ratio used to assess an organisation's ability to meet its longer-term obligations and remain financially sound over time
Solvency_ratio
Term in finance or business
liquidity Debt ratio Going concern Insolvency Quick ratio Zietlow & Seidner 2007, p. 5 Gaist 2009, p. 34 "Solvency Ratios vs. Liquidity Ratios: What's the
Solvency
Directive in European Union law
Solvency II Directive 2009 (2009/138/EC) is a Directive in European Union law that codifies and harmonises the EU insurance regulation. Primarily this
Solvency_II
Required amount of capital needed by financial institutions
typically been expressed as ratios of capital to assets, including a so-called solvency ratio or capital adequacy ratio in which the assets on the denominator
Capital_requirement
capital structure, financial solvency, and degree of leverage, at a particular point in time. The data to calculate the ratio are found on the balance sheet
Debt-to-capital_ratio
French mutual insurance company
attained a Standard & Poor's A positive rating and was rated No. 1 for Solvency ratio amongst the top 20 European Insurance groups. In 1999, through the initiative
Covéa
Financial metric assessing cash flow relative to total debt
0.1) may raise concerns about solvency. Unlike the price-to-cash-flow ratio, which assesses market valuation, this ratio focuses solely on debt management
Cash-flow-to-debt_ratio
State-owned enterprise in Finland
seed Return on investment = 100 × operating profit/subscribed capital Solvency ratio = 100 × shareholders' equity/balance sheet total Land area 91,320 square
Metsähallitus
Swiss financial services company
Paris). The group managed CHF 184 billion worth of assets and recorded a solvency ratio of 19.7%. The Edmond de Rothschild Group provides the following services:
Edmond_de_Rothschild_Group
requirements in order to reduce the chances of breaching capital adequacy or solvency requirements. "Practice Guideline 6A: Target Capital (Life, General and
Target_surplus
Price/earnings to growth ratio, a stock price analysis tool
year) PE ratio (e.g. 100% growth rate from $1 to $2 /stock) that does not indicate any guarantee of maintaining future growth or even solvency. Price–earnings
PEG_ratio
Indian political jargon
of India can increase or decrease bank credit expansion. Ensuring the solvency of commercial banks By reducing the level of SLR, the RBI can increase
Statutory_liquidity_ratio
Japanese life insurance holding company
reserves - US$227,524 million Total capital - US$21,425 million Solvency margin ratio - 1,095.5% Policies in force - US$2,085 billion Policyholders -
Daiichi_Life
Standard for insurance companies
without any off-balance sheet positions Solvency II Capital adequacy ratio "Risk-based supervision – the Swiss Solvency Test (SST)" (PDF). FINMA. 22 January
Swiss_Solvency_Test
French business executive
euros, debt dropped to 9.6 billion from 13.1 billion euro, and the Solvency Ratio rose to 227%, up from 175%. Under his guidance, Generali renewed its
Philippe_Donnet
Irish health insurance company
expected to invest large sums of money to allow the company gain a solvency ratio in line with regulations and other insurance companies. This coincided
Vhi_Healthcare
UK pension insurer
£70.7 billion of assets under management and a group Solvency Capital Requirement coverage ratio of 261 percent. In the same update, Rothesay reported
Rothesay_(insurer)
Spanish investment bank and financial services company
reaching the coverage of non-performing risks at 54.87%. The Group's solvency ratio was 16.15% in December 2013, being 100% tier 1 capital. During 2013
Banca_March
Insurance company
a shift from investment period to profitability period, with a core solvency ratio improving to 193.02% in 2024, further strengthening financial soundness
HSBC_Life
British mutual insurance company
reserves required for it under Solvency II Regulations. This is still in place for NFU Mutual. In 2025, NFU's Mutual solvency ratio, which measures the business'
NFU_Mutual
Public pension fund in South Korea
and 5% of GDP. In May 2024, NPS announced its intention to aim for a 65% ratio of risky assets. As of 2024, out of ₩1,101 trillion the fund had invested
National_Pension_Service
Indian insurance company founded 2006
2020–21, it was ₹3,898.91 crore, a growth of 8%. The company reported a solvency ratio of 166% in FY 2021–22. The Net Promoter Score (NPS), of the company
Generali_Central_Insurance
Greek insurance company
credit rating. Over the past 43 years, it has zero overdue debts, a high solvency ratio and sufficient insurance reserves. With a sales network that counts
European_Reliance
Russian bus manufacturing company
2017. "The largest Russian manufacturers of buses and trolley buses by solvency ratio". Credinform.ru. Archived from the original on 29 September 2017. Retrieved
Volgabus
financial system assets. While foreign banks generally display good solvency ratios, small domestic banks are in a much weaker position. Their capitalization
Economy_of_Cameroon
Indian public sector insurance company
leadership position for four consecutive decades. The ratio of available solvency margin to required solvency margin standing at 2.3 times(Global). Total net
New_India_Assurance
British insurance company
Prudential Regulation Authority in March 2026 for miscalculating its solvency ratios in 2023 and 2024. The group owns a number of general insurance brands
Direct_Line_Group
Company of Indonesia
December 2022, ACA's capital will reach IDR 6.92 trillion with a Solvency Achievement Ratio of 324.42%. This value far exceeds the government's requirement
Central_Asia_Insurance
tax and other policies in the long run without threatening government solvency or defaulting on some of its liabilities or promised expenditures. There
Fiscal_sustainability
Dutch P&I marine insurer
Insurance has equity of 12.2 million euros (source: annual report 2023) The solvency ratio at the end of 2023 was 242% NNPC Marine Insurance insures approximately
Noord_Nederlandsche_P&I_Club
Financial concept
high gearing ratio can create problems for: creditors, which bear the solvency risk of the company, and revenue authorities, which are concerned about
Thin_capitalisation
multimillion-pound losses on its core underwriting business and its solvency ratio dropped from 135% (2015) to 103% in 2016. According to Banks Eldons's
Eldon_Insurance
Measure of a debtor's ability to pay their debts as/when they mature
liquidity Resources in your library Financial ratio Going concern Liquidity (disambiguation) Solvency "Liquidity - Definition, Example, Market vs Accounting
Accounting_liquidity
Northern Irish business group
the regulator said that the company had "significantly breached" its solvency ratios in recent months. Further concern arose following the disclosure that
Mannok
Joint Staff Pension Board - Chapter IV Actuarial matters" (PDF). p. 15. "Solvency of the Fund just reconfirmed by the 2021 actuarial valuation – a message
United Nations Joint Staff Pension Fund
United_Nations_Joint_Staff_Pension_Fund
Assessment of the viability, stability, and profitability of a business
given point in time. Financial analysts often compare financial ratios (of solvency, profitability, growth, etc.): Past Performance - Across historical
Financial_analysis
The solvency ratios fell below the established standards. The BIS ratio fell to 6.1%, which is far below the standard of 8% and the Tier1 ratio more
Friesland_Bank
Central Bank of India
the ratio of bank's cash reserve balances with RBI with reference to the bank's net demand and time liabilities to ensure the liquidity and solvency of
Reserve_Bank_of_India
Liabilities owed to nonresidents by residents
payments and, therefore, is an indicator of a country's vulnerability to solvency and liquidity problems. Another useful indicator is the net external debt
External_debt
Italian postal service provider
Poste Vita SDA Express Courier Capital ratio 22.1% (CET1, BancoPosta division only) 307% Insurance Group’s Solvency The Group confirmed its capital solidity
Poste_Italiane
Net worth of a farm
farm to another. The overall debt-asset ratio is a measure of the farm sector's financial condition or solvency. This article incorporates public domain
Farm_equity
the other hand, major Japanese insurance companies have rather large solvency ratios, such as Sony Assurance Inc.'s 730.8% in 2017 or Sompo Japan's 652
General Insurance Rating Organization of Japan
General_Insurance_Rating_Organization_of_Japan
American financial executive
Buffett in Goldman during the financial crisis to secure the company's solvency. Blankfein was not happy with his decision to leave. Winkelried was named
Jon_Winkelried
Motor vehicle
German automaker BMW between 1962 and 1972. These models ensured BMW's solvency after the company's financial crisis of the 1950s and again established
BMW_New_Class
about insurers' financial solvency. IRIS uses the financial statements of the insurer to calculate a series of financial ratios, which are then taken as
Insurance Regulatory Information System
Insurance_Regulatory_Information_System
Type of crude oil
(highly aromatic base stocks) and its value provides some guidance for the solvency properties of the oil. Like the results of the n-d-M method, VGC is usually
Naphthenic_oil
Topics referred to by the same term
hobby which involves electric model car racing on tracks Solvency Capital Requirement, in Solvency II Supreme Court Review, a peer-edited law review in the
SCR
Type of financial instrument
industry. It has been also emerging as an alternative way for keeping solvency in the insurance industry.[citation needed] The concept of "No Fault Default"
Contingent_convertible_bond
Multi-factor financial formula for predicting bankruptcy
model is 100% accurate, so while the O-score may forecast bankruptcy or solvency, factors both inside and outside of the formula can impact its accuracy
Ohlson_O-score
Private college in Walla Walla, Washington, US
trustee, became president of the college and brought the school back to solvency by establishing Whitman's endowment with the aid of D. K. Pearsons, a Chicago
Whitman_College
Measure of potential liquidity shortfall in a financial portfolio
stress-testing frameworks to link solvency shocks to liquidity needs. For example, the IMF uses structural models in which solvency shocks generate endogenous
Liquidity_at_risk
Predicted difficulty in funding pensions
FAIR (September 2000), A Ponzi Problem: The U.S. Dependency Ratio, Social Security Solvency, and the False Panacea of Immigration, archived from the original
Pensions_crisis
Financial situation where credit/loans become less available/obtainable
banking system; or even an increased perception of risk regarding the solvency of other banks within the banking system. Easy credit conditions (sometimes
Credit_crunch
Business tool
Industry averages (of financial ratios) are generally using as benchmarks or tools which helps business to make comparisons that helps to determine its
Industry_average
Protecting economic value by managing risk exposure
strategic objectives. Insurers manage their own risks with a focus on solvency and the ability to pay claims. Life Insurers are concerned more with longevity
Financial_risk_management
American cryptocurrency entrepreneur and criminal (born 1992)
"glowing" profile of Bankman-Fried, which it subsequently removed after the solvency crisis at FTX. In July 2023, allegations emerged that Bankman-Fried had
Sam_Bankman-Fried
Province of Canada
as a bastion of Canadian manufacturing and financial solvency, Ontario's public debt-to-GDP ratio is projected to be 38.4% in fiscal year 2023–2024. Mining
Ontario
2025 legislation in the United States
PolitiFact: How will the Republican megabill affect Social Security's future solvency?". PolitiFact. Retrieved July 4, 2025. Iacurci, Greg (May 23, 2025). "House
One_Big_Beautiful_Bill_Act
Indian insurance company
equity shares to its parent company, Reliance Capital, to support its solvency margin. In August 2023, Reliance General Insurance was awarded the contract
IndusInd_General_Insurance
Banking regulation framework
greater the amount of capital the bank needs to hold to safeguard its solvency and overall economic stability. Basel II attempted to accomplish this by
Basel_II
Global stock market crash
extended liquidity crisis in the securities industry began to threaten the solvency and viability of brokerage houses and specialists. This possibility first
Black_Monday_(1987)
Promise to assume responsibility for defaulted debt
worthless. Thus, the surety on a bond is usually an insurance company whose solvency is verified by private audit, governmental regulation, or both.[citation
Surety
Economic resources used to buy what is needed to make products or provide services
interest. The ratio between debt and equity is named leverage. It has to be optimized as a high leverage can bring a higher profit but create solvency risk. Borrowed
Financial_capital
Type of pension plan
Revenue Code and state law. Thus the funding requirements, benefits, plan solvency, and participant rights and obligations vary significantly. Private sector
Defined_benefit_pension_plan
Measure of solvency/solution
Measure of solvency/solution
Hydration_number
Total amount of money owed by the Nigerian government to its creditors
interest rates. The ratio of debt to gross domestic product (GDP) is often used as an indicator of the sustainability and solvency of the national debt
Nigeria_national_debt
Risk of disrupting business operations
management. The definition of operational risk, adopted by the European Solvency II Directive for insurers, is a variation adopted from the Basel II regulations
Operational_risk
Mass withdrawal of money from banks
expansionary fiscal policies are typically used. In crises of liquidity and solvency, central banks can provide liquidity to support illiquid banks. Depositor
Bank_run
Tendency in the insurance industry
pay attention to the position in the insurance cycle when assessing the solvency and capital adequacy of insurance companies. The insurance cycle is a phenomenon
Insurance_cycle
Any of various types of risk associated with financing
management. The definition of operational risk, adopted by the European Solvency II Directive for insurers, is a variation adopted from the Basel II regulations
Financial_risk
pursuit of profit-oriented business activities based on the principles of solvency, profitability, and liquidity. Every-day payment transactions are with
Economy_of_Serbia
British life insurance company
under-funded. A 2007 European report concluded that regulators had focused on solvency margins and failed to consider the increasing risk of accrued terminal
The Equitable Life Assurance Society
The_Equitable_Life_Assurance_Society
Management of an enterprise's holdings and liquidity to mitigate risk
shareholders. This can also be described as the need to maintain liquidity, or solvency of the company: a company needs to have the funds available that will enable
Treasury_management
strength and is widely regarded as the most reliable measure of a bank’s solvency and resilience under stress. According to the latest data from the Reserve
List_of_banks_in_New_Zealand
Theory in banking and finance
and requiring disclosure of this lack of federal insurance and financial solvency support to their customers. This was the first time such a proposal had
Too_big_to_fail
British motorcycle manufacturer
Motorcycles was in an increasingly difficult situation. In the quest for solvency, Vincent looked for ways to improve their position. The trike idea was
Vincent_Motorcycles
Financial crisis leading to economic depression in Europe and North America
went out of business, as the deteriorating financial conditions created solvency problems for life insurers. The common factor of the surviving companies
Panic_of_1873
US states defaulting on their debt
to modify its obligations, in a systematic plan that leads to longterm solvency, with the approval of a judge. In bankruptcy, state governments might seek
State defaults in the United States
State_defaults_in_the_United_States
Renegotiating a debt
increase confidence in the financial system. He believes that addressing bank solvency in this way would help address credit market liquidity issues. Economist
Debt_restructuring
capital adequacy ratio, and expanding the scope of the application of international auditing and accounting standards related to solvency, assets, profitability
Central_Bank_of_Jordan
reduced repayment capacity as measured by credit scores, debt-to-income ratios, or other criteria that may encompass borrowers with incomplete credit histories
Subprime crisis background information
Subprime_crisis_background_information
American generation born from 1997 to 2012
alleviates concerns over America's aging population which jeopardizes the solvency of various welfare programs. As of 2019, Millennials and Generation Z accounted
Generation Z in the United States
Generation_Z_in_the_United_States
US government health insurance program
total Medicare spending as a share of gross domestic product (GDP), the solvency of the Medicare HI trust fund, Medicare per-capita spending growth relative
Medicare_(United_States)
Analyst of business risk and uncertainty
accords—the Basel II accord for financial institutions (2004), and the analogous Solvency II accord for insurance companies (in force since 2016)—require institutions
Actuary
Multi-year debt crisis in multiple EU countries, 2009–2010
significant amount of sovereign debt, such that concerns regarding the solvency of banking systems or sovereigns are negatively reinforcing. The onset
Euro_area_crisis
balanced fiscal results across multiple years." In 2012, the Provincial Solvency and Federal Obligations study found that Ontario had a 42.9% probability
Ontario_government_debt
the financial regulator and the Irish government, is solvency. The question concerning solvency had arisen due to domestic problems in the Irish property
Economy of the Republic of Ireland
Economy_of_the_Republic_of_Ireland
School district in Ohio
create and enforce a district recovery plan to regain solvency. The district received its first solvency assistance loan from the state in December 2010 in
Little_Miami_Schools
Ability to manage financial crisis
measure of corporate default risk based on Merton's model. It measures both solvency risk and liquidity risk at the firm level. Unfortunately, there is not
Financial_stability
Government-backed financial services company
that govern the solvency of financial institutions. The regulations require normal financial institutions to maintain a capital/asset ratio greater than
Fannie_Mae
Regional financial crisis that struck East and Southeast Asia in 1997–1998
reasoning was that these steps would restore confidence in the nations' fiscal solvency, penalize insolvent companies, and protect currency values. Above all,
1997_Asian_financial_crisis
Discussion of proposals to change the U.S. Social Security system
the shortfall over the next 75 years. Projections of Social Security's solvency are sensitive to assumptions about rates of economic growth and demographic
Social Security debate in the United States
Social_Security_debate_in_the_United_States
affirmative team. Nearly every 1AC includes inherency, advantages, and solvency, as well as a plan text, the textual expression of the affirmative policy
Structure_of_policy_debate
Form of financial derivative
derivatives. Counterparty risk is associated with the financial stability or solvency of the counterparty to a contract. In the context of CFD contracts, if
Contract_for_difference
the most reliable measure of a bank’s solvency and resilience under stress. Rank Bank CET1 cap. (A$m) CET1 ratio 1 Commonwealth Bank of Australia 58,933
List_of_banks_in_Australia
2024 anti-tax protests in Kenya
Kenya has been listed as one of the countries with problems with financial solvency since at least 2022. The Finance Bill was supposed to allow Kenya's government
Kenya_Finance_Bill_protests
one (such as the Solvency regime), which is in line with the internationally accepted standards. Insurance industry's payout ratio stood at 63.8% during
Banking_and_insurance_in_Iran
Regulatory rating system to classify a bank's soundness
credit unions are exposed to levels of risk sufficient to jeopardize their solvency. Asset quality is high loan concentrations that present undue risk to the
CAMELS_rating_system
Spanish politician & banker (born 1949)
2012, he resigned amid growing concerns about the solvency of the bank. Although the core capital ratio was 10,4%, the Popular Party Government planned
Rodrigo_Rato
Catholic college in Rosemont, Pennsylvania, US
and Secondary Schools by personally guaranteeing the college's financial solvency. Bishop Fulton J. Sheen was likewise involved in the early life of the
Rosemont_College
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