{"id":36258,"date":"2010-01-22T00:00:00","date_gmt":"2010-01-21T23:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/aeb-informa\/capital-regulation-of-credit-institutions\/"},"modified":"2026-04-09T09:50:51","modified_gmt":"2026-04-09T07:50:51","slug":"capital-regulation-of-credit-institutions","status":"publish","type":"blog-aeb","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/capital-regulation-of-credit-institutions\/","title":{"rendered":"Capital regulation of credit institutions"},"content":{"rendered":"<p>However, this is even more critical in the case of financial institutions due to the fact that they take deposits from the public, their ability to create money through the granting of credit, and because they manage payment systems. For this reason, authorities have always sought to avoid situations where a bank is unable to meet its commitments due to insufficient equity to absorb potential losses. It is true that, as has been proven on numerous occasions, insolvency or technical bankruptcy was not the immediate cause of the collapse of institutions. But, when attempting to objectively assess the health of any of them, it is logical that regulators would focus on the level of available equity, as it serves as a defensive barrier for the institution&#8217;s creditors. Furthermore, they have done so by resorting to basically similar mechanisms, specifically some type of minimum ratio between equity and acquired assets.    <\/p>\n<h6><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2017\/12\/08-201100589.pdf\">Read the article by Juan Basurto, advisor to AEB, published in the Financial Studies Foundation Observatory.<\/a><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>The provision of capital\u2014or, more generally, equity\u2014is a parameter of singular importance in assessing the balance sheet strength of any company and its resilience in facing adverse circumstances.<\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","etiquetas":[372,366,322,339],"categorias-blog":[780,781],"class_list":["post-36258","blog-aeb","type-blog-aeb","status-publish","hentry","etiquetas-bancos","etiquetas-depositos","etiquetas-regulacion","etiquetas-sistemas-de-pago","categorias-blog-articles","categorias-blog-newsarticles"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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