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In forceInsurers: national solvency and technical provisions returns (national)Last checked 13 November 2026

Key ratio tables (VC)

A regulatory return listed by the Finanssivalvonta (Financial Supervisory Authority, Finland) (FIN-FSA), Finland.

A national FIN-FSA return, table 'VC' under FIN-FSA regulations and guidelines 1/2011 (Submission of machine-readable supervisory data to the FIN-FSA by an entity operating in the insurance market): key ratio tables. Source

The facts

Who files
Life insurers and non-life insurers. Source
How often
Quarterly, as at 31 March, 30 June, 30 September and 31 December. Source
Deadline
15 May, 15 August, 15 November, 15 February. Source
Format
CSV. Filed through the Reporter Portal as a CSV file built to FIN-FSA's data collection, under FIN-FSA's 'Vakra' insurance-sector data collection arrangement. Source
How it is filed
Filing routes recorded for the FIN-FSA: Reporter Portal (Raportoijan portaali) and Validation Service; MiFIR transaction reporting (SFTP); Secure email. See how firms file with the FIN-FSA.
Status
In force
Legal basis
Group
Insurers: national solvency and technical provisions returns (national)

Templates (4)

The tables and forms inside the return. Plain name first, the FIN-FSA's code in brackets.

  • Key ratios (life insurers) (VC04b)
  • Key ratios (non-life insurers) (VC04c)
  • Direct insurance volume (life insurers) (VC05b)
  • Direct insurance volume (non-life insurers) (VC05c)

Group title in the workbook: 'Tunnuslukutaulukot' (key ratio tables). Filed quarterly by life and non-life insurers; the VC-ohje completion guide (dated 31.12.2014) describes VC as 'the insurer's key ratios, collected quarterly, used in FIN-FSA's supervision and insurance-sector statistics'. Source

Validation rules

421 rules, as counted from the FIN-FSA's published material. Software can run them exactly as published. Source

How they are written: A sheet in the table workbook with one rule per row: the rule itself as a formula over table cells in the column ValidationCode (for example 'VA01a(1020,10)=SUM(VA01a(102010,10):VA01a(102030,10))'), then the table code, start and end date, frequency, system code, severity and interval..

The same workbook is the table template for the return.

The rules, on finanssivalvonta.fi

How they were counted

421 rows on the sheet 'FIN-FSA Validation rules' in the table workbook vc_lomakemalli_fi.xlsx, one per ValidationCode, none with an end date before 13 November 2026. Every rule has the severity 'Warning'.

Counts are in the FIN-FSA's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data from this return published by FIN-FSA was found on the pages checked. Source

Official documents (6)

The FIN-FSA's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see FIN-FSA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Finanssivalvonta (Financial Supervisory Authority, FIN-FSA), https://www.finanssivalvonta.fi

Last checked 13 November 2026.