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

Technical provisions, insurers (VE)

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

A national FIN-FSA return, table 'VE' 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): technical provisions (insurers). Source

The facts

Who files
Life insurers and non-life insurers. Source
How often
Annually, as at 31 December. Source
Deadline
31 March. 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 (5)

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

  • Statement of the calculation of life insurers' technical provisions (VE011)
  • Summary of non-life insurers' accounting-based premium provision calculation (VE02)
  • Summary of non-life insurers' accounting-based claims provision calculation (VE03b)
  • Data on non-life insurers' accounting-based technical provisions (VE04)
  • Summary of non-life insurers' accounting-based equalisation provision calculation (VE05)

Group title in the workbook: 'Vastuuvelka' (technical provisions). VE011 is for life insurers; VE02-VE05 are for non-life insurers. Source

Validation rules

636 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

636 rows on the sheet 'FIN-FSA Validation rules' in the table workbook ve_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

Published only added up across firms. FIN-FSA's life/non-life insurance statistics page carries VE's subject (technical provisions) in its provision-for-outstanding-claims and provision-for-unearned-premiums workbooks; the files read show Finland-wide totals, not figures by named insurer. Source

Where it is published (Excel)

  • Life and non-life insurance statistics, including foreign (EEA) insurers' operations in Finland

    Firm by firm · Excel

    Mixed, confirmed by opening files: the non-life 'result by insurance classes' workbook (2025_vm01c_tilasto_420.xlsx, the VM01c table) is a pivot table with a company selector defaulted to '(All)', so it carries firm-level data firm by firm even though the default view shows the total; it is 9.1 MB. The quarterly 'premium written and claims paid' workbooks and the EEA-insurers'-operations workbooks show Finland-wide or by-country totals only, with no firm named, so those parts are aggregate. Kept as 'firm-level' overall because the VM01c pivot is the one that matches a return in this file. Coverage is current (2026 Q2 for premium/claims, 2025 for EEA operations), not 'up to 2022' as an earlier version of this entry said. 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.