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In forceOccupational pension undertakings: national solvency returns (national)Last checked 13 November 2026

Calculation of the solvency margin and diversification of investments (VS)

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

A national FIN-FSA return, table 'VS' 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): calculation of the solvency margin and diversification of investments. Source

The facts

Who files
Benefit-based occupational pension providers: employee pension insurance companies, the Seafarers' Pension Fund, and the benefit-based ('B') pension funds and pension foundations, and the farmers' pension institution. 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
Occupational pension undertakings: national solvency returns (national)

Templates (14)

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

  • Equity risk class (VS01)
  • Interest rate risk class (VS02)
  • Credit spread risk class (VS03)
  • Property risk class (VS04)
  • Currency risk class (VS05)
  • Commodity risk class (VS06)
  • Return-requirement and insurance risk class, and other material investment risks (VS07A)
  • Largest underlying exposures in the 'other material investment risks' class (VS07B)
  • Indirect investments classified by investment style, and residual risk (VS08)
  • Total data for all risk classes (VS09)
  • Breach of the diversification limits under section 8 (VS10)
  • Investments in a single property under section 5 (VS11)
  • Investments in a single entity under section 6 (VS12)
  • Collateral for debt instruments under section 7 (VS13)

Group title in the workbook: 'Eläkelaitoksen vakavaraisuusrajan laskeminen ja sijoitusten hajauttaminen' (calculation of the solvency margin and diversification of investments). Filed by benefit-based occupational pension providers. Source

Validation rules

28 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

28 rows on the sheet 'FIN-FSA Validation rules' in the table workbook vs_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.