Municipality Finance’s capital adequacy remains well above the ECB minimum requirements

Core Insights - Municipality Finance Plc (MuniFin) maintains a capital adequacy ratio significantly above the European Central Bank's (ECB) minimum requirements, with a total capital ratio and CET1 capital ratio of 89.4 percent as of June 2025 [2] - The ECB has set the capital buffer requirement (P2R) for MuniFin at 2 percent, effective from January 1, 2026, resulting in a total SREP capital requirement (TSCR) ratio of 10 percent [1][2] Group Overview - MuniFin is one of Finland's largest credit institutions, owned by Finnish municipalities, the public sector pension fund Keva, and the Republic of Finland, with a balance sheet exceeding EUR 55 billion [3] - The company focuses on lending for environmentally and socially responsible projects, including public transportation, sustainable buildings, and healthcare facilities [4] Operational Context - MuniFin operates in a global business environment while serving domestic customers, being an active issuer of bonds in international capital markets and the first Finnish issuer of green and social bonds [5]