Supervisory assessment of investors of banks: criteria and key elements of the process

Banks play a special role in the economy: they enable the accumulation of savings and access to finance. For this role to be performed effectively, the security of deposits collected by banks must be ensured.

One of the mechanisms intended to ensure their security is the requirements that need to be fulfilled to become a significant investor  of a bank (that is one that exercises influence  over the bank’s activity). The requirements need to be fulfilled at the moment of establishment of a bank, acquisition of a qualifying holding 1 in a bank and throughout the entire period of the bank’s later operations.