S.25.01 SCR Standard Formula QRT

Calculate the Solvency Capital Requirement instantly.

QRT Display Unit

S.Twenty Five.One.One.One RTen CThirty - Market risk (Net SCR)

€

S.Twenty Five.One.One.One RTen CForty - Market risk (Gross SCR)

€

S.Twenty Five.One.One.One RTen CFifty - Market risk (Allocation from adjustments due to RFF and Matching adjustments portfolios)

€

S.Twenty Five.One.One.One RTwenty CThirty - Counterparty default risk (Net SCR)

€

S.Twenty Five.One.One.One RTwenty CForty - Counterparty default risk (Gross SCR)

€

S.Twenty Five.One.One.One RTwenty CFifty - Counterparty default risk (Allocation from adjustments due to RFF and Matching adjustments portfolios)

€

S.Twenty Five.One.One.One RThirty CThirty - Life underwriting risk (Net SCR)

€

S.Twenty Five.One.One.One RThirty CForty - Life underwriting risk (Gross SCR)

€

S.Twenty Five.One.One.One RThirty CFifty - Life underwriting risk (Allocation from adjustments due to RFF and Matching adjustments portfolios)

€

S.Twenty Five.One.One.One RForty CThirty - Health underwriting risk (Net SCR)

€

S.Twenty Five.One.One.One RForty CForty - Health underwriting risk (Gross SCR)

€

S.Twenty Five.One.One.One RForty CFifty - Health underwriting risk (Allocation from adjustments due to RFF and Matching adjustments portfolios)

€

S.Twenty Five.One.One.One RFifty CThirty - Non-life underwriting risk (Net SCR)

€

S.Twenty Five.One.One.One RFifty CForty - Non-life underwriting risk (Gross SCR)

€

S.Twenty Five.One.One.One RFifty CFifty - Non-life underwriting risk (Allocation from adjustments due to RFF and Matching adjustments portfolios)

€

S.Twenty Five.One.One.One RSeventy CThirty - Intangible asset risk (Net SCR)

€

S.Twenty Five.One.One.One RSeventy CForty - Intangible asset risk (Gross SCR)

€

Gross BSCR

€0

SCR before add-on

€0

SCR

€0

S.25.01.01.01 - Basic Solvency Capital Requirement

Row	Description	Net solvency capital requirement	Gross solvency capital requirement	Allocation from adjustments due to RFF and Matching adjustments portfolios
R0010	Market risk	€0Input	€0Input	€0Input
R0020	Counterparty default risk	€0Input	€0Input	€0Input
R0030	Life underwriting risk	€0Input	€0Input	€0Input
R0040	Health underwriting risk	€0Input	€0Input	€0Input
R0050	Non-life underwriting risk	€0Input	€0Input	€0Input
R0060	Diversification	€0Derived	€0Derived	N/AConstant
R0070	Intangible asset risk	€0Input	€0Input	N/AConstant
R0100	Basic Solvency Capital Requirement	€0Derived	€0Derived	N/AConstant

S.25.01.01.02 - Calculation of Solvency Capital Requirement

Row	Description	Value
R0120	Adjustment due to RFF/MAP nSCR aggregation	€0Input
R0130	Operational risk	0.0%Input
R0140	Loss-absorbing capacity of technical provisions	€0Input
R0150	Loss-absorbing capacity of deferred taxes	€0Derived
R0160	Capital requirement for business operated in accordance with Art. 4 of Directive 2003/41/EC	€0Input
R0200	Solvency Capital Requirement excluding capital add-on	€0Derived
R0210	Capital add-ons already set	€0Derived
R0211	of which, capital add-ons already set - Article 37 (1) Type aCapital add-ons already set	€0Input
R0212	of which, capital add-ons already set - Article 37 (1) Type bCapital add-ons already set	€0Input
R0213	of which, capital add-ons already set - Article 37 (1) Type cCapital add-ons already set	€0Input
R0214	of which, capital add-ons already set - Article 37 (1) Type dCapital add-ons already set	€0Input
R0220	Solvency capital requirement	€0Derived
R0400	Capital requirement for duration-based equity risk sub-moduleOther information on SCR	0.0%Input
R0410	Total amount of Notional Solvency Capital Requirements for remaining partOther information on SCR	€0Input
R0420	Total amount of Notional Solvency Capital Requirements for ring-fenced fundsOther information on SCR	€0Input
R0430	Total amount of Notional Solvency Capital Requirements for matching adjustment portfoliosOther information on SCR	€0Input
R0440	Diversification effects due to RFF nSCR aggregation for article 304Other information on SCR	€0Input
R0450	Method used to calculate the adjustment due to RFF/MAP nSCR aggregationOther information on SCR	0Input
R0460	Net future discretionary benefitsOther information on SCR	€0Input

S.25.01.01.03 - Approach to tax rate

Row	Description	Yes/No
R0590	Approach based on average tax rate	NoInput

S.25.01.01.04 - Calculation of loss absorbing capacity of deferred taxes

Row	Description	Before the shock	After the shock
R0600	DTA	€0Derived	€0Derived
R0610	DTA carry forwardDTA	€0Input	€0Input
R0620	DTA due to deductible temporary differencesDTA	€0Input	€0Input
R0630	DTL	€0Input	€0Input

S.25.01.01.05 - Calculation of loss absorbing capacity of deferred taxes

Row	Description	LAC DT
R0640	LAC DT	€0Derived
R0650	LAC DT justified by reversion of deferred tax liabilitiesLAC DT	€0Input
R0660	LAC DT justified by reference to probable future taxable economic profitLAC DT	€0Input
R0670	LAC DT justified by carry back, current yearLAC DT	€0Input
R0680	LAC DT justified by carry back, future yearsLAC DT	€0Input
R0690	Maximum LAC DTLAC DT	€0Input

1Step 1

p3_s_25_01_01_01_r0100_c0030_before_intangible

\textit{p3\_s\_25\_01\_01\_01\_r0100\_c0030\_before\_intangible} = \sqrt{\sum_{i,j} Corr_{i,j} \times SCR_i \times SCR_j} + SCR_{intangibles}

2Step 2

Diversification C0030

\textit{Diversification C0030} = \max(0, \textit{S.Twenty Five.One.One.One RTen CThirty - Market risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RTwenty CThirty - Counterparty default risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RThirty CThirty - Life underwriting risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RForty CThirty - Health underwriting risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RFifty CThirty - Non-life underwriting risk (Net SCR)} - \textit{p3\_s\_25\_01\_01\_01\_r0100\_c0030\_before\_intangible})

\textit{Diversification C0030} = \max(0, \textit{S.Twenty Five.One.One.One RTen CThirty - Market risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RTwenty CThirty - Counterparty default risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RThirty CThirty - Life underwriting risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RForty CThirty - Health underwriting risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RFifty CThirty - Non-life underwriting risk (Net SCR)} - \textit{p3\_s\_25\_01\_01\_01\_r0100\_c0030\_before\_intangible})

\begin{aligned}\textit{Diversification C0030} &= \max(0, \textit{S.Twenty Five.One.One.One RTen CThirty - Market risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RTwenty CThirty - Counterparty default risk (Net SCR)} \\ &\quad + \textit{S.Twenty Five.One.One.One RThirty CThirty - Life underwriting risk (Net SCR)} + \textit{S.Twenty Five.One.One.One RForty CThirty - Health underwriting risk (Net SCR)} \\ &\quad + \textit{S.Twenty Five.One.One.One RFifty CThirty - Non-life underwriting risk (Net SCR)} - \textit{p3\_s\_25\_01\_01\_01\_r0100\_c0030\_before\_intangible})\end{aligned}

3Step 3

BSCR C0030

\textit{BSCR C0030} = \sqrt{\sum_{i,j} Corr_{i,j} \times SCR_i \times SCR_j} + SCR_{intangibles}

4Step 4

p3_s_25_01_01_01_r0100_c0040_before_intangible

\textit{p3\_s\_25\_01\_01\_01\_r0100\_c0040\_before\_intangible} = \sqrt{\sum_{i,j} Corr_{i,j} \times SCR_i \times SCR_j} + SCR_{intangibles}

5Step 5

Diversification C0040

\textit{Diversification C0040} = \max(0, \textit{S.Twenty Five.One.One.One RTen CForty - Market risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RTwenty CForty - Counterparty default risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RThirty CForty - Life underwriting risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RForty CForty - Health underwriting risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RFifty CForty - Non-life underwriting risk (Gross SCR)} - \textit{p3\_s\_25\_01\_01\_01\_r0100\_c0040\_before\_intangible})

\textit{Diversification C0040} = \max(0, \textit{S.Twenty Five.One.One.One RTen CForty - Market risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RTwenty CForty - Counterparty default risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RThirty CForty - Life underwriting risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RForty CForty - Health underwriting risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RFifty CForty - Non-life underwriting risk (Gross SCR)} - \textit{p3\_s\_25\_01\_01\_01\_r0100\_c0040\_before\_intangible})

\begin{aligned}\textit{Diversification C0040} &= \max(0, \textit{S.Twenty Five.One.One.One RTen CForty - Market risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RTwenty CForty - Counterparty default risk (Gross SCR)} \\ &\quad + \textit{S.Twenty Five.One.One.One RThirty CForty - Life underwriting risk (Gross SCR)} + \textit{S.Twenty Five.One.One.One RForty CForty - Health underwriting risk (Gross SCR)} \\ &\quad + \textit{S.Twenty Five.One.One.One RFifty CForty - Non-life underwriting risk (Gross SCR)} - \textit{p3\_s\_25\_01\_01\_01\_r0100\_c0040\_before\_intangible})\end{aligned}

6Step 6

BSCR C0040

\textit{BSCR C0040} = \sqrt{\sum_{i,j} Corr_{i,j} \times SCR_i \times SCR_j} + SCR_{intangibles}

7Step 7

LAC DT

\textit{LAC DT} = \textit{S.Twenty Five.One.One.Five RSix Hundred Fifty COne Hundred Thirty - LAC DT justified by reversion of deferred tax liabilities (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Sixty COne Hundred Thirty - LAC DT justified by reference to probable future taxable economic profit (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Seventy COne Hundred Thirty - LAC DT justified by carry back, current year (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Eighty COne Hundred Thirty - LAC DT justified by carry back, future years (LAC DT)}

\textit{LAC DT} = \textit{S.Twenty Five.One.One.Five RSix Hundred Fifty COne Hundred Thirty - LAC DT justified by reversion of deferred tax liabilities (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Sixty COne Hundred Thirty - LAC DT justified by reference to probable future taxable economic profit (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Seventy COne Hundred Thirty - LAC DT justified by carry back, current year (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Eighty COne Hundred Thirty - LAC DT justified by carry back, future years (LAC DT)}

\begin{aligned}\textit{LAC DT} &= \textit{S.Twenty Five.One.One.Five RSix Hundred Fifty COne Hundred Thirty - LAC DT justified by reversion of deferred tax liabilities (LAC DT)} \\ &\quad + \textit{S.Twenty Five.One.One.Five RSix Hundred Sixty COne Hundred Thirty - LAC DT justified by reference to probable future taxable economic profit (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Seventy COne Hundred Thirty - LAC DT justified by carry back, current year (LAC DT)} \\ &\quad + \textit{S.Twenty Five.One.One.Five RSix Hundred Eighty COne Hundred Thirty - LAC DT justified by carry back, future years (LAC DT)}\end{aligned}

8Step 8

LAC DT

\textit{LAC DT} = \textit{S.Twenty Five.One.One.Five RSix Hundred Fifty COne Hundred Thirty - LAC DT justified by reversion of deferred tax liabilities (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Sixty COne Hundred Thirty - LAC DT justified by reference to probable future taxable economic profit (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Seventy COne Hundred Thirty - LAC DT justified by carry back, current year (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Eighty COne Hundred Thirty - LAC DT justified by carry back, future years (LAC DT)}

\textit{LAC DT} = \textit{S.Twenty Five.One.One.Five RSix Hundred Fifty COne Hundred Thirty - LAC DT justified by reversion of deferred tax liabilities (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Sixty COne Hundred Thirty - LAC DT justified by reference to probable future taxable economic profit (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Seventy COne Hundred Thirty - LAC DT justified by carry back, current year (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Eighty COne Hundred Thirty - LAC DT justified by carry back, future years (LAC DT)}

\begin{aligned}\textit{LAC DT} &= \textit{S.Twenty Five.One.One.Five RSix Hundred Fifty COne Hundred Thirty - LAC DT justified by reversion of deferred tax liabilities (LAC DT)} \\ &\quad + \textit{S.Twenty Five.One.One.Five RSix Hundred Sixty COne Hundred Thirty - LAC DT justified by reference to probable future taxable economic profit (LAC DT)} + \textit{S.Twenty Five.One.One.Five RSix Hundred Seventy COne Hundred Thirty - LAC DT justified by carry back, current year (LAC DT)} \\ &\quad + \textit{S.Twenty Five.One.One.Five RSix Hundred Eighty COne Hundred Thirty - LAC DT justified by carry back, future years (LAC DT)}\end{aligned}

9Step 9

DTA C0110

\textit{DTA C0110} = \textit{S.Twenty Five.One.One.Four RSix Hundred Ten COne Hundred Ten - DTA carry forward (Before the shock)} + \textit{S.Twenty Five.One.One.Four RSix Hundred Twenty COne Hundred Ten - DTA due to deductible temporary differences (Before the shock)}

\textit{DTA C0110} = \textit{S.Twenty Five.One.One.Four RSix Hundred Ten COne Hundred Ten - DTA carry forward (Before the shock)} + \textit{S.Twenty Five.One.One.Four RSix Hundred Twenty COne Hundred Ten - DTA due to deductible temporary differences (Before the shock)}

\begin{aligned}\textit{DTA C0110} &= \textit{S.Twenty Five.One.One.Four RSix Hundred Ten COne Hundred Ten - DTA carry forward (Before the shock)} \\ &\quad + \textit{S.Twenty Five.One.One.Four RSix Hundred Twenty COne Hundred Ten - DTA due to deductible temporary differences (Before the shock)}\end{aligned}

10Step 10

DTA C0120

\textit{DTA C0120} = \textit{S.Twenty Five.One.One.Four RSix Hundred Ten COne Hundred Twenty - DTA carry forward (After the shock)} + \textit{S.Twenty Five.One.One.Four RSix Hundred Twenty COne Hundred Twenty - DTA due to deductible temporary differences (After the shock)}

\textit{DTA C0120} = \textit{S.Twenty Five.One.One.Four RSix Hundred Ten COne Hundred Twenty - DTA carry forward (After the shock)} + \textit{S.Twenty Five.One.One.Four RSix Hundred Twenty COne Hundred Twenty - DTA due to deductible temporary differences (After the shock)}

\begin{aligned}\textit{DTA C0120} &= \textit{S.Twenty Five.One.One.Four RSix Hundred Ten COne Hundred Twenty - DTA carry forward (After the shock)} \\ &\quad + \textit{S.Twenty Five.One.One.Four RSix Hundred Twenty COne Hundred Twenty - DTA due to deductible temporary differences (After the shock)}\end{aligned}

11Step 11

SCR excluding capital add-on

\textit{SCR excluding capital add-on} = \max(0, \textit{BSCR C0040} + \textit{S.Twenty Five.One.One.Two ROne Hundred Twenty COne Hundred - Adjustment due to RFF or MAP nSCR aggregation (Value)} + \textit{S.Twenty Five.One.One.Two ROne Hundred Thirty COne Hundred - Operational risk (Value)} + \textit{S.Twenty Five.One.One.Two ROne Hundred Sixty COne Hundred - Capital requirement for business operated in accordance with Regulatory Reference of Directive Two Thousand Three or Forty One or EC (Value)} + \left(-\textit{S.Twenty Five.One.One.Two ROne Hundred Forty COne Hundred - LAC TP (Value)}\right) + \left(-\textit{LAC DT}\right))

\textit{SCR excluding capital add-on} = \max(0, \textit{BSCR C0040} + \textit{S.Twenty Five.One.One.Two ROne Hundred Twenty COne Hundred - Adjustment due to RFF or MAP nSCR aggregation (Value)} + \textit{S.Twenty Five.One.One.Two ROne Hundred Thirty COne Hundred - Operational risk (Value)} + \textit{S.Twenty Five.One.One.Two ROne Hundred Sixty COne Hundred - Capital requirement for business operated in accordance with Regulatory Reference of Directive Two Thousand Three or Forty One or EC (Value)} + \left(-\textit{S.Twenty Five.One.One.Two ROne Hundred Forty COne Hundred - LAC TP (Value)}\right) + \left(-\textit{LAC DT}\right))

12Step 12

Capital add-ons already set

\textit{Capital add-ons already set} = \textit{S.Twenty Five.One.One.Two RTwo Hundred Eleven COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type a (Value)} + \textit{S.Twenty Five.One.One.Two RTwo Hundred Twelve COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type b (Value)} + \textit{S.Twenty Five.One.One.Two RTwo Hundred Thirteen COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type c (Value)} + \textit{S.Twenty Five.One.One.Two RTwo Hundred Fourteen COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type d (Value)}

\textit{Capital add-ons already set} = \textit{S.Twenty Five.One.One.Two RTwo Hundred Eleven COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type a (Value)} + \textit{S.Twenty Five.One.One.Two RTwo Hundred Twelve COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type b (Value)} + \textit{S.Twenty Five.One.One.Two RTwo Hundred Thirteen COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type c (Value)} + \textit{S.Twenty Five.One.One.Two RTwo Hundred Fourteen COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type d (Value)}

\begin{aligned}\textit{Capital add-ons already set} &= \textit{S.Twenty Five.One.One.Two RTwo Hundred Eleven COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type a (Value)} \\ &\quad + \textit{S.Twenty Five.One.One.Two RTwo Hundred Twelve COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type b (Value)} + \textit{S.Twenty Five.One.One.Two RTwo Hundred Thirteen COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type c (Value)} \\ &\quad + \textit{S.Twenty Five.One.One.Two RTwo Hundred Fourteen COne Hundred - of which, capital add-ons already set - Regulatory Thirty Seven (One) Type d (Value)}\end{aligned}

13Step 13

SCR

\textit{SCR} = \textit{SCR excluding capital add-on} + \textit{Capital add-ons already set}

Understand the S.25.01 SCR Standard Formula QRT

Overview

This calculator prepares the SCR standard formula QRT view.^[1] It supports Article 35 supervisory information evidence for standard-formula SCR components and final SCR reporting.^[2]

Input Terms

BSCR: Reported Basic Solvency Capital Requirement amount for the standard formula view.^[2]^[1]
Operational Risk: Reported operational risk amount for the standard formula view.^[2]^[1]
Loss-Absorbing Adjustments: Reported adjustment amount for technical provisions and deferred taxes where applicable.^[2]^[1]
Final SCR: Reported Solvency Capital Requirement after standard-formula aggregation and adjustments.^[2]^[1]

Technical Rationale

The S.25.01.01 template presents the standard-formula SCR build from component capital requirements to final SCR. The review focuses on component consistency, adjustment evidence, and reconciliation to own-funds coverage.

Important Notes

Scope: SCR values remain reporting-preparation evidence and require standard-formula calculation support before supervisory submission.^[2]
Reporting: The template reference is Commission Implementing Regulation (EU) 2023/894 S.25.01.01.^[1]

Sources

Default values are illustrative sample inputs for navigation, training, and QA. Replace them with controlled data before using the result in reporting, disclosure, or filing workflows.