Kapital se definira kao sjedinjenje ljudskih i drugih materijalnih i nematerijalnih sila jednakih troškovima proizvodnih ulaganja. Glavna funkcija kapitala je pokriće rizika bankovnog poslovanja i negativnih učinaka sistemskih poremećaja. Kapital banke jamči deponentima sigurnost uloga te dugoročnu stabilnost sustava. Minimalna regulatorna stopa utvrđena uredbom o kapitalnim zahtjevima (CRR) iznosi 4,5% redovnog osnovnog kapitala. Banke su osim minimalne stope dužne održavati zaštitni kapital i protuciklički kapital kako bi tijekom uspješnog razdoblja akumulirale dovoljno osnovnog kapitala i pokrile gubitke u slučaju krize. Europske banke nastavile su graditi solidnu kapitalnu poziciju i jačati svoje bilance. Napori na dokapitalizaciji koje su poduzele europske banke nakon financijske krize 2008., učinile su europski bankarski sektor otpornijim i snažnijim. U 2017., u RH zabilježeno je povećanje stope ukupnog kapitala banaka na dosad najveću vrijednost od 23.8%. Regulatorni kapital banaka ojačao je i porastao u 2017. za 2.0% pod utjecajem zadržavanja dobiti iz prethodne godine. Osnovni kapital povećao se za 3.3%, a dopunski kapital smanjio se za 13.8%. Stopa redovnog osnovnog kapitala, osnovnog i ukupnog kapitala pokazuju da je kapitaliziranost banaka u RH daleko iznad prosjeka EU. Testiranje otpornosti na stres na razini RH dovode do rezultata koji potvrđuju otpornost sustava na moguće gubitke do kojih bi došlo u slučaju zamišljene globalne krize čak i u uvjetima postojećih strukturnih ranjivosti gospodarstva.Capital is defined as the union of human and other material and immaterial forces equal to the cost of productive investment. The main function of capital is to cover the risks of banking and the negative effects of systemic disorders. Bank's capital guarantees depositors security of stake and long-term stability of the system. The minimum regulatory rate established by the CRR is 4.5% of ordinary share capital. In addition to the minimum rate, banks are required to maintain protective capital and countercyclical capital in order to accumulate sufficient share capital during the successful period and cover losses in the event of a crisis. European banks have continued to build a solid capital position and strengthen their balance sheets. The recapitalization efforts undertaken by European banks following the 2008 financial crisis have made the European banking sector more resilient and stronger. In 2017, the Republic of Croatia recorded an increase in the total capital rate of banks to the highest value so far of 23.8%. The regulatory capital of banks strengthened and increased in 2017 by 2.0%, driven by the retention of profit from the previous year. The share capital increased by 3.3% and the supplementary capital decreased by 13.8%. The rates of ordinary share capital, core and total capital show that the capitalization of banks in the Republic of Croatia is far above the EU average. Stress testing at the RH level leads to results that confirm the resilience of the system to the potential losses that would occur in the event of an imagined global crisis, even in the context of the existing structural vulnerabilities of the economy
