Neto-omavahendid saadakse, arvates vastavalt Eesti Panga poolt kehtestatud korrale bruto-omavahenditest maha:
1) osalused teistes krediidi- ja finantseerimisasutustes;
2) allutatud nõuded ja muud nimetatud finantsinstrumentidega sarnased kapitali iseloomuga nõuded krediidi- ja finantseerimisasutustele.
... holdings in other credit and financial institutions of up to 10 % of their capital, the subordinated claims and the instruments referred to in Article 3 which a credit institution holds in respect of credit and financial institutions other than those referred to in point 12 in respect of the amount of the total of such holdings, subordinated claims and instruments which exceed 10 % of that credit institution's own fund.
