In compliance with the legislation in force, the amount of available capital for meeting capital adequacy requirements is measured at the level of individual insurance companies as well as at the level of the Triglav Group. In parallel, capital adequacy is monitored by applying Standard & Poor's model and in accordance with Directive 2009/138/EC of the European Parliament and of the Council (Solvency II). Decisions concerning capital management are supported by the results of all capital models. The fact that legal requirements are binding is also accounted for, whilst meeting the capital adequacy requirements of credit rating agencies represents a major strategic objective of the Triglav Group. As a rule, credit rating agencies set capital adequacy requirements above those stipulated by local legislation.