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Demands for collateral – protection against Finnish losses if a bailout failed – were an extra hurdle during the talks over Greece's second aid deal, although Moody's applauded the policy.
The company ran headlong into the crisis when customer demands for collateral climbed from $5 million in late June to $438 million in mid-August.
The bank's demands for collateral on the complex credit-default swap deals it struck with the insurer in 2008 helped weaken A.I.G.'s financial position.
The report identifies various factors that contributed to the 158-year-old firm's failure, including demands for collateral by rival banks such as J.P. Morgan Chase.
Mr Katainen's demands for collateral stem from a coalition agreement forged after the election in April 2011, which saw the eruption of the anti-bail-out True Finns, now the biggest opposition party.
Costs to protect even the safest bonds are close to a record, and investment funds like Carlyle Capital are finding it increasingly difficult to meet rising demands for collateral as the value of their portfolios declines along with the financial markets.
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Increased demand for collateral to secure loans could even push up its price.
One obstacle to ratification of the expanded bailout fund has been Finland's demand for collateral.
The Grameen Bank pioneered the idea of microcredit, small loans given to the poor without a demand for collateral.
Finland is also close to resolving a dispute about its demand for collateral in return for granting more aid to Greece.
A significant hurdle was overcome when Finland passed the bailout fund measure on Wednesday despite domestic objections and an unresolved dispute over its demand for collateral from Greece.
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