EBA欧洲银行-ES_549300TJUHHEE8YXKI59_TR_2016_11页_718kb

报告摘要

Code	Description	31/12/2015	30/06/2016	Regulation
A.1	CET1 Capital (net of deductions and after transitional adjustments)	12,123	11,434	Article 50 of CRR
A.1.1	Capital instruments eligible as CET1 Capital	8,980	8,980	Articles 26(1) (a) and (b), 27 to 29, 36(1) (f), 42 of CRR
A.1.2	Retained earnings	1,199	0	Articles 26(1) (c), 26(2), 36(1) (a) and (f) of CRR
A.1.3	Accumulated other comprehensive income	978	814	Articles 4(100), 26(1) (d), 36(1) (f) of CRR
A.1.4	Other Reserves	-1,424	-289	Articles 4(117), 26(1) (e) of CRR
A.1.6	Minority interest given recognition in CET1 capital	3,383	3,245	Article 84 of CRR
A.1.7	Adjustments to CET1 due to prudential filters	66	-69	Articles 32 to 35, 36(1) (f) of CRR
A.1.21	Transitional adjustments	846	675	CA1 (1.1.1.6 + 1.1.1.8 + 1.1.1.26)

As of 31/12/2015: 11,434 mln EUR
As of 30/06/2016: 10,872 mln EUR
CET1 Capital Ratio (Fully loaded): 13.74% (31/12/2015) → 13.68% (30/06/2016)

Type	As of 31/12/2015 (mIn EUR)	As of 30/06/2016 (mIn EUR)
Credit Risk	74,443	70,731
Securitisation and Re-securitisations (Banking Book)	1,181	1,075
Contributions to CCP Default Fund	0	0
Other Credit Risk	73,262	69,655
Market Risk (Position, FX, Commodities)	743	728
Total Risk Exposure Amount	83,188	79,466

Item	As of 31/12/2015 (mln EUR)	As of 30/06/2016 (mln EUR)
Interest Income	3,851	1,460
Of which: Debt Securities Income	1,858	637
Of which: Loans and Advances Income	2,419	998
Interest Expenses	1,037	306
Of which: Deposits Expenses	1,021	322
Of which: Debt Securities Issued Expenses	972	418
Dividend Income	5	4
Net Fee and Commission Income	860	390
Gains or Losses on Derecognition	1,926	313
Gains or Losses on Trading Financial Assets	-36	5
Gains or Losses on FVTPL Financial Assets	0	0
Gains or Losses from Hedge Accounting	-79	-38
Exchange Differences	32	15
Net Other Operating Income/(Expenses)	-235	-5
Total Operating Income, Net	5,286	1,839
Profit or Loss Before Tax from Continuing Operations	2,318	441
Profit or Loss After Tax from Continuing Operations	1,594	210
Profit or Loss for the Year	1,594	210

Type	As of 31/12/2015	As of 30/06/2016
Central Governments or Central Banks	40,278	39,555
Regional Governments or Local Authorities	4,591	4,466
Public Sector Entities	5,281	5,171
Multilateral Development Banks	34	34
Institutions	1,412	1,593
Corporates	756	55,715
Securitisation	902	1,107
Other Exposures	8,525	44,859
Standardised Total	86,302	46,762

Type	As of 31/12/2015	As of 30/06/2016
Central Banks and Central Governments	1,656	0
Institutions	28,858	155
Corporates	50,669	4,923
Retail	56,222	55,715
IRB Total	48,094	46,762

Type	As of 31/12/2015 (mln EUR)	As of 30/06/2016 (mln EUR)
Financial Assets: Carrying Amount	42,644.7	42,185.0
Held for Trading	5,820.4	5,811.5
Designated at Fair Value through Profit or Loss	50.4	99.1
Available-for-sale	0.0	0.0
Loans and Receivables	36,773.9	36,274.4
Held-to-maturity investments	5,820.4	5,811.5

Type	As of 31/12/2015 (mln EUR)	As of 30/06/2016 (mln EUR)
Debt Securities (including at amortised cost and fair value)	64,319	62,187
Central Banks	0	0
General Governments	7,168	6,751
Total Risk Exposure Amount	74,443	70,731

The bank experienced a decline in both own funds and risk exposure amounts from the end of 2015 to the end of 2016.
CET1 capital decreased from 12,123 mln EUR to 11,434 mln EUR, leading to a reduction in capital ratios.
The total risk exposure amount dropped from 83,188 mln EUR to 79,466 mln EUR, indicating a decrease in overall risk exposure.
The P&L showed a significant drop in net operating income, with a corresponding decline in profit after tax.
Sovereign exposure remained relatively stable, with financial assets reported in various accounting portfolios.

展开完整摘要