EBA欧洲银行-BE_5493008QOCP58OLEN998_TR_2018_22页_2mb
报告摘要
2018 EU-wide Transparency Exercise Summary - Investar
Core Information
- Bank Name: Investar
- LEI Code: 5493008QOCP58OLEN998
- Country Code: BE (Belgium)
Own Funds (Transitional Period)
| Item |
Description |
As of 31/12/2017 (EUR) |
As of 30/06/2018 (EUR) |
COREP Code |
Regulation |
| A |
Own Funds |
2,299 |
2,233 |
C:0.00 (010;010) |
Articles 4(118) and 72 of CRR |
| A.1 |
CET1 Capital |
2,033 |
2,017 |
C:0.00 (020;010) |
Article 50 of CRR |
| A.1.1 |
CET1 Eligible Capital |
98 |
98 |
C:0.00 (030;010) |
Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR |
| A.1.2 |
Retained Earnings |
1,786 |
1,810 |
C:0.00 (130;010) |
Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR |
| A.1.3 |
Accumulated Other Comprehensive Income |
64 |
22 |
C:0.00 (180;010) |
Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR |
| A.1.6 |
Minority Interest in CET1 |
131 |
141 |
C:0.00 (230;010) |
Article 84 of CRR |
| A.1.7 |
CET1 Adjustments due to Prudential Fibers |
-3 |
-4 |
C:0.00 (255;010) |
Articles 32 to 35 of and 36 (1) point (f) of CRR |
| A.1.8 |
Intangible Assets |
-42 |
-46 |
C:0.00 (300;010) + C:0.00 (340;010) |
Articles 4(113), 36(1) point (b) and 37 of CRR. Articles 4(115), 36(1) point (b) and 37 point (a) of CRR |
| A.1.10 |
IRB Shortfall of Credit Risk Adjustments |
-15 |
-3 |
C:0.00 (380;010) |
Articles 36(1) point (b), 40 and 159 of CRR |
| A.3 |
Tier 1 Capital |
2,033 |
2,017 |
C:0.00 (615;010) |
Article 25 of CRR |
| A.4 |
Tier 2 Capital |
267 |
216 |
C:0.00 (750;010) |
Article 71 of CRR |
Capital Ratios (Transitional Period)
- CET1 Capital Ratio: 24.93% (31/12/2017) to 23.64% (30/06/2018)
- Tier 1 Capital Ratio: 25.10% (31/12/2017) to 23.64% (30/06/2018)
- Total Capital Ratio: 28.39% (31/12/2017) to 26.18% (30/06/2018)
Leverage Ratio
- Tier 1 Capital (Transitional Definition): 2,033 mln EUR (31/12/2017) to 2,017 mln EUR (30/06/2018)
- Tier 1 Capital (Fully Phased-in Definition): 2,020 mln EUR (31/12/2017) to 2,017 mln EUR (30/06/2018)
- Leverage Ratio (Transitional Definition): 5.2% (31/12/2017) to 5.0% (30/06/2018)
- Leverage Ratio (Fully Phased-in Definition): 5.1% (31/12/2017) to 5.0% (30/06/2018)
Risk Exposure Amounts
| Risk Exposure Type |
As of 31/12/2017 (EUR) |
As of 30/06/2018 (EUR) |
| Credit Risk |
6,367 |
6,618 |
| Securitisation Risk |
140 |
122 |
| Contributions to CCP Default Fund |
0 |
0 |
| Other Credit Risk |
6,227 |
6,496 |
| Market Risk (FX, Commodities) |
0 |
0 |
| Credit Valuation Adjustment |
132 |
140 |
| Operational Risk |
1,029 |
1,029 |
| Other Risk Exposure |
572 |
745 |
| Total Risk Exposure Amount |
8,100 |
8,531 |
Profit and Loss (P&L)
| Item |
As of 31/12/2017 (EUR) |
As of 30/06/2018 (EUR) |
| Interest Income |
838 |
405 |
| Debt Securities Income |
84 |
38 |
| Loans and Advances Income |
750 |
366 |
| Interest Expenses |
343 |
141 |
| Deposits Expenses |
113 |
49 |
| Debt Securities Issued Expenses |
50 |
18 |
| Net Fee and Commission Income |
-49 |
-22 |
| Gains on Derecognition |
20 |
2 |
| Gains on Financial Assets Held for Trading |
-1 |
-1 |
| Gains on Financial Assets at Fair Value |
0 |
0 |
| Gains from Hedge Accounting |
3 |
1 |
| Exchange Differences |
0 |
0 |
| Net Other Operating Income |
52 |
36 |
| Total Operating Income, Net |
534 |
280 |
| Administrative Expenses |
326 |
214 |
| Depreciation |
25 |
12 |
| Profit or Loss Before Tax |
200 |
56 |
| Profit or Loss After Tax |
150 |
43 |
Credit Risk - Standardised Approach
| Risk Exposure Type |
As of 31/12/2017 |
As of 30/06/2018 |
| Central Governments |
3,317 |
3,830 |
| Regional Governments |
912 |
788 |
| Public Sector Entities |
214 |
242 |
| Corporates |
89 |
182 |
| Retail |
780 |
774 |
| Secured by Mortgages |
1,115 |
1,102 |
| Exposures in Default |
4 |
26 |
| Standardised Total |
7,371 |
7,798 |
Country-Specific Data (Belgium)
| Risk Exposure Type |
As of 31/12/2017 |
As of 30/06/2018 |
| Central Governments |
2,099 |
2,741 |
| Regional Governments |
818 |
707 |
| Public Sector Entities |
214 |
242 |
| Corporates |
56 |
94 |
| Retail |
772 |
766 |
| Secured by Mortgages |
732 |
887 |
| Exposures in Default |
3 |
25 |
| Standardised Total |
307 |
388 |
Notes
- Original Exposure: Reported before applying credit conversion factors or credit risk mitigation techniques.
- Value Adjustments and Provisions: Include general credit risk adjustments, but not those for securitization, AVAs, or other fund reductions.
- Transitional Adjustments: Applied to CET1 capital elements and deductions.
- Regulation: All data is governed by the Capital Requirements Regulation (CRR) and related delegated regulations.
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