EBA欧洲银行-MT_213800TC9PZRBHMJW403_TR_2017_14页_1mb

报告摘要

2017 EU-wide Transparency Exercise Summary - MeDirect Group Limited

Core Information

Bank Name: MeDirect Group Limited
LEI Code: 213800TC9PZRBHMJW403
Country Code: MT (Malta)
Reporting Period:
- As of 31/12/2016
- As of 30/06/2017

Capital Structure (Transitional Period)

Item	Description	31/12/2016	30/06/2017
A	OWN FUNDS	244	252
A.1	COMMON EQUITY TIER 1 CAPITAL	206	216
A.1.1	Capital instruments eligible as CET1 Capital	69	69
A.1.2	Retained earnings	90	101
A.1.3	Accumulated other comprehensive income	-4	-3
A.1.4	Other Reserves	51	52
A.1.5	Funds for general banking risk	1	2
A.1.6	Minority interest given recognition in CET1 capital	0	0
A.1.7	Adjustments to CET1 due to prudential filters	0	0
A.1.8	Intangible assets (including Goodwill)	-1	-1
A.1.9	DTAs that rely on future profitability	-1	-5
A.1.10	IRB shortfall of credit risk adjustments	0	0
A.1.11	Defined benefit pension fund assets	0	0
A.1.12	Reciprocal cross holdings in CET1 Capital	0	0
A.1.13	Excess deduction from ATI items over ATI Capital	0	0
A.1.14	Deductions related to assets which can alternatively be subject to a 1.250% risk weight	0	0
A.1.14.1	Of which: from securitisation positions	0	0
A.1.15	Holdings of CET1 capital instruments of financial sector entities (no significant investment)	0	0
A.1.16	Deductible DTAs that rely on future profitability	0	0
A.1.17	Holdings of CET1 capital instruments of financial sector entities (significant investment)	0	0
A.1.18	Amount exceeding the 17.65% threshold	0	0
A.1.19	Additional deductions of CET1 Capital due to Article 3 CRR	0	0
A.1.20	CET1 capital elements or deductions - other	0	0
A.1.21	Transitional adjustments	1	1
A.1.21.1	Transitional adjustments due to grandfathered CET1 Capital instruments	0	0
A.1.21.2	Transitional adjustments due to additional minority interests	0	0
A.1.21.3	Other transitional adjustments to CET1 Capital	1	1
A.2	ADDITIONAL TIER 1 CAPITAL	0	0
A.2.1	Additional Tier 1 Capital instruments	0	0
A.2.2	Excess deduction from T2 items over T2 capital	0	0
A.2.3	Other Additional Tier 1 Capital components and deductions	0	0
A.2.4	Additional Tier 1 transitional adjustments	0	0
A.3	TIER 1 CAPITAL	206	216
A.4	TIER 2 CAPITAL	38	36

Capital Ratios (Transitional Period)

Item	Description	31/12/2016	30/06/2017
C.1	COMMON EQUITY TIER 1 CAPITAL RATIO	11.70%	11.54%
C.2	TIER 1 CAPITAL RATIO	11.70%	11.54%
C.3	TOTAL CAPITAL RATIO	13.86%	13.45%

Fully Loaded CET1 Capital

Item	Description	31/12/2016	30/06/2017
D	COMMON EQUITY TIER 1 CAPITAL (fully loaded)	205	216
E	COMMON EQUITY TIER 1 CAPITAL RATIO (fully loaded)	11.67%	11.49%

Leverage Ratio

Item	Description	31/12/2016	30/06/2017
A.1	Tier 1 capital - transitional definition	206	216
A.2	Tier 1 capital - fully phased-in definition	205	216
B.1	Total leverage ratio exposures - using transitional definition	2,745	2,899
B.2	Total leverage ratio exposures - using fully phased-in definition	2,744	2,898
C.1	Leverage ratio - using transitional definition	7.5%	7.5%
C.2	Leverage ratio - using fully phased-in definition	7.5%	7.4%

Total Risk Exposure Amount

Item	Description	31/12/2016	30/06/2017
B	Total Risk Exposure Amount	1,760	1,876

Profit and Loss (P&L)

Item	Description	31/12/2016
Interest income	71	23
Of which debt securities income	2	0
Of which loans and advances income	68	23
Interest expenses	27	9
Of which deposits expenses	22	7
Of which debt securities issued expenses	2	1
Net Fee and commission income	5	1
Gains or (-) losses on derecognition of financial assets and liabilities	2	1
Exchange differences [gain or (-) loss], net	-1	1
Profit or (-) loss before tax from continuing operations	16	6
Profit or (-) loss after tax from continuing operations	12	7

Market Risk

Total Risk Exposure Amount: 0 mln EUR for both periods
VaR (Memorandum item): 0 mln EUR for both periods
STRESSED VaR (Memorandum item): 0 mln EUR for both periods
Incremental Default and Migration Risk Capital Charge: 0 mln EUR for both periods
All Price Risks Capital Charge for CTP: 0 mln EUR for both periods

Credit Risk - Standardised Approach

Consolidated Data

Item	Description	31/12/2016
Central governments or central banks	117	271
Regional governments or local authorities	113	42
Public sector entities	111	126
Multilateral Development Banks	119	115
International Organisations	43	42
Institutions	190	132
Corporates	1,699	1,745
Of which: SME	0	2
Retail	3	13
Of which: SME	0	10
Secured by mortgages on immovable property	32	26
Of which: SME	0	3
Exposures in default	41	54
Items associated with particularly high risk	40	53
Covered bonds	335	287
Claims on institutions and corporates with a ST credit assessment	0	0
Collective investments undertakings (CIU)	0	0
Equity	0	0
Securitisation	0	0
Other exposures	7	11
Standardised Total	2,847	2,916

Country-Specific Data

United Kingdom

Item	Description	31/12/2016
Central governments or central banks	0	0
Regional governments or local authorities	0	0
Public sector entities	0	0
Multilateral Development Banks	0	0
International Organisations	0	0
Institutions	89	80
Corporates	458	501
Of which: SME	0	0
Retail	0	0
Of which: SME	0	0
Secured by mortgages on immovable property	0	10
Of which: SME	0	0
Exposures in default	0	0
Items associated with particularly high risk	0	0
Covered bonds	155	136
Claims on institutions and corporates with a ST credit assessment	0	0
Collective investments undertakings (CIU)	0	0
Equity	0	0
Securitisation	0	0
Other exposures	0	0
Standardised Total	0	0

France

Item	Description	31/12/2016
Central governments or central banks	0	0
Regional governments or local authorities	0	0
Public sector entities	111	109
Multilateral Development Banks	0	0
International Organisations	0	0
Institutions	21	2
Corporates	197	297
Of which: SME	0	0
Retail	0	0
Of which: SME	0	0
Secured by mortgages on immovable property	0	0
Of which: SME	0	0
Exposures in default	0	0
Items associated with particularly high risk	0	0
Covered bonds	8	8
Claims on institutions and corporates with a ST credit assessment	0	0
Collective investments undertakings (CIU)	0	0
Equity	0	0
Securitisation	0	0
Other exposures	0	0
Standardised Total	0	0

Germany

Item	Description	31/12/2016
Central governments or central banks	0	0
Regional governments or local authorities	63	42
Public sector entities	0	0
Multilateral Development Banks	0	0
International Organisations	0	0
Institutions	5	6
Corporates	261	206
Of which: SME	0	0
Retail	0	0
Of which: SME	0	0
Secured by mortgages on immovable property	0	0
Of which: SME	0	0
Exposures in default	0	18
Items associated with particularly high risk	0	0
Covered bonds	0	0

Key Information

Capital Adequacy: The CET1 capital increased from 206 mln EUR to 216 mln EUR, while Tier 2 capital decreased from 38 mln EUR to 36 mln EUR.
Capital Ratios: Common Equity Tier 1 capital ratio decreased from 11.70% to 11.54%, and Total capital ratio decreased from 13.86% to 13.45%.
Leverage Ratio: Remained stable at 7.5% for the transitional definition, slightly decreased to 7.4% for the fully phased-in definition.
Total Risk Exposure Amount: Increased from 1,760 mln EUR to 1,876 mln EUR.
Market Risk: All risk exposure amounts were reported as zero, indicating no market risk exposure.
Credit Risk: The bank reported significant credit risk exposure under the standardised approach, with a total of 2,847 mln EUR as of 31/12/2016 and 2,916 mln EUR as of 30/06/2017.
P&L: Net operating income decreased from 49 mln EUR to 18 mln EUR, with a significant drop in interest income and expenses. Profit after tax from continuing operations decreased from 12 mln EUR to 7 mln EUR.