EBA欧洲银行-SE_H0YX5LBGKDVOWCXBZ594_TR_2016_15页_1mb

报告摘要

Item	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
OWN FUNDS	2,053	2,036
COMMON EQUITY TIER 1 CAPITAL (CET1)	1,189	1,246
- Capital instruments eligible as CET1	213	208
- Retained earnings	997	1,066
- Accumulated other comprehensive income	29	99
- Other Reserves	0	0
- Funds for general banking risk	0	0
- Minority interest given recognition in CET1	0	0
- Adjustments to CET1 due to prudential filters	-36	-107
- Intangible assets (including Goodwill)	-5	-13
- Deductible DTAs that rely on future profitability and arise from temporary differences	0	0
- IRB shortfall of credit risk adjustments to expected losses	-9	-7
- Defined benefit pension fund assets	0	0
- Reciprocal cross holdings in CET1 Capital	0	0
- Excess deduction from AT1 items over AT1 Capital	0	0
- Deductions related to assets which can alternatively be subject to a 1.25% risk weight	0	0
- Holdings of CET1 capital instruments of financial sector entities where the institution does not have a significant investment	0	0
- Additional deductions of CET1 Capital due to Article 3 CRR	0	0
- CET1 capital elements or deductions - other	0	0
- Transitional adjustments	0	0
- Transitional adjustments due to grandfathered CET1 Capital instruments	0	0
- Transitional adjustments due to additional minority interests	0	0
- Other transitional adjustments to CET1 Capital	0	0

Additional Tier 1 Capital (AT1): 271 (318)

Tier 1 Capital: 1,460 (1,564)

Tier 2 Capital: 593 (472)

Risk Type	As of 31/12/2015	As of 30/06/2016
Credit Risk
- Central governments or central banks	544	650
- Regional governments or local authorities	437	560
- Public sector entities	0	0
- Multilateral Development Banks	37	89
- International Organisations	0	0
- Institutions	381	536
- Corporates	2	2
- Retail	401	415
- Covered bonds	3,217	3,992
- Claims on institutions and corporates with a ST credit assessment	6	11
- Other exposures	85	109
Standardised Total	5,111	6,365

Item	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Interest Income	1,163	554
- Debt Securities Income	87	28
- Loans and Advances Income	615	281
Interest Expenses	897	413
- Deposits Expenses	63	28
- Debt Securities Issued Expenses	499	206
Net Fee and Commission Income	-11	1
Gains or (-) Losses on Derecognition	0	-9
Gains or (-) Losses on Financial Assets Held for Trading	-10	1
Gains or (-) Losses on Financial Assets Designated at Fair Value through Profit or Loss	0	0
Gains or (-) Losses from Hedge Accounting	11	10
Net Other Operating Income/(Expenses)	0	1
Total Operating Income, Net	254	145
Profit or (-) Loss Before Tax from Continuing Operations	162	99
Profit or (-) Loss After Tax from Continuing Operations	126	77
Profit or (-) Loss for the Year	126	77

Capital Trends: The bank's CET1 capital increased from 1,189 to 1,246 million EUR during the transitional period, while the total capital decreased slightly from 4,162 to 4,392 million EUR.
Capital Ratios: The CET1 ratio slightly decreased from 28.57% to 28.37%, while the Tier 1 ratio increased from 35.09% to 35.62%, and the Total Capital ratio decreased from 49.33% to 46.36%.
Risk Exposure: Credit risk exposure increased from 3,510 to 3,618 million EUR, while market risk exposure decreased from 202 to 171 million EUR.
P&L Performance: Net operating income decreased from 254 to 145 million EUR, with a corresponding decrease in profit after tax from 126 to 77 million EUR.
Standardised Approach: The bank reported significant credit risk exposure, with covered bonds and institutions forming a large portion of the exposure. The total standardised risk exposure increased from 5,111 to 6,365 million EUR.

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