EBA欧洲银行-ES_VWMYAEQSTOPNV0SUGU82_TR_2015_21页_1mb

报告摘要

2015 EU-wide Transparency Exercise Summary for Bankinter SA

Core Information

Bank Name: Bankinter SA
LEI Code: VWMYAEQSTOPNV0SUGU82
Country Code: ES (Spain)

Capital Structure

Own Funds

As of 31/12/2014: 3,360 mln EUR
As of 30/06/2015: 3,429 mln EUR

Common Equity Tier 1 (CET1) Capital

As of 31/12/2014: 3,050 mln EUR
As of 30/06/2015: 3,124 mln EUR
Regulation: Article 50 of CRR

CET1 Capital Instruments

As of 31/12/2014: 1,433 mln EUR
As of 30/06/2015: 1,436 mln EUR
Regulation: Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR

Retained Earnings

As of 31/12/2014: 138 mln EUR
As of 30/06/2015: 92 mln EUR
Regulation: Articles 26(1) point (c), 26(2) and 36(1) points (a) and (f) of CRR

Accumulated Other Comprehensive Income

As of 31/12/2014: 130 mln EUR
As of 30/06/2015: 90 mln EUR
Regulation: Articles 4(100), 26(1) point (d) and 36(1) point (f) of CRR

Other Reserves

As of 31/12/2014: 1,815 mln EUR
As of 30/06/2015: 1,957 mln EUR
Regulation: Articles 4(117) and 26(1) point (e) of CRR

Adjustments to CET1

As of 31/12/2014: -71 mln EUR
As of 30/06/2015: 0 mln EUR
Regulation: Articles 32 to 35 and 36(1) point (f) of CRR

Deductions from CET1

Intangible Assets: -213 mln EUR (31/12/2014), -210 mln EUR (30/06/2015)
IRB Shortfall of Credit Risk Adjustments to Expected Losses: -281 mln EUR (31/12/2014), -297 mln EUR (30/06/2015)
Excess Deduction from AT1 Items over AT1 Capital: -236 mln EUR (31/12/2014), -174 mln EUR (30/06/2015)
Other Deductions: 0 mln EUR (both periods)

Transitional Adjustments

As of 31/12/2014: 360 mln EUR
As of 30/06/2015: 276 mln EUR
Regulation: Articles 469 to 472, 478 and 481 of CRR

Additional Tier 1 (AT1) Capital

As of 31/12/2014: 0 mln EUR
As of 30/06/2015: 0 mln EUR
Regulation: Article 61 of CRR

Tier 2 Capital

As of 31/12/2014: 309 mln EUR
As of 30/06/2015: 305 mln EUR
Regulation: Article 71 of CRR

Total Capital Ratio

As of 31/12/2014: 13.07%
As of 30/06/2015: 12.97%

Risk Exposure Amounts

Total Risk Exposure Amount (as of 31/12/2014): 25,704 mln EUR
Total Risk Exposure Amount (as of 30/06/2015): 26,435 mln EUR

Credit Risk

As of 31/12/2014: 23,543 mln EUR
As of 30/06/2015: 24,445 mln EUR

Securitisation and Re-securitisation Risk

As of 31/12/2014: 536 mln EUR
As of 30/06/2015: 522 mln EUR

Market Risk

As of 31/12/2014: 382 mln EUR
As of 30/06/2015: 217 mln EUR

Operational Risk

As of 31/12/2014: 1,773 mln EUR
As of 30/06/2015: 1,773 mln EUR

Profit and Loss (P&L) Summary

Operating Income

As of 31/12/2014: 1,097 mln EUR
As of 30/06/2015: 625 mln EUR

Operating Expenses

As of 31/12/2014: 470 mln EUR
As of 30/06/2015: 249 mln EUR

Net Profit After Tax

As of 31/12/2014: 276 mln EUR
As of 30/06/2015: 197 mln EUR

Credit Risk - Standardised Approach

Standardised Total (as of 31/12/2014): 44,160 mln EUR
Standardised Total (as of 30/06/2015): 47,173 mln EUR

IRB Approach

IRB Total (as of 31/12/2014): 5,350 mln EUR
IRB Total (as of 30/06/2015): 5,296 mln EUR

Sovereign Exposure

Total Sovereign Exposure (as of 31/12/2014): 0 mln EUR
Total Sovereign Exposure (as of 30/06/2015): 0 mln EUR

Breakdown of Sovereign Exposure

Gross Direct Long Exposures: 0 mln EUR (both periods)
Net Direct Positions: 0 mln EUR (both periods)
Direct Sovereign Exposures in Derivatives: 0 mln EUR (both periods)
Indirect Sovereign Exposures: 0 mln EUR (both periods)

Key Observations

The bank reported no sovereign exposure in both periods, indicating no direct or indirect exposure to sovereign entities.
Capital ratios remained relatively stable, with CET1 capital slightly increasing from 3,050 mln EUR to 3,124 mln EUR.
There were no significant changes in the risk exposure amounts across different categories, except for market risk, which decreased from 382 mln EUR to 217 mln EUR.
The P&L showed a decline in operating income and net profit after tax, reflecting a reduction in profitability over the period.
No significant adjustments were made to CET1 capital due to intangible assets or IRB shortfall, except for a small negative adjustment in the first period.
The bank did not report any significant holdings of CET1 capital instruments of financial sector entities where it has a significant investment.

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