EBA欧洲银行-ES_549300U4LIZV0REEQQ46_TR_2015_21页_1mb

报告摘要

2015 EU-wide Transparency Exercise Summary for Kutxabank

Core Information

Bank Name: Kutxabank
LEI Code: 549300U4LIZV0REEQQ46
Country Code: ES (Spain)

Capital Structure

Capital Component	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)	COREP Code	Regulation
Own Funds	4,402	4,555	CA1 (1)	Articles 4(118) and 72 of CRR
CET1 Capital	4,276	4,430	CA1 (1.1.1)	Article 50 of CRR
Capital Instruments Eligible as CET1	2,060	2,060	CA1 (1.1.1.1)	Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR
Retained Earnings	2,554	2,631	CA1 (1.1.1.2)	Articles 26(1) point (c), 26(2) and 36(1) points (a) and (f) of CRR
Accumulated Other Comprehensive Income	365	336	CA1 (1.1.1.3)	Articles 4(100), 26(1) point (d) and 36(1) point (f) of CRR
Other Reserves	0	0	CA1 (1.1.1.4)	Articles 4(117) and 26(1) point (e) of CRR
Funds for General Banking Risk	0	0	CA1 (1.1.1.5)	Articles 4(112), 26(1) point (f) and 36(1) point (f) of CRR
Minority Interest in CET1 Capital	0	0	CA1 (1.1.1.7)	Article 84 of CRR
Adjustments to CET1 due to Prudential Filters	1	-2	CA1 (1.1.1.9)	Articles 32 to 35 and 36(1) point (f) of CRR
Intangible Assets (including Goodwill)	-301	-306	CA1 (1.1.1.10 + 1.1.1.11)	Articles 4(113), 36(1) point (b) and 37 of CRR; Articles 4(115), 36(1) point (b) and 37 point (a) of CCR
DTAs that rely on future profitability	-425	-466	CA1 (1.1.1.12)	Articles 36(1) point (c) and 38 of CRR
IRB Shortfall of Credit Risk Adjustments	0	0	CA1 (1.1.1.13)	Articles 36(1) point (d), 40 and 159 of CRR
Defined Benefit Pension Fund Assets	0	0	CA1 (1.1.1.14)	Articles 4(109), 36(1) point (e) and 41 of CRR
Reciprocal Cross Holdings in CET1 Capital	0	0	CA1 (1.1.1.15)	Articles 4(122), 36(1) point (g) and 44 of CRR
Excess Deduction from AT1 Items over AT1 Capital	-241	-184	CA1 (1.1.1.16)	Article 36(1) point (j) of CRR
Deductions related to assets with 1.250% risk weight	0	0	CA1 (1.1.1.17 to 1.1.1.21)	Articles 4(36), 36(1) point (k) (i) and 89 to 91 of CRR; Articles 36(1) point (k) (ii), 243(1) point (b), 244(1) point (b) and 258 of CRR; Articles 36(1) point (k) (iii) and 379(3) of CRR; Articles 36(1) point (k) (iv) and 153(8) of CRR and Articles 36(1) point (k) (v) and 155(4) of CRR
Other CET1 Capital Elements and Deductions	0	0	CA1 (1.1.1.27) + CA1 (1.1.1.28)	-
Transitional Adjustments	264	360	CA1 (1.1.1.6 + 1.1.1.8 + 1.1.1.26)	-
Transitional Adjustments due to Grandfathered CET1 Instruments	0	0	CA1 (1.1.1.6)	Articles 483(1) to (3), and 484 to 487 of CRR
Transitional Adjustments due to Additional Minority Interests	7	6	CA1 (1.1.1.8)	Articles 479 and 480 of CRR
Other Transitional Adjustments to CET1 Capital	257	354	CA1 (1.1.1.26)	Articles 469 to 472, 478 and 481 of CRR

Tier Capital

Tier Capital Type	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Additional Tier 1 Capital	0	0
Tier 2 Capital	126	125

Total Risk Exposure Amount

Risk Exposure Type	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Total Risk Exposure Amount	33,578	31,762

Capital Ratios

Capital Ratio	As of 31/12/2014	As of 30/06/2015
CET1 Capital Ratio	12.74%	13.95%
Tier 1 Capital Ratio	12.74%	13.95%
Total Capital Ratio	13.11%	14.34%

Profit and Loss (P&L) Summary

P&L Component	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Interest Income	1,084	471
Interest Expenses	464	163
Net Fee and Commission Income	390	207
Gains or (-) Losses on Derecognition	146	34
Gains or (-) Losses on Financial Assets Held for Trading	-2	4
Exchange Differences	4	2
Net Other Operating Income/(Expenses)	-58	-16
Total Operating Income, Net	1,191	582
Administrative Expenses	675	341
Depreciation	64	20
Provisions or (-) Reversal of Provisions	21	5
Impairment or (-) Reversal of Impairment	302	263
Profit or (-) Loss Before Tax from Continuing Operations	133	99
Profit or (-) Loss After Tax from Continuing Operations	151	123
Profit or (-) Loss for the Year	151	123

Risk Exposure by Type

Risk Type	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Credit Risk	30,796	28,998
Securitisation Risk	50	50
Operational Risk	2,660	2,660
Market Risk	0	5
Total Risk Exposure Amount	33,578	31,762

Credit Risk - Standardised Approach

Credit Risk Component	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Standardised Total	66,958	57,254

Sovereign Exposure

Direct Sovereign Exposures:
- Loans and Advances: 0 (As of 31/12/2014), 0 (As of 30/06/2015)
- AFS Banking Book: 0 (As of 31/12/2014), 0 (As of 30/06/2015)
- RVO Banking Book: 0 (As of 31/12/2014), 0 (As of 30/06/2015)
- Financial Assets Held for Trading: 0 (As of 31/12/2014), 0 (As of 30/06/2015)
- Derivatives with Positive Fair Value: 0 (As of 31/12/2014), 0 (As of 30/06/2015)
- Derivatives with Negative Fair Value: 0 (As of 31/12/2014), 0 (As of 30/06/2015)
- Indirect Sovereign Exposures: 0 (As of 31/12/2014), 0 (As of 30/06/2015)

Key Observations

Capital Growth: Own funds increased from 4,402 million EUR to 4,555 million EUR, indicating a positive trend in capital.
CET1 Capital: Increased from 4,276 million EUR to 4,430 million EUR, showing improved capital quality.
Risk Exposure Reduction: Total risk exposure decreased from 33,578 million EUR to 31,762 million EUR, suggesting a reduction in overall risk.
Capital Ratios: Improved from 12.74% CET1, 13.11% Total Capital to 13.95% CET1, 14.34% Total Capital, reflecting better capital adequacy.
P&L Trends: Operating income decreased significantly from 1,191 million EUR to 582 million EUR, possibly due to economic conditions or operational changes.
Sovereign Exposure: No direct or indirect sovereign exposures reported, indicating minimal exposure to sovereign debt.

展开完整摘要