EBA欧洲银行-MT_213800TC9PZRBHMJW403_TR_2018_20页_2mb

报告摘要

MDB Group Limited - 2018 EU-wide Transparency Exercise Summary

Core Information

Bank Name: MDB Group Limited
LEI Code: 213800TC9PZRBHMJW403
Country Code: MT (Malta)

Own Funds (Transitional Period)

Code	Item	2017 (min EUR)	2018 (min EUR)	COREP Code	Regulation
A	OWN FUNDS	348	356	C:0.00 (010;010)	Articles 4(118) and 72 of CRR
A.1	CET1 Capital (net of deductions)	294	305	C:0.00 (020;010)	Article 50 of CRR
A.1.1	CET1 Capital Eligible Instruments	69	69	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	104	113	C:0.00 (030;010)	Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR
A.1.3	Accumulated Other Comprehensive Income	-1	0	C:0.00 (018;010)	Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR
A.1.4	Other Reserves	129	128	C:0.00 (000;010)	Articles 4(117) and 26(1) point (e) of CRR
A.1.5	Funds for General Banking Risk	2	2	C:0.00 (015;010)	Articles 4(112), 26(1) point (f) and 36 (1) point (f) of CRR
A.1.6	Minority Interest in CET1	0	0	C:0.00 (023;010)	Article 84 of CRR
A.1.7	Adjustments to CET1 due to Prudential Fibers	0	0	C:0.00 (025;010)	Articles 32 to 35 of and 36 (1) point (f) of CRR
A.1.8	Intangible Assets (including Goodwill)	-1	-4	C:0.00 (030;010) + C:0.00 (040;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.1.9	TFA relying on future profitability	-10	-10	C:0.00 (037;010)	Articles 36(1) point (c) and 38 of CRR
A.1.10	IRB shortfall of credit risk adjustments	0	0	C:0.00 (038;010)	Articles 36(1) point (b), 40 and 159 of CRR
A.1.11	Defined Benefit Pension Fund Assets	0	0	C:0.00 (039;010)	Articles 4(109), 36(1) point (a) and 41 of CRR
A.1.12	Reciprocal Cross Holdings in CET1	0	0	C:0.00 (043;010)	Articles 4(122), 36(1) point (g) and 44 of CRR
A.1.13	Excess Deduction from AT1 items over AT1 Capital	0	0	C:0.00 (046;010)	Article 36(1) point (g) of CRR
A.1.14	Deductions related to assets with 1.250% risk weight	0	0	C:0.00 (045;010) + C:0.00 (046;010), C:0.00 (047;010)	Articles 4(36), 36(1) point (b) and 89 to 91 of CRR. Articles 36(1) point (b), 74(3)1 point (b), 34(1) point (b) and 258 of CRR. Articles 36(1) point (b), 43, 45, 47, 48(1) point (b); 49(3) to (3) and 75(4) of CRR
A.1.15	Holdings of CET1 capital instruments of financial sector entities (no significant investment)	0	0	C:0.00 (046;010)	Articles 36(1) point (b), 24(3)1 point (b), 24(4)1 point (b) and 258 of CRR
A.1.16	Deductible DTAs that rely on future profitability	0	0	C:0.00 (049;010)	Articles 4(37), 36(1) point (b), 43 to 46, 49 (2) and (3) and 79 of CRR
A.1.17	Holdings of CET1 capital instruments of financial sector entities (significant investment)	0	0	C:0.00 (050;010)	Articles 4(27); 36(1) point (b); 43, 45, 47, 48(1) point (b); 49(3) to (3) and 79 of CRR
A.1.18	Amount exceeding 17.65% threshold	0	0	C:0.00 (051;010)	Article 48 of CRR
A.1.19	Additional deductions of CET1 Capital due to Article 3 CRR	0	0	C:0.00 (054;010)	Article 3 CRR
A.1.20	CET1 Capital elements or deductions - other	0	0	C:0.00 (059;010)	-
A.1.21	Transitional adjustments	2	5	GAI (1.1.6 + 1.1.8 + 1.1.1.26)	-
A.1.21.1	Transitional adjustments due to grandfathered CET1 Capital instruments	0	0	C:0.00 (022;010)	Articles 48(3)1 point (3), and 484 to 487 of CRR
A.1.21.2	Transitional adjustments due to additional minority interests	0	0	C:0.00 (024;010)	Articles 479 and 480 of CRR
A.1.21.3	Other transitional adjustments to CET1 Capital	2	5	C:0.00 (052;010)	Articles 469 to 472, 478 and 481 of CRR
A.2	Additional Tier 1 Capital (net of deductions)	0	0	C:0.00 (053;010)	Article 61 of CRR
A.2.1	Additional Tier 1 Capital instruments	0	0	C:0.00 (054;010) + C:0.00 (057;010)	-
A.2.2	Excess deduction from T2 items over T2 capital	0	0	C:0.00 (072;010)	-
A.2.3	Other Additional Tier 1 Capital components and deductions	0	0	C:0.00 (069;010) + C:0.00 (070;010), + C:0.00 (071;010), + C:0.00 (072;010), + C:0.00 (073;010), + C:0.00 (074;010)	-
A.2.4	Additional Tier 1 transitional adjustments	0	0	C:0.00 (069;010) + C:0.00 (068;010) + C:0.00 (073;010)	-
A.3	Tier 1 Capital (net of deductions)	294	305	C:0.00 (015;010)	Article 25 of CRR
A.4	Tier 2 Capital (net of deductions)	53	51	C:0.00 (075;010)	Article 71 of CRR
A.4.1	Tier 2 Capital instruments	53	51	C:0.00 (076;010) + C:0.00 (089;010)	-
A.4.2	Other Tier 2 Capital components and deductions	0	0	C:0.00 (093;010) + C:0.00 (092;010), + C:0.00 (093;010), + C:0.00 (095;010), + C:0.00 (097;010), + C:0.00 (098;010)	-
A.4.3	Tier 2 transitional adjustments	0	0	C:0.00 (088;010) + C:0.00 (090;010), + C:0.00 (096;010), + C:0.00 (098;010)	-
B	Total Risk Exposure Amount	1,944	2,155	C:0.00 (016;018)	Articles 8(3), 95, 96 and 98 of CRR
B.1	Transitional adjustments included	0	13	C:0.01 (015;014)	-
C.1	Common Equity Tier 1 Capital Ratio (transitional period)	15.14%	14.15%	GA3 (1)	-
C.2	Tier 1 Capital Ratio (transitional period)	15.14%	14.15%	GA3 (3)	-
C.3	Total Capital Ratio (transitional period)	17.88%	16.52%	GA3 (5)	-
D	CET1 Capital Fully loaded	292	299	-	-
E	CET1 Capital Ratio (fully loaded)	15.04%	13.98%	-	-

Capital Ratios

Common Equity Tier 1 (CET1) Capital Ratio (Transitional Period): 15.14% (31/12/2017) → 14.15% (30/06/2018)
Tier 1 Capital Ratio (Transitional Period): 15.14% (31/12/2017) → 14.15% (30/06/2018)
Total Capital Ratio (Transitional Period): 17.88% (31/12/2017) → 16.52% (30/06/2018)
CET1 Capital Ratio (Fully loaded): 15.04% (31/12/2017) → 13.98% (30/06/2018)

Risk Exposure Amounts

Risk Type	2017 (min EUR)	2018 (min EUR)
Credit Risk	1,858	2,043
Other Credit Risk	1,858	2,043
Market Risk (Position, FX, Commodities)	0	0
Credit Valuation Adjustment	1	2
Operational Risk	85	111
Total Risk Exposure Amount	1,944	2,155

Profit and Loss (P&L)

Item	2017 (mln EUR)	2018 (mln EUR)
Interest Income	72	24
Interest Expenses	24	8
Net Fee and Commission Income	4	1
Gains or (-) Losses on Derecognition	-1	0
Exchange Differences	3	1
Total Operating Income, Net	54	18
Administrative Expenses	37	13
Profit or (-) Loss Before Tax	15	5
Profit or (-) Loss After Tax	23	5
Profit or (-) Loss for the Year	23	5

Leverage Ratio

Item	2017 (mln EUR)	2018 (mln EUR)
Tier 1 Capital (Transitional)	294	305
Tier 1 Capital (Fully phased-in)	292	299
Total Leverage Ratio Exposures (Transitional)	3,019	2,977
Total Leverage Ratio Exposures (Fully phased-in)	3,017	2,971
Leverage Ratio (Transitional)	9.7%	10.2%
Leverage Ratio (Fully phased-in)	9.7%	10.1%

Credit Risk - Standardised Approach

Country	Original Exposure (2017)	Exposure Value (2017)	Risk Exposure Amount (2017)	Value Adjustments (2017)	Original Exposure (2018)	Exposure Value (2018)	Risk Exposure Amount (2018)	Value Adjustments (2018)
Central Governments	312	316	19	-	107	111	25	-
Regional Governments	42	42	0	-	67	67	0	-
Public Sector Entities	114	110	0	-	114	110	0	-
Corporates	2,107	1,659	1,659	-	2,194	1,817	1,817	-
Covered Bonds	276	276	28	-	241	241	24	-
Standardised Total	3,243	2,765	1,858	16	3,154	2,730	2,043	26

Key Observations

The bank's CET1 capital increased slightly from 294 mln EUR (2017) to 305 mln EUR (2018), indicating a positive trend in capital adequacy.
The total risk exposure amount increased from 1,944 mln EUR (2017) to 2,155 mln EUR (2018), reflecting a rise in overall risk exposure.
The leverage ratio improved slightly from 9.7% to 10.2% (using transitional definition) and from 9.7% to 10.1% (using fully phased-in definition), suggesting better capital efficiency.
The P&L showed a significant decrease in net income, from 54 mln EUR (2017) to 18 mln EUR (2018), with a corresponding drop in profit after tax from 23 mln EUR to 5 mln EUR.

展开完整摘要