EBA欧洲银行-GR_5299009N55YRQC69CN08_TR_2018_20页_2mb

2018 EU-wide Transparency Exercise Summary - Alpha Bank AE

Core Content Overview

This document provides detailed information on the capital structure, leverage ratios, risk exposure amounts, and profit and loss (P&L) data of Alpha Bank AE as part of the 2018 EU-wide Transparency Exercise. The data is categorized under different regulatory frameworks and includes both transitional and fully phased-in definitions.

Key Information

Capital Structure (Transitional Period)

• Own Funds:

  • As of 31/12/2017: 9,004 mln EUR
  • As of 30/06/2018: 8,906 mln EUR
  • CET1 Capital:
    • As of 31/12/2017: 8,994 mln EUR
    • As of 30/06/2018: 8,891 mln EUR
    • Tier 1 Capital:
      • As of 31/12/2017: 8,994 mln EUR
      • As of 30/06/2018: 8,897 mln EUR
    • Tier 2 Capital:
      • As of 31/12/2017: 10 mln EUR
      • As of 30/06/2018: 9 mln EUR

• Capital Ratios:

  • Common Equity Tier 1 (CET1) Ratio:
    • As of 31/12/2017: 18.33%
    • As of 30/06/2018: 18.49%
  • Tier 1 Ratio:
    • As of 31/12/2017: 18.33%
    • As of 30/06/2018: 18.50%
  • Total Capital Ratio:
    • As of 31/12/2017: 18.35%
    • As of 30/06/2018: 18.52%

Leverage Ratios

• Tier 1 Capital - Transitional Definition:
  • As of 31/12/2017: 8,994 mln EUR
  • As of 30/06/2018: 8,897 mln EUR
• Leverage Ratio - Transitional Definition: 14.9% (both dates)
• Tier 1 Capital - Fully Phased-in Definition:
  • As of 31/12/2017: 8,996 mln EUR
  • As of 30/06/2018: 7,296 mln EUR
• Leverage Ratio - Fully Phased-in Definition:
  • As of 31/12/2017: 14.9%
  • As of 30/06/2018: 12.5%

Risk Exposure Amounts

• Total Risk Exposure Amount:
  • As of 31/12/2017: 49,060 mln EUR
  • As of 30/06/2018: 48,079 mln EUR
• Credit Risk Exposure:
  • As of 31/12/2017: 44,346 mln EUR
  • As of 30/06/2018: 43,525 mln EUR
• Market Risk Exposure:
  • As of 31/12/2017: 724 mln EUR
  • As of 30/06/2018: 572 mln EUR

P&L Data

• Interest Income:
  • As of 31/12/2017: 2,499 mln EUR
  • As of 30/06/2018: 1,158 mln EUR
• Interest Expenses:
  • As of 31/12/2017: 572 mln EUR
  • As of 30/06/2018: 264 mln EUR
• Net Fee and Commission Income:
  • As of 31/12/2017: 324 mln EUR
  • As of 30/06/2018: 170 mln EUR
• Gains or Losses on Financial Assets and Liabilities:
  • As of 31/12/2017: 110 mln EUR
  • As of 30/06/2018: 269 mln EUR
• Gains or Losses on Financial Assets at Fair Value Through Profit or Loss:
  • As of 31/12/2017: 2 mln EUR
  • As of 30/06/2018: -15 mln EUR
• Total Operating Income, Net:
  • As of 31/12/2017: 2,514 mln EUR
  • As of 30/06/2018: 1,355 mln EUR

Main Components of P&L

• Administrative Expenses:
  • As of 31/12/2017: 1,126 mln EUR
  • As of 30/06/2018: 491 mln EUR
• Depreciation:
  • As of 31/12/2017: 95 mln EUR
  • As of 30/06/2018: 48 mln EUR
• Impairment or Reversal of Impairment:
  • As of 31/12/2017: 1,045 mln EUR
  • As of 30/06/2018: 651 mln EUR
• Profit or Loss for the Year:
  • As of 31/12/2017: 37 mln EUR
  • As of 30/06/2018: 7 mln EUR

Main Points

• The capital structure of Alpha Bank AE is reported under both transitional and fully phased-in definitions.
• The CET1 capital decreased from 8,994 mln EUR to 8,891 mln EUR, while Tier 1 and Tier 2 capital also showed reductions.
• The leverage ratios remained stable at 14.9% for the transitional definition, but decreased to 12.5% under the fully phased-in definition.
• The total risk exposure amount declined from 49,060 mln EUR to 48,079 mln EUR, with a notable reduction in credit and market risk exposure.
• The P&L data indicates a significant drop in operating income and a reduction in net profit, likely due to lower interest income and higher expenses.
• The bank's capital ratios remained above the regulatory minimums throughout the reporting period.