EBA欧洲银行-AT_PQOH26KWDF7CG10L6792_TR_2016_15页_1mb

报告摘要

Item	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Own Funds	17,566	18,933
Common Equity Tier 1 (CET1)	12,136	13,408
Capital instruments eligible as CET1	2,264	2,299
Retained Earnings	7,943	8,565
Accumulated Other Comprehensive Income	-190	-293
Other Reserves	868	873
Funds for general banking risk	0	0
Minority interest in CET1	3,395	3,515
Adjustments to CET1 due to prudential filters	-256	-246
Intangible assets (including Goodwill)	-1,428	-1,376
DTAs that rely on future profitability	-93	-53
IRB shortfall of credit risk adjustments	-220	-210
Defined benefit pension fund assets	0	0
Reciprocal cross holdings in CET1	0	0
Excess deduction from ATI items over ATI Capital	-663	0
Deductions related to assets with 1.250% risk weight	0	0
Transitional adjustments	516	334

CET1 Capital Fully Loaded:

CET1 Capital Ratio (Fully Loaded):

Risk Type	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Credit Risk	98,300	101,021
Securitisation and re-securitisation (Banking Book)	196	134
Contributions to default fund of a CCP	0	0
Other credit risk	83,249	82,083
Market Risk (Position, FX, Commodities)	2,847	3,417
Credit Valuation Adjustment	1,252	1,191
Operational Risk	10,755	14,196
Total Risk Exposure Amount	98,300	101,021

P&L Item	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Interest Income	6,783	3,210
Of which Debt Securities Income	1,138	552
Of which Loans and Advances Income	4,417	2,079
Interest Expenses	2,362	1,027
Of which Deposits Expenses	771	314
Of which Debt Securities Issued Expenses	926	441
Net Fee and Commission Income	1,816	860
Gains or Losses on Derecognition	94	157
Gains or Losses on Trading Financial Assets	83	42
Gains or Losses on Fair Value Through Profit or Loss	32	-13
Gains or Losses from Hedge Accounting	-6	31
Exchange Differences	108	54
Net Other Operating Income/(Expenses)	-139	-114
Total Operating Income, Net	6,512	3,250
Administrative Expenses	3,445	1,767
Depreciation	417	205
Provisions or Reversal of Provisions	311	-6
Commitments and Guarantees Given	66	1
Other Provisions	245	-7
Profit or Loss Before Tax from Continuing Operations	1,592	1,309
Profit or Loss After Tax from Continuing Operations	1,233	1,032
Profit or Loss After Tax from Discontinued Operations	0	0
Profit or Loss for the Year	1,233	1,032
Of which Attributable to Owners of the Parent	933	872

Risk Exposure Type	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Central Governments or Central Banks	7,486	7,290
Regional Governments or Local Authorities	3,302	3,654
Public Sector Entities	2,560	2,697
Corporates	3,723	3,531
Of which: SME	593	617
Retail	382	397
Of which: SME	231	244
Secured by Mortgages on Immovable Property	419	402
Of which: SME	157	136
Exposures in Default	79	69
Items with Particularly High Risk	10	11
Covered Bonds	0	0
Collective Investments Undertakings (CIU)	67	63
Equity	624	538
Other Exposures	1,030	1,008
Standardised Total	72,278	73,210

Risk Exposure Type	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Central Governments or Central Banks	11,068	12,844
Regional Governments or Local Authorities	1	1
Public Sector Entities	5	199
Corporates	629	686
Of which: SME	135	131
Retail	347	346
Of which: SME	181	177
Secured by Mortgages on Immovable Property	242	237
Of which: SME	162	154
Exposures in Default	69	103
Items with Particularly High Risk	0	0
Covered Bonds	0	18
Collective Investments Undertakings (CIU)	18	17
Equity	50	51
Other Exposures	60	56
Standardised Total	68,471	69,028

Risk Exposure Type	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Central Governments or Central Banks	5,380	5,564
Regional Governments or Local Authorities	242	216
Public Sector Entities	7	3
Corporates	324	302
Of which: SME	63	49
Retail	19	20
Of which: SME	2	2
Secured by Mortgages on Immovable Property	18	14
Of which: SME	15	12
Exposures in Default	55	86
Items with Particularly High Risk	0	0
Covered Bonds	0	0
Collective Investments Undertakings (CIU)	0	0
Equity	0	0
Other Exposures	60	56
Standardised Total	5,380	5,529

The Total Risk Exposure Amount increased from 98,300 EUR to 101,021 EUR, primarily driven by increases in operational risk and other operating income/loss.
CET1 Capital increased from 12,136 EUR to 13,408 EUR, reflecting growth in retained earnings and adjustments.
The CET1 Capital Ratio rose from 12.35% to 13.27% for the transitional period, indicating improved capital adequacy.
Market Risk also increased slightly from 1,281 EUR to 1,359 EUR, with the highest exposure in traded debt instruments.
Credit Risk was the largest component, with a standardised total of 72,278 EUR as of 31/12/2015 and 73,210 EUR as of 30/06/2016.
The report includes data for multiple countries, including Austria, the Czech Republic, and Slovakia, highlighting the breakdown of risk exposures by category and entity type.

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