EBA欧洲银行-DE_5299007S3UH5RKUYDA52_TR_2018_14页_1mb

2018 EU-wide Transparency Exercise Summary

Core Information

• Bank Name: Deutsche Apotheker- und Ärztebank eG
• LEI Code: 5299007S3UH5RKUYDA52
• Country Code: DE

This bank does not report FINREP data on a consolidated level, and only COREP templates are published.

Capital Structure and Ratios (Transitional Period)

Capital Ratios (Transitional Period)

• C.1: Common Equity Tier 1 Capital Ratio = 19.45% (31/12/2017) to 18.67% (30/06/2018)
• C.2: Tier 1 Capital Ratio = 19.45% (31/12/2017) to 18.67% (30/06/2018)
• C.3: Total Capital Ratio = 21.83% (31/12/2017) to 20.55% (30/06/2018)

Capital Ratios (Fully Loaded)

• D: Common Equity Tier 1 Capital (Fully loaded) = 2,253 (31/12/2017) to 2,332 (30/06/2018)
• E: Common Equity Tier 1 Capital Ratio (Fully loaded) = 19.45% (31/12/2017) to 18.67% (30/06/2018)

Risk Exposure Amounts

Risk Exposure by Country (General Governments)

Summary of Key Information

• The bank does not report FINREP data on a consolidated level, only COREP templates.
• Capital composition shows a gradual increase in CET1 capital from 2,254 mIn EUR (31/12/2017) to 2,332 mIn EUR (30/06/2018).
• Capital ratios for the transitional period show a decline in Common Equity Tier 1 and Tier 1 capital ratios from 19.45% to 18.67%.
• The Total Risk Exposure Amount increased from 11,584 mIn EUR to 12,492 mIn EUR.
• The Risk Exposure Amount for credit risk rose from 10,358 mIn EUR to 11,292 mIn EUR.
• Market risk and securitisation risk are reported as zero.
• Operational risk decreased slightly from 1,197 mIn EUR to 1,162 mIn EUR.
• Risk exposure by country includes Austria and Denmark, but no data is provided for other countries.
• The IRB Approach for credit risk shows a total exposure amount of 9,558 mIn EUR (31/12/2017) to 10,433 mIn EUR (30/06/2018).
• The Standardised Approach for credit risk shows a total exposure amount of 6,649 mIn EUR (31/12/2017) to 7,563 mIn EUR (30/06/2018).

Key Points

• The bank's capital structure is primarily composed of Common Equity Tier 1 (CET1), with minimal Additional Tier 1 (AT1) and Tier 2 (T2) capital.
• Transitional adjustments are applied to CET1 capital, reflecting regulatory changes and adjustments.
• The Total Risk Exposure Amount increased over the year, indicating higher exposure to credit risk.
• The leverage ratio remained relatively stable, with a slight decrease from 5.2% to 5.0%.
• IFRS 9 transitional arrangements had no impact on the reported capital components or risk exposures.