2017 EU-wide Transparency Exercise Summary - Bankinter SA
Core Content Overview
This document provides detailed financial transparency data for Bankinter SA as part of the 2017 EU-wide Transparency Exercise. It includes information on own funds, leverage ratios, risk exposure amounts, capital ratios, P&L (Profit and Loss), market risk, credit risk, and sovereign exposure.
Key Financial Metrics
Own Funds (Transitional Period)
| Category |
As of 31/12/2016 (EUR) |
As of 30/06/2017 (EUR) |
| Own Funds |
3,872 |
4,467 |
| CET1 Capital |
3,622 |
3,644 |
| Additional Tier 1 Capital |
46 |
120 |
| Tier 2 Capital |
203 |
702 |
| Total Risk Exposure Amount |
30,764 |
31,406 |
- CET1 Capital increased from 3,622 million EUR to 3,644 million EUR.
- Tier 2 Capital rose from 203 million EUR to 702 million EUR.
- Total Risk Exposure Amount increased from 30,764 million EUR to 31,406 million EUR.
Capital Ratios (Transitional Period)
| Ratio |
As of 31/12/2016 (%) |
As of 30/06/2017 (%) |
| CET1 Capital Ratio |
11.15% |
11.29% |
| Tier 1 Capital Ratio |
11.92% |
11.99% |
| Total Capital Ratio |
12.59% |
14.22% |
- CET1 Capital Ratio slightly increased from 11.15% to 11.29%.
- Tier 1 Capital Ratio rose from 11.92% to 11.99%.
- Total Capital Ratio increased from 12.59% to 14.22%, indicating a stronger capital position.
Leverage Ratio
| Definition |
As of 31/12/2016 (%) |
As of 30/06/2017 (%) |
| Tier 1 Capital (Transitional) |
5.4% |
5.2% |
| Tier 1 Capital (Fully Phased-in) |
5.3% |
5.2% |
- The leverage ratio decreased slightly from 5.4% to 5.2% using the transitional definition.
- Using the fully phased-in definition, the ratio also decreased from 5.3% to 5.2%.
Risk Exposure Amounts
| Risk Type |
As of 31/12/2016 (EUR) |
As of 30/06/2017 (EUR) |
| Credit Risk |
28,205 |
28,867 |
| Securitisation |
351 |
349 |
| Market Risk |
286 |
265 |
- Credit Risk increased from 28,205 million EUR to 28,867 million EUR.
- Securitisation exposure remained relatively stable.
- Market Risk decreased from 286 million EUR to 265 million EUR.
P&L (Profit and Loss)
| Item |
As of 31/12/2016 (EUR) |
As of 30/06/2017 (EUR) |
| Interest Income |
1,297 |
669 |
| Interest Expenses |
347 |
153 |
| Net Operating Income |
1,339 |
726 |
| Profit or Loss Before Tax |
652 |
316 |
| Profit or Loss After Tax |
490 |
241 |
- Net Operating Income decreased from 1,339 million EUR to 726 million EUR.
- Profit Before Tax dropped significantly from 652 million EUR to 316 million EUR.
- Profit After Tax also decreased from 490 million EUR to 241 million EUR, indicating a decline in profitability.
Market Risk
| Category |
As of 31/12/2016 (EUR) |
As of 30/06/2017 (EUR) |
| Traded Debt Instruments |
270 |
229 |
| Equities |
16 |
37 |
| Total Market Risk Exposure |
286 |
265 |
- Market Risk Exposure decreased from 286 million EUR to 265 million EUR.
- Equity exposure increased from 16 million EUR to 37 million EUR.
Credit Risk - Standardised Approach
| Category |
As of 31/12/2016 (EUR) |
As of 30/06/2017 (EUR) |
| Total Risk Exposure Amount |
55,033 |
59,912 |
| Risk Exposure Amount (Defaulted) |
21,424 |
21,907 |
- Total Credit Risk Exposure increased from 55,033 million EUR to 59,912 million EUR.
- Defaulted Exposure rose from 21,424 million EUR to 21,907 million EUR.
Credit Risk - IRB Approach
| Category |
As of 31/12/2016 (EUR) |
As of 30/06/2017 (EUR) |
| Total Risk Exposure Amount |
6,780 |
6,959 |
| Risk Exposure Amount (Defaulted) |
6,780 |
6,959 |
- Total Credit Risk Exposure increased from 6,780 million EUR to 6,959 million EUR.
- Defaulted Exposure rose from 6,780 million EUR to 6,959 million EUR.
Sovereign Exposure
| Category |
As of 31/12/2016 (EUR) |
As of 30/06/2017 (EUR) |
| Total Sovereign Exposure |
7,156.2 |
7,816.1 |
- Sovereign Exposure increased from 7,156.2 million EUR to 7,816.1 million EUR.
Main Points
- Capital Structure: Bankinter SA showed an increase in own funds and capital ratios, suggesting a stronger capital position.
- Leverage Ratio: The leverage ratio decreased slightly, which may indicate a more conservative approach to leverage.
- Risk Exposure: Credit risk exposure increased, while market risk decreased.
- Profitability: There was a significant decline in net operating income and profit after tax, indicating a drop in performance.
- Sovereign Exposure: The bank reported higher sovereign exposure in 2017, which could be due to increased lending or investment in government-related assets.
