EBA欧洲银行-DE_EZKODONU5TYHW4PP1R34_TR_2015_25页_2mb

报告摘要

Component	31/12/2014	30/06/2015
Capital instruments eligible as CET1 Capital	899	899
Retained earnings	1,180	1,404
Accumulated other comprehensive income	-69	-53
Other Reserves	0	0
Funds for general banking risk	0	0
Minority interest given recognition in CET1 capital	0	0
Adjustments to CET1 due to prudential filters	-12	-31
Intangible assets (including Goodwill)	-10	-8
Deductible DTAs that rely on future profitability and arise from temporary differences	-24	-12
IRB shortfall of credit risk adjustments to expected losses	-71	-39
Defined benefit pension fund assets	0	0
Reciprocal cross holdings in CET1 Capital	0	0
Excess deduction from AT1 items over AT1 Capital	0	0
Deductions related to assets which can alternatively be subject to a 1.250% risk weight	0	0

Component	31/12/2014	30/06/2015
Additional Tier 1 Capital instruments (including grandfathered amounts)	638	596
Other additional Tier 1 Capital components and deductions (after transitional adjustments)	-36	-16

Component	31/12/2014	30/06/2015
Tier 2 Capital instruments (including grandfathered amounts)	1,094	1,126
Other Tier 2 Capital components and deductions (after transitional adjustments)	-28	-12

Common Equity Tier 1 Capital ratio: 13.06% (31/12/2014), 12.49% (30/06/2015)
Tier 1 Capital ratio: 16.94% (31/12/2014), 15.76% (30/06/2015)
Total Capital ratio: 23.82% (31/12/2014), 22.04% (30/06/2015)

Total Risk Exposure Amount: 15,492 mIn EUR (31/12/2014), 17,717 mIn EUR (30/06/2015)

Risk Exposure Type	31/12/2014	30/06/2015
Credit risk	13,689	15,624
Securitisation and re-securitisations in the banking book	119	92
Contributions to the default fund of a CCP	0	0
Other credit risk	13,570	15,531
Market risk (foreign exchange and commodities)	168	178
Credit Valuation Adjustment	329	341
Operational risk	1,307	1,575

Total Operating Income, Net: 754 mln EUR (31/12/2014), 399 mln EUR (30/06/2015)

Item	31/12/2014	30/06/2015
Interest income	1,820	898
Of which debt securities income	300	134
Of which loans and advances income	1,045	527
Interest expenses	1,135	531
Of which deposits expenses	529	240
Of which debt securities issued expenses	187	82
Net Fee and commission income	9	5
Gains or (-) losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, and of non financial assets, net	20	4
Gains or (-) losses on financial assets and liabilities held for trading, net	13	7
Gains or (-) losses from hedge accounting, net	5	8
Exchange differences [gain or (-) loss], net	-9	-10
Net other operating income/(expenses)	28	17

Profit or (-) loss before tax from continuing operations: 439 mln EUR (31/12/2014), 298 mln EUR (30/06/2015)
Profit or (-) loss after tax from continuing operations: 318 mln EUR (31/12/2014), 256 mln EUR (30/06/2015)
Profit or (-) loss for the year: 318 mln EUR (31/12/2014), 256 mln EUR (30/06/2015)
Of which attributable to owners of the parent: 301 mln EUR (31/12/2014), 247 mln EUR (30/06/2015)

Germany:
- Standardised Total: 15,573 mIn EUR (31/12/2014), 16,897 mIn EUR (30/06/2015)
Italy:
- Standardised Total: 1,971 mIn EUR (31/12/2014), 1,455 mIn EUR (30/06/2015)
United States:
- Standardised Total: 0 mIn EUR (31/12/2014), 0 mIn EUR (30/06/2015)
France:
- Standardised Total: 590 mIn EUR (31/12/2014), 553 mIn EUR (30/06/2015)
United Kingdom:
- Standardised Total: Not fully provided in the data

The bank's Total Risk Exposure Amount increased from 15,492 mIn EUR (31/12/2014) to 17,717 mIn EUR (30/06/2015), indicating a rise in overall risk exposure.
CET1 Capital increased from 2,024 mln EUR to 2,212 mln EUR, with a corresponding increase in the Tier 1 Capital and Total Capital ratios.
Profit or (-) loss for the year decreased from 318 mln EUR to 256 mln EUR, suggesting a reduction in net income.
The Standardised Approach data is provided for various countries, with Germany having the highest risk exposure, while the United States and United Kingdom reported zero risk exposure.
Securitisation exposures are not included in the value adjustments and provisions for any of the countries.