EBA欧洲银行-DE_529900USFSZYPS075O24_TR_2015_23页_3mb

报告摘要

Capital instruments eligible as CET1 Capital: 441 (both periods)
Retained earnings: 2,113 (31/12/2014) to 2,710 (30/06/2015)
Accumulated other comprehensive income: -420 (31/12/2014) to -435 (30/06/2015)
Other Reserves: 8,306 (31/12/2014) to 9,615 (30/06/2015)
Adjustments to CET1 due to prudential filters: -11 (31/12/2014) to +7 (30/06/2015)
Intangible assets (including Goodwill): -301 (31/12/2014) to -265 (30/06/2015)
Deductible DTAs: -5 (both periods)
Defined benefit pension fund assets: -3 (both periods)
Excess deduction from AT1 items over AT1 Capital: -183 (31/12/2014) to -128 (30/06/2015)
Deductions related to assets with 1.250% risk weight: -101 (31/12/2014) to -78 (30/06/2015)
Transitional adjustments: 399 (31/12/2014) to 274 (30/06/2015)

Risk Exposure Category	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Total Risk Exposure Amount	97,931	102,643
Credit Risk	86,416	90,353
Securitisation and Re-securitisation	112	67
Foreign Exchange and Commodities (Market Risk)	4,725	5,491

P&L Component	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Interest Income	5,116	2,647
Interest Expenses	2,491	1,266
Net Fee and Commission Income	125	74
Gains or Losses on Derecognition	115	74
Gains or Losses on Trading	79	-4
Gains or Losses on Fair Value through Profit or Loss	0	0
Gains or Losses from Hedge Accounting	8	-8
Exchange Differences	-96	52
Net Other Operating Income/(Expenses)	3,226	1,827
Total Operating Income, Net	6,083	3,397
Administrative Expenses	1,802	992
Depreciation	2,311	1,311
Provisions or Reversal of Provisions	148	132
Commitments and Guarantees Given	-3	2
Other Provisions	151	130
Profit or Loss Before Tax from Continuing Operations	1,351	633
Profit or Loss After Tax from Continuing Operations	904	438
Profit or Loss for the Year	904	438

Risk Exposure Category	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Original Exposure	3,763	4,875
Exposure Value	4,203	5,331
Risk Exposure Amount	2,936	3,158
Value Adjustments and Provisions	1,892	2,308

Germany:
- Original Exposure: 2,866 (31/12/2014) to 3,532 (30/06/2015)
- Exposure Value: 2,874 (31/12/2014) to 3,988 (30/06/2015)
- Risk Exposure Amount: 1,936 (31/12/2014) to 1,994 (30/06/2015)
- Value Adjustments and Provisions: 828 (31/12/2014) to 858 (30/06/2015)
United Kingdom:
- Original Exposure: 174 (31/12/2014) to 461 (30/06/2015)
- Exposure Value: 174 (31/12/2014) to 461 (30/06/2015)
- Risk Exposure Amount: 8 (31/12/2014) to 16 (30/06/2015)
- Value Adjustments and Provisions: 1,228 (31/12/2014) to 1,548 (30/06/2015)
Brazil:
- Original Exposure: 221 (31/12/2014) to 192 (30/06/2015)
- Exposure Value: 221 (31/12/2014) to 192 (30/06/2015)
- Risk Exposure Amount: 411 (31/12/2014) to 384 (30/06/2015)
- Value Adjustments and Provisions: 213 (31/12/2014) to 223 (30/06/2015)
China:
- Original Exposure: 22 (31/12/2014) to 38 (30/06/2015)
- Exposure Value: 22 (31/12/2014) to 38 (30/06/2015)
- Risk Exposure Amount: 56 (31/12/2014) to 95 (30/06/2015)
- Value Adjustments and Provisions: 1 (31/12/2014) to 2 (30/06/2015)

The Total Risk Exposure Amount increased from 97,931 EUR (31/12/2014) to 102,643 EUR (30/06/2015).
CET1 Capital increased from 10,122 EUR to 12,133 EUR, indicating an improvement in capital adequacy.
The Total Capital Ratio also improved from 10.71% to 12.07%.
The Profit or Loss for the Year decreased from 904 EUR to 438 EUR, reflecting a decline in overall profitability.
The Standardised Approach data shows a breakdown of exposure by category, with Germany, the United Kingdom, Brazil, and China included.

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