EBA欧洲银行-IT_F1T87K3OQ2OV1UORLH26_TR_2018_18页_1mb

报告摘要

2018 EU-wide Transparency Exercise Summary for Banca Carige SpA - Cassa di Risparmio di Genova e Imperia

Core Information

Bank Name: Banca Carige SpA - Cassa di Risparmio di Genova e Imperia
LEI Code: F1T87K3OQ2OV1UORLH26
Country Code: IT

Own Funds (Transitional Period)

Category	2017 (min EUR)	2018 (min EUR)	COREP Code	Regulation
OWN FUNDS	1,932	1,795	C:0.00 (010;010)	Articles 4(118) and 72 of CRR
CET1 Capital	1,902	1,778	C:0.00 (020;010)	Article 50 of CRR
Capital instruments eligible as CET1 Capital	3,459	3,460	C:0.00 (030;010)	Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR
Retained earnings	-1,125	-1,405	C:0.00 (030;010)	Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR
Accumulated other comprehensive income	-142	-115	C:0.00 (018;010)	Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR
Other Reserves	52	52	C:0.00 (000;010)	Articles 4(117) and 26(1) point (e) of CRR
Funds for general banking risk	0	0	C:0.00 (015;010)	Articles 4(112), 26(1) point (f) and 36 (1) point (f) of CRR
Minority interest given recognition in CET1 capital	14	14	C:0.00 (029;010)	Article 84 of CRR
Adjustments to CET1 due to prudential fibers	87	92	C:0.00 (025;010)	Articles 32 to 35 of and 36 (1) point (f) of CRR
Intangible assets (including Goodwill)	-36	-42	C:0.00 (030;010) + C 0.00 (040;010)	Articles 4(113), 36(1) point (b) and 37 of CRR. Articles 4(115), 36(1) point (b) and 37 point (a) of CRR
TFAs that rely on future profitability and do not arise from temporary differences net of associated DTIs	-500	-598	C:0.00 (037;010)	Articles 36(1) point (c) and 38 of CRR
IRB shortfall of credit risk adjustments to expected losses	0	0	C:0.00 (038;010)	Articles 36(1) point (b), 40 and 159 of CRR
Defined benefit pension fund assets	0	0	C:0.00 (039;010)	Articles 4(109), 36(1) point (a) and 41 of CRR
Reciprocal cross holdings in CET1 Capital	0	0	C:0.00 (043;010)	Articles 4(122), 36(1) point (g) and 44 of CRR
Excess deduction from AT1 items over AT1 Capital	0	0	C:0.00 (046;010)	Article 36(1) point (g) of CRR
Deductions related to assets which can alternatively be subject to a 1.250% risk weight	0	0	C:0.00 (045;010) + C 0.00 (046;010), C:0.00 (047;010), and C:0.00 (048;010)	Articles 4(36), 36(1) point (b) and 89 to 91 of CRR. Articles 36(1) point (b), 74(3)1 point (b), 34(1) point (b) and 258 of CRR. Articles 36(1) point (b), 43, 45, 47, 48(1) point (b); 49(3) to (3) and 75(4) of CRR
Holdings of CET1 capital instruments of financial sector entities where the institution does not have a significant investment	0	0	C:0.00 (046;010)	Articles 36(1) point (b), 24(3)1 point (b), 24(4)1 point (b) and 258 of CRR
Deductible DTAs that rely on future profitability and arise from temporary differences	0	0	C:0.00 (049;010)	Articles 36(1) point (c) and 38; Articles 48(1) point (a) and 48(2) of CRR
Holdings of CET1 capital instruments of financial sector entities where the institution has a significant investment	0	0	C:0.00 (050;010)	Articles 4(27); 36(1) point (b); 43, 45, 47; 48(1) point (b); 49(3) to (3) and 79 of CRR
Amount exceeding the 17.65% threshold	0	0	C:0.00 (051;010)	Article 48 of CRR
Additional deductions of CET1 Capital due to Article 3 CRR	0	0	C:0.00 (054;010)	Article 3 CRR
CET1 capital elements or deductions - other	-14	-13	C:0.00 (059;010)	-
Transitional adjustments	106	333	GAI (1.1.6 + 1.1.8 + 1.1.1.26)	-
Transitional adjustments due to grandfathered CET1 Capital instruments	0	0	C:0.00 (0226;010)	Articles 48(3)1 point (3), and 494 to 487 of CRR
Transitional adjustments due to additional minority interests	2	0	C:0.00 (046;010)	Articles 479 and 480 of CRR
Other transitional adjustments to CET1 Capital	104	333	C:0.00 (0528;010)	Articles 469 to 472, 478 and 481 of CRR

Capital Ratios (Transitional Period)

Category	2017 (%)	2018 (%)
COMMON EQUITY TIER 1 CAPITAL RATIO	12.41%	11.87%
TIER 1 CAPITAL RATIO	12.42%	11.89%
TOTAL CAPITAL RATIO	12.60%	11.99%

Own Funds Requirements

Category	2017 (min EUR)	2018 (min EUR)
TOTAL RISK EXPOSURE AMOUNT	15,330	14,976
Of which: Transitional adjustments included	0	581

Leverage Ratio

Category	2017 (mln EUR)	2018 (mln EUR)
Tier 1 capital - transitional definition	1,904	1,780
Tier 1 capital - fully phased-in definition	1,796	1,447
Total leverage ratio exposures - using a transitional definition of Tier 1 capital	25,549	25,062
Total leverage ratio exposures - using a fully phased-in definition of Tier 1 capital	25,445	25,062
Leverage ratio - using a transitional definition of Tier 1 capital	7.5%	7.1%
Leverage ratio - using a fully phased-in definition of Tier 1 capital	7.1%	5.8%

Profit and Loss (P&L)

Category	2017 (mln EUR)	2018 (mln EUR)
Interest income	464	200
Of which debt securities income	13	5
Of which loans and advances income	447	203
Interest expenses	232	92
Of which deposits expenses	41	20
Of which debt securities issued expenses	123	48
Net Fee and commission income	239	120
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	-19	16
Gains or (-) losses on financial assets and liabilities held for trading, net	-13	-2
Gains or (-) losses on financial assets and liabilities at fair value through profit or loss, net	-1	-5
Gains or (-) losses from hedge accounting, net	0	1
Exchange differences [gain or (-) loss], net	16	3
Net other operating income/(expenses)	74	32
TOTAL OPERATING INCOME, NET	539	284
Administrative expenses	623	265
Depreciation	36	9
Modification gains or (-) losses, net	n.a.	-1
(Provisions or (-) reversal of provisions)	20	27
(Commitments and guarantees given)	-4	0
(Other provisions)	24	27
Of which pending legal issues and tax litigation	4	-
Of which restructuring	54	-
(Increases or (-) decreases of the fund for general banking risks, net)	0	0
(Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss)	443	40
(Financial assets at fair value through other comprehensive income)	n.a.	0
(Financial assets at amortised cost)	n.a.	40
(Impairment or (-) reversal of impairment of investments in subsidiaries, joint ventures and associates and on non-financial assets)	15	0
(of which Goodwill)	0	0
Negative goodwill recognised in profit or loss	0	0
Share of the profit or (-) loss of investments in subsidiaries, joint ventures and associates	10	4
Profit or (-) loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations	0	0
PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS	-589	-54
PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS	-419	-35
Profit or (-) loss after tax from discontinued operations	26	15
PROFIT OR (-) LOSS FOR THE YEAR	-393	-20
Of which attributable to owners of the parent	-388	-21

Risk Exposure Amounts

Category	2017 (min EUR)	2018 (min EUR)
Risk exposure amounts for credit risk	14,292	13,935
Risk exposure amount for securitisation and re-securitisations in the banking book	67	69
Risk exposure amount for contributions to the default fund of a CCP	0	0
Risk exposure amount Other credit risk	14,224	13,866
Risk exposure amount for position, foreign exchange and commodities (Market risk)	2	3
Total Risk Exposure Amount	15,330	14,976

Market Risk

Category	2017 (min EUR)	2018 (min EUR)
Trade Debt Instruments	2	3
Of which: General risk	2	3
Of which: Specific risk	0	0
Equities	0	0
Commodities risk	0	0
Total	2	3

Credit Risk - IRB Approach

Category	2017 (min EUR)	2018 (min EUR)
IRB Total	0	0

Sovereign Exposure

Category	2017 (min EUR)	2018 (min EUR)
Financial assets: Carrying Amount	0	0

Key Notes

The fully loaded CET1 capital ratio is calculated using the formula stated in the "COBFP CODE" column and may differ from ratios published by the bank in Pillar 3 disclosures.
Original exposure is reported before applying credit conversion factors or credit risk mitigation techniques.

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