Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR
Retained Earnings
83
0
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
56
-5
C 0.00 (018,010)
Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR
Other Reserves
180
264
C 0.00 (200,010)
Articles 4(117) and 26(1) point (e) of CRR
Minority Interest in CET1
2
2
C 0.00 (020,010)
Article 84 of CRR
Transitional Adjustments
-53
-6
CA1 (1.1.1.6 + 1.1.1.8 + 1.1.1.26)
-
Capital Ratios - Transitional Period
CET1 Capital Ratio: 13.14% (31/12/2015) → 13.04% (30/06/2016)
Tier 1 Capital Ratio: 13.14% (31/12/2015) → 13.04% (30/06/2016)
Total Capital Ratio: 15.15% (31/12/2015) → 14.52% (30/06/2016)
CET1 Capital Fully Loaded
CET1 Capital (Fully Loaded): 2,088 (31/12/2015) → 2,006 (30/06/2016)
CET1 Capital Ratio (Fully Loaded): 13.49% (31/12/2015) → 13.08% (30/06/2016)
Risk Exposure Amounts
Risk Type
As of 31/12/2015
As of 30/06/2016
Credit Risk
15,479
15,335
Securitisation Risk
5
8
Market Risk
14
8
Operational Risk
1,415
1,415
Total Risk Exposure Amount
15,479
15,335
Profit and Loss (P&L)
Item
As of 31/12/2015
As of 30/06/2016
Interest Income
699
304
Net Fee and Commission Income
263
127
Gains or (-) Losses on Derecognition
89
36
Gains or (-) Losses on Trading Assets
-15
0
Exchange Differences
2
0
Profit or (-) Loss Before Tax
35
3
Profit or (-) Loss After Tax
118
19
Profit or (-) Loss for the Year
118
19
Credit Risk - Standardised Approach
Category
As of 31/12/2015
As of 30/06/2016
Standardised Total
38,871
39,261
Risk Exposure Amount
14,021
13,885
Value Adjustments and Provisions
2,387
2,174
Credit Risk - IRB Approach
Category
As of 31/12/2015
As of 30/06/2016
IRB Total
0
0
Risk Exposure Amount
0
0
Value Adjustments and Provisions
0
0
Sovereign Exposure
Category
As of 31/12/2015
As of 30/06/2016
Total Sovereign Exposure (All Countries)
5,127.3
5,636.1
Carrying Amount (Financial Assets):
5,038.3
5,523.9
Breakdown by Accounting Portfolio:
Held for Trading | 89.0 | 112.2
Designated at Fair Value through Profit or Loss | 14.0 | 13.2
Available-for-sale | 0.0 | 0.0
Loans and Receivables | 5,024.3 | 5,510.7 |
Performing and Non-Performing Exposures
Category
As of 31/12/2015
As of 30/06/2016
Debt Securities
5,159
5,678
Non-Performing Exposures
0
0
Impairment on Non-Performing Exposures
0
0
Collateral and Financial Guarantees on Non-Performing Exposures
2
2
Key Observations
Capital Trends: CET1 capital decreased from 2,034 mln EUR (31/12/2015) to 1,999 mln EUR (30/06/2016), while total risk exposure decreased from 15,479 mln EUR to 15,335 mln EUR.
Capital Ratios: The CET1 capital ratio dropped slightly from 13.14% to 13.04%, and the total capital ratio fell from 15.15% to 14.52%.
Risk Exposure: The bank's total risk exposure decreased, with a significant drop in credit risk exposure and a small increase in securitisation risk.
Sovereign Exposure: Increased from 5,127.3 mln EUR (31/12/2015) to 5,636.1 mln EUR (30/06/2016), with a notable increase in carrying amount.
P&L: The bank reported a significant decline in net income, with profit before tax dropping from 35 mln EUR to 3 mln EUR and profit after tax from 118 mln EUR to 19 mln EUR.
