EBA欧洲银行-FR_96950001WI712W7PQG45_TR_2015_25页_4mb
报告摘要
2015 EU-wide Transparency Exercise Summary for RCI Banque
Core Information
- Bank Name: RCI Banque (Renault Crédit International Banque)
- LEI Code: 96950001WI712W7PQG45
- Country Code: FR (France)
Capital Structure
Own Funds
- As of 31/12/2014: 2,888 mln EUR
- As of 30/06/2015: 3,083 mln EUR
Common Equity Tier 1 (CET1) Capital
- As of 31/12/2014: 2,826 mln EUR
- As of 30/06/2015: 3,045 mln EUR
- Regulation: Article 50 of CRR
CET1 Components
| Component | 31/12/2014 (mln EUR) | 30/06/2015 (mln EUR) | Regulation |
|---|---|---|---|
| Capital instruments eligible as CET1 Capital | 814 | 814 | Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR |
| Retained earnings | 1,051 | 1,164 | Articles 26(1) point (c), 26(2) and 36(1) points (a) and (f) of CRR |
| Accumulated other comprehensive income | -116 | -64 | Articles 4(100), 26(1) point (d) and 36(1) point (f) of CRR |
| Other Reserves | 1,218 | 1,286 | Articles 4(117) and 26(1) point (e) of CRR |
| Adjustments to CET1 due to prudential filters | 0 | -3 | Articles 32 to 35 and 36(1) point (f) of CRR |
| Intangible assets (including Goodwill) | -94 | -99 | Articles 4(113), 36(1) point (b) and 37 of CRR; Articles 4(115), 36(1) point (b) and 37 point (a) of CCR |
| DTAs that rely on future profitability and do not arise from temporary differences net of associated DTLs | -79 | -62 | Articles 36(1) point (c) and 38 of CRR |
| IRB shortfall of credit risk adjustments to expected losses | -58 | -53 | Articles 36(1) point (d), 40 and 159 of CRR |
| Other CET1 capital elements and deductions | 0 | 0 | - |
| Transitional adjustments | 90 | 61 | - |
| Transitional adjustments due to grandfathered CET1 Capital instruments | 0 | 0 | Articles 483(1) to (3), and 484 to 487 of CRR |
| Transitional adjustments due to additional minority interests | 11 | 7 | Articles 479 and 480 of CRR |
| Other transitional adjustments to CET1 Capital | 79 | 54 | Articles 469 to 472, 478 and 481 of CRR |
Tier 1 Capital
- As of 31/12/2014: 2,826 mln EUR
- As of 30/06/2015: 3,045 mln EUR
- Regulation: Article 25 of CRR
Tier 2 Capital
- As of 31/12/2014: 63 mln EUR
- As of 30/06/2015: 38 mln EUR
- Regulation: Article 71 of CRR
Risk Exposure Amounts
- Total Risk Exposure Amount (as of 31/12/2014): 24,832 mln EUR
- Total Risk Exposure Amount (as of 30/06/2015): 27,073 mln EUR
- Regulation: Articles 92(3), 95, 96 and 98 of CRR
Risk Exposure by Type
- Credit risk: 17,013 mln EUR (31/12/2014), 18,453 mln EUR (30/06/2015)
- Securitisation and re-securitisations in the banking book: 0 mln EUR (both periods)
- Contributions to the default fund of a CCP: 0 mln EUR (both periods)
- Other credit risk: 17,013 mln EUR (31/12/2014), 18,453 mln EUR (30/06/2015)
- Market risk (foreign exchange and commodities): 0 mln EUR (both periods)
- Credit Valuation Adjustment: 111 mln EUR (31/12/2014), 105 mln EUR (30/06/2015)
- Operational risk: 2,037 mln EUR (both periods)
- Other risk exposure amounts: 5,671 mln EUR (31/12/2014), 6,477 mln EUR (30/06/2015)
Profit and Loss (P&L)
Operating Income
- As of 31/12/2014: 1,141 mln EUR
- As of 30/06/2015: 641 mln EUR
Key P&L Components
| Item | 31/12/2014 (mln EUR) | 30/06/2015 (mln EUR) |
|---|---|---|
| Interest income | 1,934 | 967 |
| Interest expenses | 981 | 460 |
| Net Fee and commission income | 12 | 7 |
| Gains or (-) losses on financial assets and liabilities held for trading | 29 | -74 |
| Gains or (-) losses from hedge accounting | 6 | 3 |
| Exchange differences | -38 | 73 |
| Net other operating income/(expenses) | 178 | 127 |
| Total Operating Income, Net | 1,141 | 641 |
Profit or Loss
- Profit or (-) loss before tax from continuing operations: 671 mln EUR (31/12/2014), 410 mln EUR (30/06/2015)
- Profit or (-) loss after tax from continuing operations: 456 mln EUR (31/12/2014), 262 mln EUR (30/06/2015)
- Profit or (-) loss for the year: 456 mln EUR (31/12/2014), 262 mln EUR (30/06/2015)
- Of which attributable to owners of the parent: 421 mln EUR (31/12/2014), 246 mln EUR (30/06/2015)
Capital Ratios
- Common Equity Tier 1 Capital Ratio: 11.38% (31/12/2014), 11.25% (30/06/2015)
- Tier 1 Capital Ratio: 11.38% (31/12/2014), 11.25% (30/06/2015)
- Total Capital Ratio: 11.63% (31/12/2014), 11.39% (30/06/2015)
Additional Information
- Risk exposure amounts for credit risk are reported before considering credit conversion factors or credit risk mitigation techniques.
- The Standardised Approach is used for calculating risk exposure amounts.
- Securitisation exposures are excluded from value adjustments and provisions per country of counterparty.
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