EBA欧洲银行-IT_5493006P8PDBI8LC0O96_TR_2015_21页_1mb

报告摘要

2015 EU-wide Transparency Exercise Summary - Banco Popolare Società Cooperativa

Core Information

Bank Name: Banco Popolare Società Cooperativa
LEI Code: 5493006P8PDBI8LC0O96
Country Code: IT (Italy)

Capital Structure

Common Equity Tier 1 (CET1) Capital

As of 31/12/2014: 5,694 mln EUR
As of 30/06/2015: 5,889 mln EUR
CET1 Capital Ratio (as of 31/12/2014): 11.87%
CET1 Capital Ratio (as of 30/06/2015): 12.25%

Additional Tier 1 (AT1) Capital

As of 31/12/2014: 188 mln EUR
As of 30/06/2015: 0 mln EUR

Tier 1 Capital

As of 31/12/2014: 5,882 mln EUR
As of 30/06/2015: 5,889 mln EUR
Tier 1 Capital Ratio (as of 31/12/2014): 12.26%
Tier 1 Capital Ratio (as of 30/06/2015): 12.25%

Tier 2 Capital

As of 31/12/2014: 1,135 mln EUR
As of 30/06/2015: 944 mln EUR
Tier 2 Capital Ratio: 14.62% (as of 31/12/2014), 14.21% (as of 30/06/2015)

Total Capital

As of 31/12/2014: 14.62%
As of 30/06/2015: 14.21%

Key Capital Elements

Capital Element	31/12/2014 (mln EUR)	30/06/2015 (mln EUR)	COREP Code	Regulation
Own Funds	7,017	6,833	CA1 (1)	Articles 4(118) and 72
CET1 Capital	5,694	5,889	CA1 (1.1.1)	Article 50
Capital Instruments Eligible as CET1	7,562	6,091	CA1 (1.1.1.1)	Articles 26(1) (a) and (b), 27 to 29, 36(1) (f), 42
Retained Earnings	-1,940	290	CA1 (1.1.1.2)	Articles 26(1) (c), 26(2), 36(1) (a) and (f)
Accumulated Other Comprehensive Income	1,372	278	CA1 (1.1.1.3)	Articles 4(100), 26(1) (d), 36(1) (f)
Other Reserves	1,018	1,702	CA1 (1.1.1.4)	Articles 4(117), 26(1) (e)
Adjustments to CET1	-33	-18	CA1 (1.1.1.9)	Articles 32 to 35, 36(1) (f)
Intangible Assets	-1,891	-1,891	CA1 (1.1.1.10 + 1.1.1.11)	Articles 4(113), 36(1) (b), 37; 4(115), 36(1) (b), 37 (a)
Defined Benefit Pension Fund Assets	0	0	CA1 (1.1.1.14)	Articles 4(109), 36(1) (e), 41
Reciprocal Cross Holdings	0	0	CA1 (1.1.1.15)	Articles 4(122), 36(1) (g), 44
Excess Deduction from AT1 Items	0	-54	CA1 (1.1.1.16)	Article 36(1) (j)
Deductible DTAs	0	-24	CA1 (1.1.1.12)	Articles 36(1) (c), 38
IRB Shortfall of Credit Risk Adjustments	0	0	CA1 (1.1.1.13)	Articles 36(1) (d), 40, 159
Other Deductions	0	0	CA1 (1.1.1.17-1.1.1.21)	Articles 4(36), 36(1) (k) (i), 89-91; 36(1) (l) (ii), 24(3) (b), 244(1) (b), 258; 36(1) (k) (iii), 379(3); 36(1) (k) (iv), 153(8); 36(1) (k) (v), 155(4)
Transitional Adjustments	268	531	CA1 (1.1.1.6, 1.1.1.8, 1.1.1.26)	Articles 469-472, 478, 481
Transitional Adjustments due to Grandfathered CET1 Instruments	0	0	CA1 (1.1.1.6)	Articles 483(1)-(3), 484-487
Transitional Adjustments due to Additional Minority Interests	8	38	CA1 (1.1.1.8)	Articles 479, 480
Other Transitional Adjustments to CET1	260	493	CA1 (1.1.1.26)	Articles 469-472, 478, 481

Risk Exposure Amounts

Total Risk Exposure Amount (as of 31/12/2014): 47,987 mln EUR
Total Risk Exposure Amount (as of 30/06/2015): 48,080 mln EUR

Credit Risk

Credit Risk (as of 31/12/2014): 40,547 mln EUR
Credit Risk (as of 30/06/2015): 40,022 mln EUR

Market Risk

Market Risk (as of 31/12/2014): 2,000 mln EUR
Market Risk (as of 30/06/2015): 3,059 mln EUR

Operational Risk

Operational Risk (as of 31/12/2014): 4,981 mln EUR
Operational Risk (as of 30/06/2015): 4,639 mln EUR

Securitisation Risk

Securitisation Risk (as of 31/12/2014): 205 mln EUR
Securitisation Risk (as of 30/06/2015): 176 mln EUR

Profit and Loss (P&L)

Total Operating Income, Net (as of 31/12/2014): 3,444 mln EUR
Total Operating Income, Net (as of 30/06/2015): 1,869 mln EUR

Income Components

Interest Income: 3,256 mln EUR (31/12/2014), 1,448 mln EUR (30/06/2015)
Dividend Income: 35 mln EUR (31/12/2014), 24 mln EUR (30/06/2015)
Net Fee and Commission Income: 1,395 mln EUR (31/12/2014), 774 mln EUR (30/06/2015)
Gains/Losses on Derecognition: 42 mln EUR (31/12/2014), 78 mln EUR (30/06/2015)
Gains/Losses on Trading Assets: 177 mln EUR (31/12/2014), 0 mln EUR (30/06/2015)
Gains/Losses on FVO Assets: -43 mln EUR (31/12/2014), 70 mln EUR (30/06/2015)
Exchange Differences: -41 mln EUR (31/12/2014), -15 mln EUR (30/06/2015)
Net Other Operating Income/Expenses: 324 mln EUR (31/12/2014), 146 mln EUR (30/06/2015)

Expense Components

Administrative Expenses: 2,259 mln EUR (31/12/2014), 1,109 mln EUR (30/06/2015)
Depreciation: 139 mln EUR (31/12/2014), 64 mln EUR (30/06/2015)
Provisions/Reversal of Provisions: 109 mln EUR (31/12/2014), 30 mln EUR (30/06/2015)
Commitments and Guarantees Given: 71 mln EUR (31/12/2014), -20 mln EUR (30/06/2015)
Other Provisions: 38 mln EUR (31/12/2014), 50 mln EUR (30/06/2015)
Impairment/Reversal of Impairment: 3,516 mln EUR (31/12/2014), 440 mln EUR (30/06/2015)
Loans and Advances Impairment: 3,476 mln EUR (31/12/2014), 429 mln EUR (30/06/2015)
Held to Maturity Investments Impairment: 40 mln EUR (31/12/2014), 12 mln EUR (30/06/2015)
Profit or Loss Before Tax from Continuing Operations: -2,794 mln EUR (31/12/2014), 288 mln EUR (30/06/2015)
Profit or Loss After Tax from Continuing Operations: -1,979 mln EUR (31/12/2014), 293 mln EUR (30/06/2015)
Profit or Loss from Discontinued Operations: 0 mln EUR (31/12/2014), -8 mln EUR (30/06/2015)
Profit or Loss for the Year: -1,979 mln EUR (31/12/2014), 285 mln EUR (30/06/2015)

Risk Exposure Breakdown

Traded Debt Instruments: 718 mln EUR (31/12/2014), 709 mln EUR (30/06/2015)
Equities: 0 mln EUR (31/12/2014), 0 mln EUR (30/06/2015)
Foreign Exchange Risk: 131 mln EUR (31/12/2014), 43 mln EUR (30/06/2015)
Commodities Risk: 0 mln EUR (31/12/2014), 0 mln EUR (30/06/2015)
Total Risk Exposure Amount: 47,987 mln EUR (31/12/2014), 48,080 mln EUR (30/06/2015)

Credit Risk - Standardised Approach

Standardised Total Risk Exposure (as of 31/12/2014): 74,603 mln EUR
Standardised Total Risk Exposure (as of 30/06/2015): 47,032 mln EUR
Net Direct Positions (as of 31/12/2014): 2 mln EUR
Net Direct Positions (as of 30/06/2015): 0 mln EUR

Credit Risk - IRB Approach

IRB Total Risk Exposure (as of 31/12/2014): 17,069 mln EUR
IRB Total Risk Exposure (as of 30/06/2015): 16,920 mln EUR

Sovereign Exposure

Total Sovereign Exposure (as of 31/12/2014): 0 mln EUR
Total Sovereign Exposure (as of 30/06/2015): 0 mln EUR

Summary of Key Trends

Capital Adequacy: The CET1 capital increased from 5,694 mln EUR to 5,889 mln EUR, while the Tier 1 capital slightly increased, and the Total Capital ratio decreased from 14.62% to 14.21%.
Risk Exposure: The total risk exposure remained relatively stable, increasing slightly from 47,987 mln EUR to 48,080 mln EUR.
Profitability: The bank reported a significant loss in the year ended 31/12/2014 (-1,979 mln EUR), but showed a profit in the first half of 2015 (285 mln EUR).
Credit Risk: The Standardised Approach reported a decrease in risk exposure from 74,603 mln EUR to 47,032 mln EUR, while the IRB Approach also showed a decline from 17,069 mln EUR to 16,920 mln EUR.
Sovereign Exposure: There were no significant sovereign exposures reported in either period.

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