EBA欧洲银行-NO_7V6Z97IO7R1SEAO84Q32_TR_2017_12页_733kb

报告摘要

Own Funds: Decreased from 1,891 mln EUR (31/12/2016) to 1,844 mln EUR (30/08/2017)
Common Equity Tier 1 (CET1): Decreased from 1,456 mln EUR to 1,442 mln EUR
- CET1 Capital Instruments: Decreased from 384 mln EUR to 364 mln EUR
- Retained Earnings: Decreased from 1,164 mln EUR to 1,152 mln EUR
- Accumulated Other Comprehensive Income: Slight decrease from -4 mln EUR to -3 mln EUR
- Other Reserves: Decreased from 39 mln EUR to 27 mln EUR
- Funds for General Banking Risk: No change at 0 mln EUR
- Minority Interest in CET1: Increased slightly from 24 mln EUR to 25 mln EUR
- Adjustments to CET1 due to prudential filters: Decreased from -5 mln EUR to -4 mln EUR
- Intangible Assets (including Goodwill): Decreased from -66 mln EUR to -77 mln EUR
- DTAs based on future profitability: Decreased from -15 mln EUR to -14 mln EUR
- IRB shortfall of credit risk adjustments: No change at -27 mln EUR
- Defined Benefit Pension Fund Assets: No change at 0 mln EUR
- Reciprocal Cross Holdings: No change at 0 mln EUR
- Excess Deduction from ATI items over ATI Capital: No change at 0 mln EUR
- Deductions related to assets with 1.250% risk weight: No change at 0 mln EUR
- CET1 from securitisation positions: No change at 0 mln EUR
- Holdings of CET1 instruments with significant investment: Increased from -37 mln EUR to 0 mln EUR
- Transitional adjustments: No change at 0 mln EUR

Credit Risk: Decreased from 8,146 mln EUR to 7,926 mln EUR
Market Risk:
- Risk exposure amount: Decreased from 57 mln EUR to 46 mln EUR
- VaR (Memorandum item): No significant changes reported
- Stressed VaR (Memorandum item): No significant changes reported
- Incremental Default and Migration Risk Capital Charge: No significant changes reported
- All Price Risks Capital Charge for CTP: No significant changes reported

Net Operating Income: Decreased from 456 mln EUR to 226 mln EUR
- Interest Income: Decreased from 560 mln EUR to 283 mln EUR
- Interest Expenses: Decreased from 297 mln EUR to 145 mln EUR
- Net Fee and Commission Income: Decreased from 99 mln EUR to 46 mln EUR
- Gains/Losses on Derecognition: Decreased from 8 mln EUR to 1 mln EUR
- Gains/Losses on Financial Assets Held for Trading: Decreased from 30 mln EUR to 3 mln EUR
- Gains/Losses on Financial Assets Designated at Fair Value through Profit or Loss: Increased from -5 mln EUR to 7 mln EUR
- Gains/Losses from Hedge Accounting: Decreased from 0 mln EUR to -6 mln EUR
- Exchange Differences: Decreased from 6 mln EUR to 2 mln EUR
- Net Other Operating Income/(Expenses): Decreased from 46 mln EUR to 34 mln EUR

Profit or Loss Before Tax from Continuing Operations: Decreased from 220 mln EUR to 102 mln EUR
Profit or Loss After Tax from Continuing Operations: Decreased from 180 mln EUR to 79 mln EUR
Profit or Loss for the Year: Decreased from 180 mln EUR to 79 mln EUR

Standardised Total: Decreased from 7,117 mln EUR to 8,140 mln EUR
- Original Exposure: Increased from 7,117 mln EUR to 8,140 mln EUR
- Exposure Value: Increased from 6,047 mln EUR to 6,599 mln EUR
- Risk Exposure Amount: Increased from 2,433 mln EUR to 2,531 mln EUR
- Value Adjustments and Provisions: Increased from 3 mln EUR to 6 mln EUR

Central Governments or Central Banks: Decreased from 510 mln EUR to 791 mln EUR
Regional Governments or Local Authorities: Decreased from 33 mln EUR to 18 mln EUR
Public Sector Entities: Decreased from 5 mln EUR to 1 mln EUR
Multilateral Development Banks: No change at 0 mln EUR
International Organisations: No change at 0 mln EUR
Institutions: Decreased from 2,800 mln EUR to 3,237 mln EUR
Corporates: Decreased from 402 mln EUR to 272 mln EUR
- SME: Decreased from 43 mln EUR to 34 mln EUR
Retail: Increased from 345 mln EUR to 962 mln EUR
- Secured by Mortgages on Immovable Property: Decreased from 687 mln EUR to 647 mln EUR
- Secured on Real Estate Property - SME: No change at 0 mln EUR
- Secured on Real Estate Property - Non-SME: Decreased from 10,557 mln EUR to 10,321 mln EUR
- Qualifying Revolving: No change at 0 mln EUR
- Other Retail: Increased from 285 mln EUR to 285 mln EUR
  - SME: Decreased from 51 mln EUR to 48 mln EUR
  - Non-SME: Increased from 234 mln EUR to 237 mln EUR
Equity: Decreased from 241 mln EUR to 226 mln EUR
Securitisation: No change at 0 mln EUR
Other Exposures: Decreased from 305 mln EUR to 280 mln EUR

Held for Trading: Increased from 15.8 mln EUR to 14.2 mln EUR
Designated at Fair Value through Profit or Loss: Increased from 395.4 mln EUR to 586.6 mln EUR
Available-for-Sale: Increased from 395.4 mln EUR to 586.6 mln EUR
Loans and Receivables: Increased from 15.8 mln EUR to 14.2 mln EUR

LEI Code: 7V6Z97IO7R1SEAO84Q32
Country Code: NO (Norway)
Regulatory Framework: Based on the Capital Requirements Regulation (CRR) and Delegated Regulations
Core Capital: Shows a slight decrease over the period, with some components increasing or decreasing based on specific adjustments
Capital Ratios: CET1 ratio slightly increased, while Tier 1 and Total capital ratios slightly decreased
Risk Exposure: Credit risk decreased, while market risk slightly decreased
P&L: Operating income and profit significantly decreased, reflecting a challenging period
Sovereign Exposure: Increased from 411.3 mln EUR to 600.8 mln EUR, indicating a rise in exposures to general governments