EBA欧洲银行-FI_7437003B5WFBOIEFY714_TR_2016_15页_1mb

报告摘要

2016 EU-wide Transparency Exercise Summary - OP-Pohjola Group

Core Information

Bank Name: OP-Pohjola Group
LEI Code: 7437003B5WFBOIEFY714
Country Code: FI

Own Funds - Transitional Period

Item	Description	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)	COREP CODE	Regulation
A	Own Funds	9,442	9,587	C.01.00 (r010,c010)	Articles 4(118) and 72 of CRR
A.1	CET1 Capital (net of deductions and after transitional adjustments)	8,049	8,251	C.01.00 (r020,c010)	Article 50 of CRR
A.1.1	Capital instruments eligible as CET1 Capital (including share premium and net own capital instruments)	2,689	2,750	C.01.00 (r030,c010)	Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR
A.1.2	Retained earnings	4,524	4,912	C.01.00 (r130,c010)	Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR
A.1.3	Accumulated other comprehensive income	-231	-430	C.01.00 (r180,c010)	Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR
A.1.4	Other Reserves	1,959	2,026	C.01.00 (r200,c010)	Articles 4(117) and 26(1) point (e) of CRR
A.1.5	Funds for general banking risk	0	0	C.01.00 (r210,c010)	Articles 4(112), 26(1) point (f) and 36 (1) point (f) of CRR
A.1.6	Minority interest given recognition in CET1 capital	0	0	C.01.00 (r230,c010)	Article 84 of CRR
A.1.7	Adjustments to CET1 due to prudential filters	-151	-211	C.01.00 (r250,c010)	Articles 32 to 35 of and 36 (1) point (f) of CRR
A.1.8	Intangible assets (including Goodwill)	-517	-559	C.01.00 (r300,c010) + C.01.00 (r340,c010)	Articles 4(113), 36(1) point (b) and 37 of CRR. Articles 4(115), 36(1) point (b) and 37 point (a) of CRR
A.1.9	DTAs that rely on future profitability and do not arise from temporary differences net of associated DTLs	0	0	C.01.00 (r370,c010)	Articles 36(1) point (c) and 38 of CRR
A.1.10	IRB shortfall of credit risk adjustments to expected losses	-306	-302	C.01.00 (r380,c010)	Articles 36(1) point (d), 40 and 159 of CRR
A.1.11	Defined benefit pension fund assets	-48	0	C.01.00 (r390,c010)	Articles 4(109), 36(1) point (e) and 41 of CRR
A.1.12	Reciprocal cross holdings in CET1 Capital	0	0	C.01.00 (r430,c010)	Articles 4(122), 36(1) point (g) and 44 of CRR
A.1.13	Excess deduction from AT1 items over AT1 Capital	0	0	C.01.00 (r440,c010)	Article 36(1) point (d) of CRR
A.1.14	Deductions related to assets which can alternatively be subject to a 1.25% risk weight	0	0	C.01.00 (r450,c010) + C.01.00 (r460,c010) + C.01.00 (r470,c010) + C.01.00 (r471,c010) + C.01.00 (r472,c010)	Articles 4(36), 36(1) point (h) and 89 to 91 of CRR; Articles 36(1) point (k) (i), 243(1) point (l), and 258 of CRR; Articles 36(1) point (k) (iv) and 153(8) of CRR and Articles 36(1) point (k) (v) and 155(4) of CRR
A.1.14.1	Of which: from securitisation positions	0	0	C.01.00 (r460,c010)	Articles 36(1) point (h) (i), 243(1) point (b), 244(1) point (b) and 258 of CRR
A.1.15	Holdings of CET1 capital instruments of financial sector entities where the institution does not have a significant investment	0	0	C.01.00 (r480,c010)	Articles 4(27), 36(1) point (h); 43 to 46, 49 (2) and (3) and 79 of CRR
A.1.16	Deductible DTAs that rely on future profitability and arise from temporary differences	0	0	C.01.00 (r490,c010)	Articles 36(1) point (c) and 38; Articles 48(1) point (a) and 48(2) of CRR
A.1.17	Holdings of CET1 capital instruments of financial sector entities where the institution has a significant investment	0	0	C.01.00 (r500,c010)	Articles 4(27); 36(1) point (i); 43, 45, 47; 48(1) point (b); 49(1) to (3) and 79 of CRR
A.1.18	Amount exceeding the 17.65% threshold	0	0	C.01.00 (r510,c010)	Article 48 of CRR
A.1.19	Additional deductions of CET1 Capital due to Article 3 CRR	0	0	C.01.00 (r524,c010)	Article 3 CRR
A.1.20	CET1 capital elements or deductions - other	0	0	C.01.00 (r529,c010)	-
A.1.21	Transitional adjustments	132	65	CA1 (1.1.1.6 + 1.1.1.8 + 1.1.1.26)	-
A.1.21.1	Transitional adjustments due to grandfathered CET1 Capital instruments	132	65	C.01.00 (r220,c010)	Articles 48(1) to (3), and 484 to 487 of CRR
A.1.21.2	Transitional adjustments due to additional minority interests	0	0	C.01.00 (r240,c010)	Articles 479 and 480 of CRR
A.1.21.3	Other transitional adjustments to CET1 Capital	0	0	C.01.00 (r520,c010)	Articles 469 to 472, 478 and 481 of CRR
A.2	Additional Tier 1 Capital (net of deductions and after transitional adjustments)	141	84	C.01.00 (r530,c010)	Article 61 of CRR
A.2.1	Additional Tier 1 Capital instruments	0	0	C.01.00 (r540,c010) + C.01.00 (r670,c010)	-
A.2.2	Excess deduction from T2 items over T2 capital	0	0	C.01.00 (r720,c010)	-
A.2.3	Other Additional Tier 1 Capital components and deductions	0	0	C.01.00 (r690,c010) + C.01.00 (r700,c010) + C.01.00 (r710,c010) + C.01.00 (r720,c010) + C.01.00 (r744,c010) + C.01.00 (r748,c010) + C.01.00 (r749,c010) + C.01.00 (r748,c010)	-
A.2.4	Additional Tier 1 transitional adjustments	141	84	C.01.00 (r660,c010) + C.01.00 (r680,c010) + C.01.00 (r730,c010)	-
A.3	Tier 1 Capital (net of deductions and after transitional adjustments)	8,190	8,334	C.01.00 (r615,c010)	Article 25 of CRR
A.4	Tier 2 Capital (net of deductions and after transitional adjustments)	1,253	1,252	C.01.00 (r750,c010)	Article 71 of CRR
A.4.1	Tier 2 Capital instruments	1,253	1,252	C.01.00 (r760,c010) + C.01.00 (r890,c010)	-
A.4.2	Other Tier 2 Capital components and deductions	0	0	C.01.00 (r910,c010) + C.01.00 (r920,c010) + C.01.00 (r930,c010) + C.01.00 (r940,c010) + C.01.00 (r950,c010) + C.01.00 (r970,c010) + C.01.00 (r974,c010) + C.01.00 (r978,c010)	-
A.4.3	Tier 2 transitional adjustments	0	0	C.01.00 (r880,c010) + C.01.00 (r900,c010) + C.01.00 (r960,c010)	-
A.5	Own Funds Requirements	8,190	8,334	C.02.00 (r010,c010)	Articles 92(3), 95, 96 and 98 of CRR
A.5.1	Transitional adjustments included	0	0	C.05.01 (r010,c040)	-

Capital Ratios - Transitional Period

Item	Description	As of 31/12/2015 (%)	As of 30/06/2016 (%)	COREP CODE	Regulation
C.1	CET1 Capital Ratio (transitional period)	19.47%	19.45%	CA3 (1)	-
C.2	Tier 1 Capital Ratio (transitional period)	19.81%	19.65%	CA3 (3)	-
C.3	Total Capital Ratio (transitional period)	22.84%	22.60%	CA3 (5)	-

CET1 Capital Fully Loaded

Item	Description	As of 31/12/2015	As of 30/06/2016	COREP CODE	Regulation
D	CET1 Capital (fully loaded)	7,917	8,186	[IA.1-A.I.13-A.I.13+MIN(A2+A.1.3- A2.2-A.2.4+MIN(A4+A.2.2- A4.3,0)]	-
E	CET1 Capital Ratio (fully loaded)	19.15%	19.30%	[D.1]/[B-8.1]	-

Risk Exposure Amounts

Risk Type	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Credit Risk	36,025	37,163
Securitisation and re-securitisations in the banking book	46	56
Contributions to the default fund of a CCP	0	0
Other credit risk	35,978	37,108
Market risk (position, foreign exchange and commodities)	1,450	1,308
Credit Valuation Adjustment	390	312
Operational risk	3,477	3,630
Other risk exposure amounts	0	0
Total Risk Exposure Amount	41,342	42,414

Note: May include hedges, which are not securitisation positions, as per Article 338.3 of CRR.

Profit and Loss (P&L)

Item	As of 31/12/2015 (mln EUR)	As of 30/06/2016 (mln EUR)
Interest income	2,479	1,129
Of which debt securities income	127	320
Of which loans and advances income	1,242	620
Interest expenses	1,462	609
Of which deposits expenses	142	62
Of which debt securities issued expenses	263	415
Dividend income	281	205
Net Fee and commission income	576	293
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	88	7
Gains or (-) losses on financial assets and liabilities held for trading, net	121	23
Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss, net	0	0
Gains or (-) losses from hedge accounting, net	1	1
Exchange differences [gain or (-) loss], net	0	0
Net other operating income/(expenses)	36	92
Total Operating Income, Net	2,121	1,142
Administrative expenses	1,016	508
Depreciation	88	41
Provisions or (-) reversal of provisions	0	0
Commitments and guarantees given	0	0
Other provisions	0	0
Of which pending legal issues and tax litigation	0	-
Of which restructuring	0	-
Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss	78	23
Loans and receivables	76	23
Held to maturity investments, AFS assets and financial assets measured at cost	2	0
Impairment or (-) reversal of impairment of investments in subsidiaries, joint ventures and associates and on non-financial assets	4	0
Profit or (-) loss before tax from continuing operations	944	571
Profit or (-) loss after tax from continuing operations	782	499
Profit or (-) loss after tax from discontinued operations	0	0
Profit or (-) loss for the year	782	499
Of which attributable to owners of the parent	782	499

Note: Information available only as of end of the year.

Market Risk

Item	As of 31/12/2015 (EUR)	As of 30/06/2016 (EUR)
Traded Debt Instruments	1,412	1,289
Of which: General risk	907	711
Of which: Specific risk	91	294
Equities	10	11
Of which: General risk	5	6
Of which: Specific risk	5	6
Foreign exchange risk	0	0
Commodities risk	27	7
Total Risk Exposure Amount	1,450	1,308

Note: May include hedges, which are not securitisation positions, as per Article 338.3 of CRR.

Credit Risk - Standardised Approach

Country/Category	Original Exposure (EUR)	Exposure Value (EUR)	Risk Exposure Amount (EUR)	Value Adjustments and Provisions
Central governments or central banks	11,567	12,419	5	-
Regional governments or local authorities	3,082	3,480	6	-
Public sector entities	400	84	17	-
Multilateral Development Banks	1,256	1,256	0	-
International Organisations	0	0	0	-
Institutions	376	336	14	-
Corporates	1,840	1,598	1,582	-
Of which: SME	950	768	762	-
Retail	3,401	1,142	855	-
Of which: SME	6	5	3	-
Secured by mortgages on immovable property	1	1	1	-
Of which: SME	1	1	1	-
Exposures in default	7	7	10	-
Items associated with particularly high risk	0	0	0	-
Covered bonds	0	0	0	-
Claims on institutions and corporates with a ST credit assessment	0	0	0	-
Collective investments undertakings (CIU)	0	0	0	-
Equity	0	0	0	-
Securitisation	-	-	-	-
Other exposures	58	58	118	-
Standardised Total	22,695	21,087	2,607	7

Note: Original exposure is reported before taking into account any effect due to credit conversion factors or credit risk mitigation techniques. Total value adjustments and provisions per country of counterparty does not include securitisation exposures.

Additional Notes

Total Risk Exposure Amount: 41,342 EUR (31/12/2015), 42,414 EUR (30/06/2016)
CET1 Capital (transitional period): 8,049 EUR (31/12/2015), 8,251 EUR (30/06/2016)
Tier 1 Capital (transitional period): 8,190 EUR (31/12/2015), 8,334 EUR (30/06/2016)
Tier 2 Capital (transitional period): 1,253 EUR (31/12/2015), 1,252 EUR (30/06/2016)

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