EBA欧洲银行-FR_9695004ON2K947Z21B87_TR_2016_15页_1mb

2016 EU-wide Transparency Exercise Summary - Banque PSA Finance

Core Information

• Bank Name: Banque PSA Finance
• LEI Code: 9695004ON2K947Z21B87
• Country Code: FR (France)

Capital Structure (Transitional Period)

CET1 Capital Breakdown

• A.1.1: Capital instruments eligible as CET1 Capital (including share premium and net own capital instruments)

  • 2015: 467 EUR
  • 2016: 467 EUR
  • Regulation: Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR

• A.1.2: Retained earnings

  • 2015: 48 EUR
  • 2016: 432 EUR
  • Regulation: Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR

• A.1.3: Accumulated other comprehensive income

  • 2015: -254 EUR
  • 2016: -242 EUR
  • Regulation: Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR

• A.1.4: Other Reserves

  • 2015: 1,615 EUR
  • 2016: 1,226 EUR
  • Regulation: Articles 4(117) and 26(1) point (e) of CRR

• A.1.18: Amount exceeding the 17.65% threshold

  • 2015: -935 EUR
  • 2016: -1,106 EUR
  • Regulation: Article 48 of CRR

• A.1.21.3: Other transitional adjustments to CET1 Capital

  • 2015: 10 EUR
  • 2016: 10 EUR
  • Regulation: Articles 469 to 472, 478 and 481 of CRR

Capital Ratios (Transitional Period)

• C.1: Common Equity Tier 1 Capital Ratio

  • 2015: 12.00%
  • 2016: 19.03%
  • COREP CODE: CA3 (1)

• C.2: Tier 1 Capital Ratio

  • 2015: 12.00%
  • 2016: 19.03%
  • COREP CODE: CA3 (3)

• C.3: Total Capital Ratio

  • 2015: 12.00%
  • 2016: 19.03%
  • COREP CODE: CA3 (5)

Fully Loaded CET1 Capital

• D: Common Equity Tier 1 Capital (fully loaded)

  • 2015: 767 EUR
  • 2016: 667 EUR

• E: Common Equity Tier 1 Capital Ratio (fully loaded)

  • 2015: 11.85%
  • 2016: 18.75%

Risk Exposure Amounts

Profit and Loss (P&L)

Credit Risk - Standardised Approach

Consolidated Data (As of 31/12/2015 and 30/06/2016)

Country Breakdowns

• Germany:

  • Central Governments or Central Banks: 23 mln (2015), 61 mln (2016)
  • Regional Governments or Local Authorities: 4 mln (2015), 5 mln (2016)
  • Institutions: 158 mln (2015), 132 mln (2016)
  • Corporates: 461 mln (2015), 12 mln (2016)
  • Standardised Total: 3 mln (2015), 1 mln (2016)

• Italy:

  • Central Governments or Central Banks: 26 mln (2015), 18 mln (2016)
  • Regional Governments or Local Authorities: 0 mln (2015), 0 mln (2016)
  • Institutions: 85 mln (2015), 114 mln (2016)
  • Corporates: 301 mln (2015), 12 mln (2016)
  • Standardised Total: 12 mln (2015), 1 mln (2016)

• Belgium:

  • Central Governments or Central Banks: 4 mln (2015), 4 mln (2016)
  • Regional Governments or Local Authorities: 3 mln (2015), 0 mln (2016)
  • Institutions: 24 mln (2015), 7 mln (2016)
  • Corporates: 79 mln (2015), 0 mln (2016)
  • Standardised Total: 3 mln (2015), 0 mln (2016)

Key Observations

• Capital Reduction: There is a notable reduction in CET1 capital from 777 EUR in 2015 to 677 EUR in 2016, primarily due to the decline in retained earnings and other reserves.
• Capital Ratios Increase: Despite the capital reduction, the capital ratios (CET1, Tier 1, Total) increased significantly from 12.00% to 19.03% in the transitional period, indicating improved capital adequacy.
• Risk Exposure: The total risk exposure amount dropped from 6,472 EUR in 2015 to 3,555 EUR in 2016, with a significant reduction in credit risk exposure.
• P&L Trends: There was a decline in interest income and expenses, but a positive trend in profit or loss from continuing operations, suggesting improved financial performance.
• Standardised Approach: The bank's exposure to various categories under the standardised approach decreased in 2016, with a notable reduction in corporate and retail exposures.