EBA欧洲银行-BE_5493008QOCP58OLEN998_TR_2015_25页_2mb

报告摘要

2015 EU-wide Transparency Exercise Summary - Investar

Core Information

Bank Name: Investar
LEI Code: 5493008QOCP58OLEN998
Country Code: BE (Belgium)

Capital Structure

Own Funds

As of 31/12/2014: 1,630 mln EUR
As of 30/06/2015: 1,603 mln EUR
CoreP Code: CA1 (1)
Regulation: Articles 4(118) and 72 of CRR

Common Equity Tier 1 (CET1) Capital

As of 31/12/2014: 1,556 mln EUR
As of 30/06/2015: 1,580 mln EUR
CoreP Code: CA1 (1.1.1)
Regulation: Article 50 of CRR

CET1 Capital Components and Deductions

Component	31/12/2014	30/06/2015	CoreP Code	Regulation
Capital instruments eligible as CET1 Capital	98	98	CA1 (1.1.1.1)	Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR
Retained earnings	1,344	1,338	CA1 (1.1.1.2)	Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR
Accumulated other comprehensive income	107	79	CA1 (1.1.1.3)	Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR
Minority interest given recognition in CET1 capital	70	106	CA1 (1.1.1.7)	Article 84 of CRR
Adjustments to CET1 due to prudential filters	9	7	CA1 (1.1.1.9)	Articles 32 to 35 and 36 (1) point (f) of CRR
Intangible assets (including Goodwill)	-30	-31	CA1 (1.1.1.10 + 1.1.1.11)	Articles 4(113), 36(1) point (b) and 37 of CRR. Articles 4(115), 36(1) point (b) and 37 point (a) of CRR
IRB shortfall of credit risk adjustments to expected losses	-18	-13	CA1 (1.1.1.13)	Articles 36(1) point (d), 40 and 159 of CRR
Transitional adjustments due to additional minority interests	95	78	CA1 (1.1.1.8)	Articles 479 and 480 of CRR
Other transitional adjustments to CET1 Capital	-120	-81	CA1 (1.1.1.26)	Articles 469 to 477, 478 and 481 of CRR

Tier 1 Capital

As of 31/12/2014: 1,556 mln EUR
As of 30/06/2015: 1,580 mln EUR
CoreP Code: CA1 (1.1)
Regulation: Article 25 of CRR

Tier 2 Capital

As of 31/12/2014: 74 mln EUR
As of 30/06/2015: 23 mln EUR
CoreP Code: CA1 (1.2)
Regulation: Article 71 of CRR

Total Capital

As of 31/12/2014: 24.69%
As of 30/06/2015: 23.34%
CoreP Code: CA3 (5)

Risk Exposure Amounts

Total Risk Exposure Amount (as of 31/12/2014): 6,600 mln EUR
Total Risk Exposure Amount (as of 30/06/2015): 6,868 mln EUR
CoreP Code: CA2 (1)
Regulation: Articles 92(3), 95, 96 and 98 of CRR

Risk Exposure Breakdown

Risk Type	31/12/2014	30/06/2015
Credit risk	5,443	5,574
Securitisation and re-securitisations in the banking book	192	158
Contributions to the default fund of a CCP	0	0
Other credit risk	5,250	5,416
Market risk (foreign exchange and commodities)	0	0
Credit Valuation Adjustment	120	111
Operational risk	591	743
Other risk exposure amounts	447	439

Profit and Loss (P&L) Summary

Total Operating Income, Net (as of 31/12/2014): 499 mln EUR
Total Operating Income, Net (as of 30/06/2015): 266 mln EUR

Income Breakdown

Item	31/12/2014	30/06/2015
Interest income	1,082	505
Of which debt securities income	208	81
Of which loans and advances income	860	420
Dividend income	20	20
Net Fee and commission income	-60	-29
Gains or (-) losses on derecognition of financial assets and liabilities	6	5
Gains or (-) losses on financial assets and liabilities held for trading	-50	-2
Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss	0	0
Gains or (-) losses from hedge accounting	2	-1
Exchange differences	0	0
Net other operating income/(expenses)	40	-6

Expenses Breakdown

Item	31/12/2014	30/06/2015
Administrative expenses	246	142
Depreciation	22	11
Provisions or (-) reversal of provisions	1	0
Impairment or (-) reversal of impairment on financial assets	2	-3
Impairment or (-) reversal of impairment on loans and receivables	2	-1
Impairment or (-) reversal of impairment on held to maturity investments	0	-2
Profit or (-) loss before tax from continuing operations	229	115
Profit or (-) loss after tax from continuing operations	188	90
Profit or (-) loss for the year	188	90
Of which attributable to owners of the parent	161	78

Capital Ratios

Common Equity Tier 1 Capital Ratio (as of 31/12/2014): 23.57%
Common Equity Tier 1 Capital Ratio (as of 30/06/2015): 23.01%
CoreP Code: CA3 (1)
Tier 1 Capital Ratio (as of 31/12/2014): 23.57%
Tier 1 Capital Ratio (as of 30/06/2015): 23.01%
CoreP Code: CA3 (3)
Total Capital Ratio (as of 31/12/2014): 24.69%
Total Capital Ratio (as of 30/06/2015): 23.34%
CoreP Code: CA3 (5)

Additional Information

Transitional adjustments due to grandfathered CET1 Capital instruments: 0 mln EUR (as of 31/12/2014) and 0 mln EUR (as of 30/06/2015)
Transitional adjustments due to additional minority interests: 95 mln EUR (as of 31/12/2014) and 78 mln EUR (as of 30/06/2015)
Other transitional adjustments to CET1 Capital: -120 mln EUR (as of 31/12/2014) and -81 mln EUR (as of 30/06/2015)

Notes

The data reflects the application of the Standardised Approach (SA) for credit risk.
The "Original Exposure" is reported before credit conversion factors or credit risk mitigation techniques are applied.
"Value adjustments and provisions" are not included in the securitisation exposures.

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