Deductions for Assets with Alternative Risk Weight
-17
0
A.1.15
Holdings of CET1 Capital Instruments (Non-Significant Investment)
0
0
A.1.16
Deductible DTAs based on Future Profitability
0
0
A.1.17
Holdings of CET1 Capital Instruments (Significant Investment)
-406
-402
A.1.18
CET1 Exceeding 17.65% Threshold
0
0
A.1.19
Additional CET1 Deductions due to Article 3 CRR
0
0
A.1.20
CET1 Capital Elements or Deductions - Other
0
0
A.1.21
Transitional Adjustments
274
179
A.1.21.1
Transitional Adjustments due to Grandfathered CET1 Instruments
0
0
A.1.21.2
Transitional Adjustments due to Additional Minority Interests
0
0
A.1.21.3
Other Transitional Adjustments to CET1
274
179
Additional Tier 1 Capital
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
A.2
Additional Tier 1 Capital
0
0
A.2.1
Additional Tier 1 Capital Instruments
0
0
A.2.2
Excess Deduction from T2 Items
0
0
A.2.3
Other Additional Tier 1 Components and Deductions
154
99
A.2.4
Additional Tier 1 Transitional Adjustments
-154
-99
Tier 1 Capital
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
A.3
Tier 1 Capital
18,335
18,372
Tier 2 Capital
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
A.4
Tier 2 Capital
1,671
1,667
A.4.1
Tier 2 Capital Instruments
1,796
1,751
A.4.2
Other Tier 2 Components and Deductions
-4
-4
A.4.3
Tier 2 Transitional Adjustments
-121
-80
Capital Ratios (Transitional Period)
Item
Description
As of 31/12/2015 (%)
As of 30/06/2016 (%)
C.1
CET1 Capital Ratio
42.82%
40.66%
C.2
Tier 1 Capital Ratio
42.82%
40.66%
C.3
Total Capital Ratio
46.72%
44.35%
CET1 Capital Fully Loaded
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
D
CET1 Capital
18,214
18,292
E
CET1 Capital Ratio (Fully Loaded)
42.54%
40.49%
Risk Exposure Amounts
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
Risk Exposure Amount for Credit Risk
-
40,618
42,874
Risk Exposure Amount for Securitisation and Re-securitisations (Banking Book)
-
2,641
2,101
Risk Exposure Amount for Contributions to the Default Fund of a CCP
-
1
2
Risk Exposure Amount for Other Credit Risk
-
37,976
40,772
Risk Exposure Amount for Position, Foreign Exchange and Commodities (Market Risk)
-
32
31
Risk Exposure Amount for Credit Valuation Adjustment
-
1,030
1,184
Risk Exposure Amount for Operational Risk
-
1,136
1,093
Total Risk Exposure Amount
-
42,817
45,182
Profit and Loss (P&L)
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
Interest Income
-
4,922
2,305
Of which Debt Securities Income
-
1,358
594
Of which Loans and Advances Income
-
1,776
818
Interest Expenses
-
4,504
2,040
Of which Deposits Expenses
-
1,351
609
Of which Debt Securities Issued Expenses
-
724
357
Net Fee and Commission Income
-
109
53
Gains or (-) Losses on Derecognition of Financial Assets
-
-25
9
Gains or (-) Losses on Financial Assets Held for Trading
-
4
0
Gains or (-) Losses on Financial Assets Designated at Fair Value Through Profit or Loss
-
0
0
Gains or (-) Losses from Hedge Accounting
-
0
0
Exchange Differences
-
0
0
Net Other Operating Income/(Expenses)
-
100
-4
Total Operating Income, Net
-
606
323
Capital Ratios and Risk Exposure by Country (Standardised Approach)
Germany
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
Central Governments or Central Banks
-
27,749
30,626
Regional Governments or Local Authorities
-
44,022
45,776
Public Sector Entities
-
5,765
6,053
Multilateral Development Banks
-
1,031
1,313
International Organisations
-
2,111
2,917
Institutions
-
39,642
44,170
Corporates
-
20,098
20,129
Of which: SME
-
384
413
Retail
-
6,520
6,236
Of which: SME
-
23
23
Exposures in Default
-
658
608
Items Associated with Particularly High Risk
-
153
143
Covered Bonds
-
3,999
3,792
Claims on Institutions and Corporates with ST Credit Assessment
-
506
2,325
Equity
-
1,895
1,902
Securitisation
-
5,990
5,671
Other Exposures
-
485
425
Standardised Total
-
160,624
172,106
Netherlands
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
Central Governments or Central Banks
-
1,845
1,703
Regional Governments or Local Authorities
-
870
859
Public Sector Entities
-
0
0
Multilateral Development Banks
-
0
0
International Organisations
-
0
0
Institutions
-
1,487
1,973
Corporates
-
760
751
Of which: SME
-
0
0
Retail
-
5
7
Of which: SME
-
0
0
Exposures in Default
-
1
1
Items Associated with Particularly High Risk
-
0
0
Covered Bonds
-
221
221
Claims on Institutions and Corporates with ST Credit Assessment
-
5
25
Equity
-
0
0
Other Exposures
-
0
0
Standardised Total
-
1,922
2,183
France
Item
Description
As of 31/12/2015 (EUR)
As of 30/06/2016 (EUR)
Central Governments or Central Banks
-
2,552
2,544
Regional Governments or Local Authorities
-
30
29
Public Sector Entities
-
0
0
Multilateral Development Banks
-
0
0
International Organisations
-
0
0
Institutions
-
1,309
2,183
Corporates
-
594
607
Of which: SME
-
0
0
Retail
-
0
0
Exposures in Default
-
0
0
Items Associated with Particularly High Risk
-
0
0
Covered Bonds
-
12
12
Claims on Institutions and Corporates with ST Credit Assessment
-
60
298
Equity
-
0
0
Other Exposures
-
65
40
Standardised Total
-
2,921
3,132
Key Points
The bank's Own Funds increased slightly from 20,006 EUR to 20,039 EUR during the transitional period.
CET1 Capital decreased from 18,335 EUR to 18,372 EUR, indicating a small increase in capital after adjustments.
The Total Risk Exposure Amount rose from 42,817 EUR to 45,182 EUR, reflecting an increase in credit and market risk exposure.
The Total Operating Income, Net declined significantly from 606 EUR to 323 EUR, likely due to reduced interest income and expenses.
Capital ratios for CET1, Tier 1, and Total Capital all decreased during the period, which could indicate a shift in the risk profile or capital structure.
The Standardised Approach for credit risk showed a decrease in total risk exposure in Germany and France, but an increase in the Netherlands, which may be due to different risk profiles and exposures across these countries.
The Standardised Total in Germany was the highest, indicating a larger exposure base compared to other countries.
