EBA欧洲银行-FR_96950066U5XAAIRCPA78_TR_2015_23页_3mb

2015 EU-wide Transparency Exercise Summary - La Banque Postale

Core Information

• Bank Name: La Banque Postale
• LEI Code: 96950066U5XAAIRCPA78
• Country Code: FR (France)

Capital Structure

Common Equity Tier 1 (CET1) Capital

• As of 31/12/2014: 6,691 mln EUR
• As of 30/06/2015: 7,043 mln EUR
• CET1 Capital Ratio: 12.71% (31/12/2014), 13.10% (30/06/2015)
• CET1 Capital Instruments: 4,063 mln EUR (both periods)
• Retained Earnings: 1,140 mln EUR (31/12/2014), 1,033 mln EUR (30/06/2015)
• Accumulated Other Comprehensive Income: 845 mln EUR (31/12/2014), 682 mln EUR (30/06/2015)
• Other Reserves: 2,053 mln EUR (31/12/2014), 2,369 mln EUR (30/06/2015)
• Adjustments to CET1: -115 mln EUR (31/12/2014), -83 mln EUR (30/06/2015)
• Deductions from CET1:
  • Intangible assets (including Goodwill): -484 mln EUR (31/12/2014), -488 mln EUR (30/06/2015)
  • DTA deductions: -9 mln EUR (30/06/2015)
  • Other deductions: 0 mln EUR (both periods)

Additional Tier 1 (AT1) Capital

• As of 31/12/2014: 800 mln EUR
• As of 30/06/2015: 800 mln EUR

Tier 1 Capital

• As of 31/12/2014: 7,491 mln EUR
• As of 30/06/2015: 7,843 mln EUR
• Tier 1 Capital Ratio: 14.22% (31/12/2014), 14.59% (30/06/2015)

Tier 2 Capital

• As of 31/12/2014: 1,487 mln EUR
• As of 30/06/2015: 1,403 mln EUR
• Tier 2 Capital Ratio: 17.05% (31/12/2014), 17.20% (30/06/2015)

Total Capital

• As of 31/12/2014: 8,978 mln EUR
• As of 30/06/2015: 9,246 mln EUR

Risk Exposure Amounts

• Total Risk Exposure Amount (As of 31/12/2014): 52,662 mln EUR
• Total Risk Exposure Amount (As of 30/06/2015): 53,765 mln EUR

Breakdown of Risk Exposure Amounts

• Credit Risk:
  • 31/12/2014: 42,184 mln EUR
  • 30/06/2015: 42,932 mln EUR
• Securitisation and Re-securitisations (Banking Book):
  • 31/12/2014: 68 mln EUR
  • 30/06/2015: 63 mln EUR
• Market Risk:
  • 31/12/2014: 1,271 mln EUR
  • 30/06/2015: 1,622 mln EUR
  • Foreign Exchange and Commodities Risk: 1,271 mln EUR (31/12/2014), 1,622 mln EUR (30/06/2015)

Additional Risk Exposure Components

• Credit Valuation Adjustment: 331 mln EUR (31/12/2014), 335 mln EUR (30/06/2015)
• Operational Risk: 8,875 mln EUR (both periods)

Profit and Loss (P&L)

• Total Operating Income, Net:
  • 31/12/2014: 5,697 mln EUR
  • 30/06/2015: 2,932 mln EUR

Income Breakdown

• Interest Income:
  • 31/12/2014: 5,235 mln EUR
  • 30/06/2015: 2,521 mln EUR
• Net Fee and Commission Income:
  • 31/12/2014: 2,263 mln EUR
  • 30/06/2015: 1,190 mln EUR
• Gains or Losses on Derecognition:
  • 31/12/2014: 103 mln EUR
  • 30/06/2015: 133 mln EUR

Expenses Breakdown

• Administrative Expenses:
  • 31/12/2014: 4,347 mln EUR
  • 30/06/2015: 2,222 mln EUR
• Depreciation:
  • 31/12/2014: 202 mln EUR
  • 30/06/2015: 96 mln EUR
• Provisions or Reversals of Provisions:
  • 31/12/2014: 178 mln EUR
  • 30/06/2015: 85 mln EUR

Profit or Loss

• Profit or Loss Before Tax from Continuing Operations:
  • 31/12/2014: 1,012 mln EUR
  • 30/06/2015: 571 mln EUR
• Profit or Loss After Tax from Continuing Operations:
  • 31/12/2014: 692 mln EUR
  • 30/06/2015: 379 mln EUR
• Profit or Loss Attributable to Owners of the Parent:
  • 31/12/2014: 677 mln EUR
  • 30/06/2015: 370 mln EUR

Standardised Approach (SA) Details

• Original Exposure (As of 31/12/2014): 108,866 mln EUR
• Original Exposure (As of 30/06/2015): 224,126 mln EUR
• Exposure Value (As of 31/12/2014): 108,682 mln EUR
• Exposure Value (As of 30/06/2015): 206,021 mln EUR
• Risk Exposure Amount (As of 31/12/2014): 42,183 mln EUR
• Risk Exposure Amount (As of 30/06/2015): 42,932 mln EUR
• Value Adjustments and Provisions (As of 31/12/2014): 387 mln EUR
• Value Adjustments and Provisions (As of 30/06/2015): 367 mln EUR

Regulatory References

• CET1 Capital: Article 50 of CRR
• Tier 1 Capital: Article 25 of CRR
• Tier 2 Capital: Article 71 of CRR
• Capital Instruments: Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f), and 42 of CRR
• Transitional Adjustments: Articles 469 to 472, 478, and 481 of CRR
• Risk Exposure Amounts: Articles 92(3), 95, 96, and 98 of CRR

Summary of Key Trends

• Capital Growth: CET1 and Tier 1 capital increased from 31/12/2014 to 30/06/2015, indicating improved capital positions.
• Risk Exposure Increase: Total risk exposure increased from 52,662 mln EUR to 53,765 mln EUR, primarily due to market risk.
• Profit Decline: Operating income and profit after tax decreased significantly from 31/12/2014 to 30/06/2015, suggesting a challenging financial environment.
• Standardised Approach: The risk exposure amount under the standardised approach increased, reflecting a broader risk assessment framework.