EBA欧洲银行-ES_549300PY124PITBSWN73_TR_2015_21页_1mb

报告摘要

Component	31/12/2014	30/06/2015	Regulation
Capital instruments eligible as CET1 Capital	2,090	1,611	Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR
Retained Earnings	55	0	Articles 26(1) point (c), 26(2) and 36(1) points (a) and (f) of CRR
Accumulated Other Comprehensive Income	319	93	Articles 4(100), 26(1) point (d) and 36(1) point (f) of CRR
Other Reserves	0	532	Articles 4(117) and 26(1) point (e) of CRR
Adjustments to CET1 due to prudential filters	-36	-34	Articles 32 to 35 and 36(1) point (f) of CRR
Intangible assets (including Goodwill)	-108	-115	Articles 4(113), 36(1) point (b) and 37 of CRR; Articles 4(115), 36(1) point (b) and 37 point (a) of CCR
Holdings of CET1 capital instruments of financial sector entities where the institution does not have a significant investment	-3	0	Articles 4(27), 36(1) point (h); 43 to 46, 49(2) and (3) and 79 of CRR
Other CET1 capital elements and deductions	0	0	-
Transitional adjustments	-292	-75	Articles 469 to 472, 478 and 481 of CRR

Total Risk Exposure Amount:
- 31/12/2014: 19,906 mln EUR
- 30/06/2015: 19,687 mln EUR

Risk Type	31/12/2014	30/06/2015
Credit Risk	17,560	17,336
Securitisation and re-securitisations in the banking book	361	326
Contributions to the default fund of a CCP	0	0
Other credit risk	17,199	17,010
Market Risk (Foreign Exchange and Commodities)	0	0
Credit Valuation Adjustment	97	102
Operational Risk	2,249	2,249

Administrative expenses:
- 31/12/2014: 377 mln EUR
- 30/06/2015: 185 mln EUR
Depreciation:
- 31/12/2014: 28 mln EUR
- 30/06/2015: 15 mln EUR
Provisions or (-) reversal of provisions:
- 31/12/2014: 9 mln EUR
- 30/06/2015: 21 mln EUR
Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss:
- 31/12/2014: 547 mln EUR
- 30/06/2015: 177 mln EUR

Profit before tax from continuing operations:
- 31/12/2014: 143 mln EUR
- 30/06/2015: 51 mln EUR
Profit after tax from continuing operations:
- 31/12/2014: 101 mln EUR
- 30/06/2015: 42 mln EUR
Profit for the year:
- 31/12/2014: 101 mln EUR
- 30/06/2015: 42 mln EUR

Total Risk Exposure Amount:
- 31/12/2014: 17,560 mln EUR
- 30/06/2015: 17,336 mln EUR
Value Adjustments and Provisions:
- 31/12/2014: 1,817 mln EUR
- 30/06/2015: 1,702 mln EUR

Total Sovereign Exposure:
- 31/12/2014: 0 mln EUR
- 30/06/2015: 0 mln EUR
Sovereign Exposure by Country / Region:
- Bulgaria: 6 mln EUR (30/06/2015)
- Czech Republic: 0 mln EUR (30/06/2015)
- Estonia: 0 mln EUR (30/06/2015)
Residual Maturity Breakdown:
- No specific values provided for most maturity categories.
- Only Bulgaria is mentioned with a non-zero exposure in the [2Y - 3Y] category.

The bank's CET1 capital slightly decreased from 2,024 mln EUR to 2,012 mln EUR during the period.
The CET1 capital ratio increased marginally from 10.17% to 10.22%.
There were no significant Tier 2 capital instruments reported.
The total risk exposure decreased from 19,906 mln EUR to 19,687 mln EUR.
The bank reported a decline in operating income from 1,243 mln EUR to 508 mln EUR.
The IRB approach showed zero exposure, indicating the bank may not have significant credit risk under this method.
Sovereign exposure was minimal, with only Bulgaria having a non-zero exposure in the [2Y - 3Y] category.

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