EBA欧洲银行-AT_529900JP9C734S1LE008_TR_2015_25页_4mb

报告摘要

2015 EU-wide Transparency Exercise Summary

Core Information

Bank Name: Raiffeisen-Landesbanken-Holding GmbH
LEI Code: 529900JP9C734S1LE008
Country Code: AT (Austria)

Capital Information

Capital Components and Deductions

Capital Component	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)	COREP Code	Regulation
Own Funds	11,708	11,641	CA1 (1)	CRR Articles 4(118) and 72
CET1 Capital (net of deductions and after transitional adjustments)	7,855	7,685	CA1 (1.1.1)	CRR Article 50
Capital instruments eligible as CET1 Capital	2,346	2,346	CA1 (1.1.1.1)	CRR Articles 26(1) (a), (b), 27–29, 36(1) (f), 42
Retained Earnings	2,064	2,246	CA1 (1.1.1.2)	CRR Articles 26(1) (c), 26(2), 36(1) (a), (f)
Accumulated Other Comprehensive Income	-1,377	-1,245	CA1 (1.1.1.3)	CRR Articles 4(100), 26(1) (d), 36(1) (f)
Other Reserves	1,385	1,219	CA1 (1.1.1.4)	CRR Articles 4(117), 26(1) (e)
Minority Interest in CET1 Capital	3,577	3,543	CA1 (1.1.1.7)	CRR Article 84
Adjustments to CET1 due to prudential filters	-290	-280	CA1 (1.1.1.9)	CRR Articles 32–35, 36(1) (f)
Intangible Assets (including Goodwill)	-852	-835	CA1 (1.1.1.10 + 1.1.1.11)	CRR Articles 4(113), 36(1) (b), 37; 4(115), 36(1) (b), 37 (a)
Deductible DTAs (reliance on future profitability)	0	-11	CA1 (1.1.1.12)	CRR Articles 36(1) (c), 38
IRB Shortfall of credit risk adjustments to expected losses	-44	-39	CA1 (1.1.1.13)	CRR Articles 36(1) (d), 40, 159
Defined Benefit Pension Fund Assets	0	0	CA1 (1.1.1.14)	CRR Articles 4(109), 36(1) (e), 41
Reciprocal Cross Holdings in CET1 Capital	0	0	CA1 (1.1.1.15)	CRR Articles 4(122), 36(1) (g), 44
Excess Deduction from AT1 Items over AT1 Capital	-256	-2	CA1 (1.1.1.16)	CRR Article 36(1) (j)
Deductions related to assets with 1.250% risk weight	-5	-2	CA1 (1.1.1.17–1.1.1.21)	CRR Articles 4(36), 36(1) (k) (i), 89–91; 36(1) (l) (ii), 243(1) (b), 244(1) (b), 258; 36(1) (k) (iii), 379(3); 36(1) (k) (iv), 153(8); 36(1) (k) (v), 155(4)
Holdings of CET1 Capital Instruments (significant investment)	-90	-133	CA1 (1.1.1.24)	CRR Articles 4(27), 36(1) (i), 43–46, 49 (2) (3), 79
Amount Exceeding 17.65% Threshold	0	0	CA1 (1.1.1.25)	CRR Article 470
Other CET1 Capital Elements and Deductions	0	0	CA1 (1.1.1.27) + CA1 (1.1.1.28)	-
Transitional Adjustments	1,397	876	CA1 (1.1.1.6 + 1.1.1.8 + 1.1.1.26)	-
Transitional Adjustments (Grandfathered CET1 Capital Instruments)	0	0	CA1 (1.1.1.6)	CRR Articles 483(1)–(3), 484–487
Transitional Adjustments (Additional Minority Interests)	680	342	CA1 (1.1.1.8)	CRR Articles 479, 480
Other Transitional Adjustments to CET1 Capital	717	534	CA1 (1.1.1.26)	CRR Articles 469–477, 478, 481

Additional Tier 1 Capital

Additional Tier 1 Capital	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)	COREP Code	Regulation
Additional Tier 1 Capital Instruments	444	511	CA1 (1.1.2.1) + CA1 (1.1.2.2) + CA1 (1.1.2.3) + CA1 (1.1.2.4)	-
Other Additional Tier 1 Capital Components and Deductions	-444	-511	CA1 (1.1.2) - CA1 (1.1.2.1) + CA1 (1.1.2.2) + CA1 (1.1.2.3) + CA1 (1.1.2.4)	-

Tier 1 Capital

As of 31/12/2014: 7,855 EUR
As of 30/06/2015: 7,685 EUR
COREP Code: CA1 (1.1)
Regulation: CRR Article 25

Tier 2 Capital

As of 31/12/2014: 3,853 EUR
As of 30/06/2015: 3,956 EUR
COREP Code: CA1 (1.2)
Regulation: CRR Article 71

Total Capital

As of 31/12/2014: 11,708 EUR
As of 30/06/2015: 11,641 EUR
COREP Code: CA1 (1)
Regulation: CRR Articles 4(118) and 72

Risk Exposure Amounts

Risk Exposure Type	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)	COREP Code	Regulation
Total Risk Exposure Amount	78,738	79,478	CA2 (1)	CRR Articles 92(3), 95, 96, 98

Detailed Risk Exposure Components

Risk Exposure Type	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)	Regulation
Credit Risk	65,947	65,941	-
Securitisation and Re-securitisations (Banking Book)	254	180	-
Contributions to CCP Default Fund	0	0	-
Other Credit Risk	65,692	65,761	-
Market Risk (FX and Commodities)	3,190	3,592	-
Credit Valuation Adjustment	506	440	-
Operational Risk	9,096	9,476	-
Other Risk Exposure Amounts	0	30	-

Profit and Loss (P&L) Summary

P&L Component	As of 31/12/2014 (EUR)	As of 30/06/2015 (EUR)
Interest Income	6,073	2,723
Interest Expenses	2,134	987
Dividend Income	143	85
Net Fee and Commission Income	1,648	787
Gains or Losses on Derecognition	79	21
Gains or Losses on Trading Financial Assets	-48	18
Gains or Losses on FVTPL Financial Assets	154	157
Gains or Losses from Hedge Accounting	25	-8
Exchange Differences	36	-110
Net Other Operating Income/(Expenses)	-394	-17
Total Operating Income, Net	5,583	2,669
Administrative Expenses	2,854	1,336
Depreciation	343	148
Provisions or Reversal of Provisions	4	24
Commitments and Guarantees Given	-20	11
Other Provisions	24	12
Profit or Loss Before Tax from Continuing Operations	95	563
Profit or Loss After Tax from Continuing Operations	-407	395
Profit or Loss for the Year	-407	395

Risk Exposure by Country

Austria:
- Total Risk Exposure Amount: 78,738 EUR (As of 31/12/2014) and 79,478 EUR (As of 30/06/2015)
- Standardised Approach:
  - Original Exposure: 25,556 EUR (As of 31/12/2014) and 29,492 EUR (As of 30/06/2015)
  - Exposure Value: 26,964 EUR (As of 31/12/2014) and 30,505 EUR (As of 30/06/2015)
  - Risk Exposure Amount: 1,538 EUR (As of 31/12/2014) and 2,278 EUR (As of 30/06/2015)
Russian Federation:
- Total Risk Exposure Amount: 7,337 EUR (As of 31/12/2014) and 7,337 EUR (As of 30/06/2015)
- Standardised Approach:
  - Original Exposure: 10 EUR (As of 31/12/2014) and 37 EUR (As of 30/06/2015)
  - Exposure Value: 10 EUR (As of 31/12/2014) and 37 EUR (As of 30/06/2015)
  - Risk Exposure Amount: 5 EUR (As of 31/12/2014) and 19 EUR (As of 30/06/2015)
Poland:
- Total Risk Exposure Amount: 9,120 EUR (As of 31/12/2014) and 6,530 EUR (As of 30/06/2015)
- Standardised Approach:
  - Original Exposure: 3,100 EUR (As of 31/12/2014) and 3,280 EUR (As of 30/06/2015)
  - Exposure Value: 3,200 EUR (As of 31/12/2014) and 3,369 EUR (As of 30/06/2015)
  - Risk Exposure Amount: 4 EUR (As of 31/12/2014) and 4 EUR (As of 30/06/2015)
Czech Republic:
- Total Risk Exposure Amount: 1,393 EUR (As of 31/12/2014) and 1,393 EUR (As of 30/06/2015)
- Standardised Approach:
  - Original Exposure: 2,710 EUR (As of 31/12/2014) and 2,419 EUR (As of 30/06/2015)
  - Exposure Value: 2,770 EUR (As of 31/12/2014) and 2,523 EUR (As of 30/06/2015)
  - Risk Exposure Amount: 0 EUR (As of 31/12/2014) and 0 EUR (As of 30/06/2015)

Capital Ratios

Capital Ratio	As of 31/12/2014	As of 30/06/2015
CET1 Capital Ratio	9.98%	9.67%
Tier 1 Capital Ratio	9.98%	9.67%
Total Capital Ratio	14.87%	14.65%

Key Observations

The bank reported a slight decrease in CET1 capital from 7,855 EUR (31/12/2014) to 7,685 EUR (30/06/2015), indicating a reduction in capital after adjustments.
The Total Capital ratio also slightly declined from 14.87% to 14.65%.
Risk exposure amounts increased from 78,738 EUR (31/12/2014) to 79,478 EUR (30/06/2015), with the majority of risk exposure attributed to credit risk.
The P&L showed a significant drop in net income, from 5,583 EUR (31/12/2014) to 2,669 EUR (30/06/2015), with a profit after tax in the second period.
The bank's risk exposure is categorized across various types, including credit, market, and operational risks, with the largest portion from credit risk.

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