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2017 EU-wide Transparency Exercise Summary for RBC Investor Services Bank S.A.

Core Content

The document provides a detailed summary of the 2017 EU-wide Transparency Exercise for RBC Investor Services Bank S.A., covering capital structure, leverage ratio, risk exposure amounts, and profit and loss (P&L) figures. The data is structured according to the Capital Requirements Regulation (CRR) and is reported for different periods: as of 31/12/2016 and 30/06/2017.

Capital Structure

Own Funds - Transitional Period

• Own Funds:

  • 31/12/2016: 996 mln EUR
  • 30/06/2017: 995 mln EUR
  • COREP CODE: C.01.00 (r010,c010)
  • REGULATION: Articles 4(118) and 72 of CRR

• Common Equity Tier 1 (CET1) Capital:

  • 31/12/2016: 996 mln EUR
  • 30/06/2017: 995 mln EUR
  • COREP CODE: C.01.00 (r020,c010)
  • REGULATION: Article 50 of CRR

• CET1 Capital Components:

  • A.1.1: Capital instruments eligible as CET1 (including share premium and net own capital instruments)
    • 31/12/2016: 582 mln EUR
    • 30/06/2017: 582 mln EUR
    • REGULATION: Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR
  • A.1.2: Retained earnings
    • 31/12/2016: 374 mln EUR
    • 30/06/2017: 369 mln EUR
    • REGULATION: Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR
  • A.1.3: Accumulated other comprehensive income
    • 31/12/2016: 0 mln EUR
    • 30/06/2017: -4 mln EUR
    • REGULATION: Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR
  • A.1.4: Other Reserves
    • 31/12/2016: 161 mln EUR
    • 30/06/2017: 167 mln EUR
    • REGULATION: Articles 4(117) and 26(1) point (e) of CRR
  • A.1.5 to A.1.14: Various deductions and adjustments for CET1 capital, all reported as 0 mln EUR for both periods.
  • A.1.20: CET1 capital elements or deductions - other
    • 31/12/2016: 9 mln EUR
    • 30/06/2017: 8 mln EUR
  • A.1.21: Transitional adjustments
    • 31/12/2016: 0 mln EUR
    • 30/06/2017: 0 mln EUR

• Additional Tier 1 (AT1) Capital:

  • 31/12/2016: 0 mln EUR
  • 30/06/2017: 0 mln EUR
  • REGULATION: Article 61 of CRR

• Tier 1 Capital:

  • 31/12/2016: 996 mln EUR
  • 30/06/2017: 995 mln EUR
  • REGULATION: Article 25 of CRR

• Tier 2 Capital:

  • 31/12/2016: 0 mln EUR
  • 30/06/2017: 0 mln EUR
  • REGULATION: Article 71 of CRR

Capital Ratios

• Common Equity Tier 1 (CET1) Capital Ratio (Transitional period):

  • 31/12/2016: 28.51%
  • 30/06/2017: 24.55%
  • COREP CODE: CA3 (1)

• Tier 1 Capital Ratio (Transitional period):

  • 31/12/2016: 28.51%
  • 30/06/2017: 24.55%
  • COREP CODE: CA3 (3)

• Total Capital Ratio (Transitional period):

  • 31/12/2016: 28.51%
  • 30/06/2017: 24.55%
  • COREP CODE: CA3 (5)

• Fully Loaded CET1 Capital Ratio:

  • 31/12/2016: 28.51%
  • 30/06/2017: 24.55%
  • COREP CODE: [D-1]/[B-1]

Risk Exposure Amounts

• Total Risk Exposure Amount:

  • 31/12/2016: 3,495 mln EUR
  • 30/06/2017: 4,054 mln EUR

• Credit Risk Exposure:

  • 31/12/2016: 2,573 mln EUR
  • 30/06/2017: 3,086 mln EUR

• Market Risk Exposure:

  • 31/12/2016: 55 mln EUR
  • 30/06/2017: 84 mln EUR

• Other Risk Exposure Amounts:

  • 31/12/2016: 0 mln EUR
  • 30/06/2017: 0 mln EUR

Profit and Loss (P&L)

• Interest Income:

  • 31/12/2016: 84 mln EUR
  • 30/06/2017: 45 mln EUR

• Net Fee and Commission Income:

  • 31/12/2016: 305 mln EUR
  • 30/06/2017: 153 mln EUR

• Gains or losses on financial assets and liabilities:

  • 31/12/2016: 93 mln EUR
  • 30/06/2017: 56 mln EUR

• Net Operating Income:

  • 31/12/2016: 452 mln EUR
  • 30/06/2017: 233 mln EUR

• Administrative Expenses:

  • 31/12/2016: 345 mln EUR
  • 30/06/2017: 173 mln EUR

• Profit or loss for the year:

  • 31/12/2016: 54 mln EUR
  • 30/06/2017: 40 mln EUR

Key Information

• The bank is identified as RBC Investor Services Bank S.A. with LEI Code: 549300IVXKQHV6O7PY61 and Country Code: LU.
• The capital ratios show a decline from 28.51% to 24.55% for both CET1 and Tier 1 capital during the transitional period.
• The Total Risk Exposure Amount increased from 3,495 mln EUR to 4,054 mln EUR, primarily due to an increase in credit risk exposure.
• The bank reported zero amounts for several capital deductions and adjustments, indicating no significant changes in these areas.
• The P&L figures show a decrease in both interest income and net fee and commission income, leading to a lower net operating income and profit for the year.