EBA欧洲银行-ES_5493007SJLLCTM6J6M37_TR_2015_21页_1mb

报告摘要

2015 EU-wide Transparency Exercise Summary - Unicaja Banco S.A.

Core Information

Bank Name: Unicaja Banco S.A.
LEI Code: 5493007SJLLCTM6J6M37
Country Code: ES (Spain)

Capital Structure

Own Funds

As of 31/12/2014: 3,348 mln EUR
As of 30/06/2015: 3,486 mln EUR

Common Equity Tier 1 (CET1) Capital

As of 31/12/2014: 3,334 mln EUR
As of 30/06/2015: 3,438 mln EUR
Regulation: Article 50 of CRR

Capital Instruments Eligible as CET1 Capital

As of 31/12/2014: 2,014 mln EUR
As of 30/06/2015: 2,014 mln EUR
Regulation: Articles 26(1) points (a) and (b), 27 to 29, 36(1) point (f) and 42 of CRR

Retained Earnings

As of 31/12/2014: 483 mln EUR
As of 30/06/2015: 657 mln EUR
Regulation: Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR

Accumulated Other Comprehensive Income

As of 31/12/2014: 297 mln EUR
As of 30/06/2015: -1 mln EUR
Regulation: Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR

Minority Interest in CET1 Capital

As of 31/12/2014: 316 mln EUR
As of 30/06/2015: 275 mln EUR
Regulation: Article 84 of CRR

Adjustments to CET1

As of 31/12/2014: 13 mln EUR
As of 30/06/2015: 15 mln EUR
Regulation: Articles 32 to 35 and 36 (1) point (f) of CRR

Deductions from CET1

Intangible assets (including Goodwill): -37 mln EUR (2014), -36 mln EUR (2015)
DTAs that rely on future profitability: -429 mln EUR (2014), -466 mln EUR (2015)
Other deductions: 0 mln EUR (2014), 0 mln EUR (2015)

Additional Tier 1 (AT1) Capital

As of 31/12/2014: 14 mln EUR
As of 30/06/2015: 48 mln EUR
Regulation: Article 61 of CRR

Tier 1 Capital

As of 31/12/2014: 3,348 mln EUR
As of 30/06/2015: 3,486 mln EUR
Regulation: Article 25 of CRR

Tier 2 Capital

As of 31/12/2014: 0 mln EUR
As of 30/06/2015: 0 mln EUR
Regulation: Article 71 of CRR

Risk Exposure Amounts

Total Risk Exposure Amount (As of 31/12/2014): 30,308 mln EUR
Total Risk Exposure Amount (As of 30/06/2015): 29,018 mln EUR

Credit Risk

As of 31/12/2014: 26,932 mln EUR
As of 30/06/2015: 25,709 mln EUR

Securitisation Risk

As of 31/12/2014: 1,496 mln EUR
As of 30/06/2015: 1,117 mln EUR

Operational Risk

As of 31/12/2014: 3,041 mln EUR
As of 30/06/2015: 3,041 mln EUR

Profit and Loss (P&L)

Total Operating Income, Net (As of 31/12/2014): 1,335 mln EUR
Total Operating Income, Net (As of 30/06/2015): 827 mln EUR

Interest Income

As of 31/12/2014: 1,475 mln EUR
As of 30/06/2015: 681 mln EUR

Interest Expenses

As of 31/12/2014: 749 mln EUR
As of 30/06/2015: 326 mln EUR

Net Fee and Commission Income

As of 31/12/2014: 227 mln EUR
As of 30/06/2015: 124 mln EUR

Gains/Losses on Derecognition

As of 31/12/2014: 399 mln EUR
As of 30/06/2015: 232 mln EUR

Gains/Losses on Financial Assets Held for Trading

As of 31/12/2014: -9 mln EUR
As of 30/06/2015: 60 mln EUR

Net Profit/Loss from Continuing Operations

As of 31/12/2014: 493 mln EUR
As of 30/06/2015: 256 mln EUR

Net Profit/Loss After Tax

As of 31/12/2014: 447 mln EUR
As of 30/06/2015: 189 mln EUR

Capital Ratios

Common Equity Tier 1 Capital Ratio: 11.00% (2014), 11.85% (2015)
Tier 1 Capital Ratio: 11.05% (2014), 12.01% (2015)
Total Capital Ratio: 11.05% (2014), 12.01% (2015)

Credit Risk - Standardised Approach

Total Risk Exposure Amount (As of 31/12/2014): 26,932 mln EUR
Total Risk Exposure Amount (As of 30/06/2015): 25,709 mln EUR
Value Adjustments and Provisions (As of 31/12/2014): 5,002 mln EUR
Value Adjustments and Provisions (As of 30/06/2015): 4,233 mln EUR

Credit Risk - IRB Approach

Total Risk Exposure Amount (As of 31/12/2014): 0 mln EUR
Total Risk Exposure Amount (As of 30/06/2015): 0 mln EUR

Sovereign Exposure

Total Risk Exposure Amount (As of 31/12/2014): 0 mln EUR
Total Risk Exposure Amount (As of 30/06/2015): 0 mln EUR
Indirect Sovereign Exposures (As of 31/12/2014): -2,404 mln EUR
Indirect Sovereign Exposures (As of 30/06/2015): -2,404 mln EUR

Summary of Key Trends

The bank's capital increased from 3,348 mln EUR in 2014 to 3,486 mln EUR in 2015.
CET1 capital also increased from 3,334 mln EUR to 3,438 mln EUR, with a capital ratio rising from 11.00% to 11.85%.
Total capital ratio increased from 11.05% in 2014 to 12.01% in 2015.
Risk exposure decreased from 30,308 mln EUR in 2014 to 29,018 mln EUR in 2015.
Credit risk exposure dropped from 26,932 mln EUR to 25,709 mln EUR, while operational risk remained constant at 3,041 mln EUR.
Sovereign exposure was reported as zero for both periods, with negative indirect exposures in 2015.
Profitability declined from 493 mln EUR in 2014 to 256 mln EUR in 2015, with a corresponding decrease in net profit after tax.

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