EBA欧洲银行-NL_DG3RU1DBUFHT4ZF9WN62_TR_2018_22页_3mb

报告摘要

Category	As of 31/12/2017 (EUR)	As of 30/06/2018 (EUR)
Own Funds	51,923	51,995
CET1 Capital	31,263	31,425

Subcategory	As of 31/12/2017 (EUR)	As of 30/06/2018 (EUR)	COREP Code	Regulation
Capital instruments eligible as CET1	7,424	7,424	C:0.00 (030;010)	Articles 26(1) points (a) and (b); 27 to 29, 36(1) point (f) and 42 of CRR
Retained earnings	26,722	27,343	C:0.00 (130;010)	Articles 26(1) point (c), 26(2) and 36 (1) points (a) and (f) of CRR
Accumulated other comprehensive income	-1,402	-870	C:0.00 (180;010)	Articles 4(100), 26(1) point (d) and 36 (1) point (f) of CRR
Adjustments to CET1 due to prudential fibers	457	-171	C:0.00 (255;010)	Articles 32 to 35 of and 36 (1) point (f) of CRR
Additional deductions of CET1 Capital due to Article 3 CRR	-59	-91	C:0.00 (524;010)	Article 3 CR
Transitional adjustments	525	26	GAI (1.1.6 + 1.1.8 + 1.1.1.26)	-

Ratio	As of 31/12/2017 (%)	As of 30/06/2018 (%)
Common Equity Tier 1 Capital Ratio	15.77%	15.76%
Tier 1 Capital Ratio	18.76%	18.75%
Total Capital Ratio	26.19%	26.08%

Category	As of 31/12/2017	As of 30/06/2018
Tier 1 capital - transitional definition	37,204	37,383
Tier 1 capital - fully phased-in definition	33,384	34,014
Leverage ratio (transitional definition)	6.0%	6.0%
Leverage ratio (fully phased-in definition)	5.4%	5.4%

Risk Type	As of 31/12/2017 (EUR)	As of 30/06/2018 (EUR)
Credit risk	167,732	168,519
Securitisation and re-securitisations in the banking book	1,862	2,157
Contributions to the default fund of a CCP	63	63
Other credit risk	165,808	166,300
Market risk (position, foreign exchange and commodities)	3,751	3,647
Total Risk Exposure Amount	198,269	199,349

Item	As of 31/12/2017 (EUR)	As of 30/06/2018 (EUR)
Interest income	17,892	8,630
Interest expenses	9,050	4,358
Net Fee and commission income	1,915	981
Gains or losses on derecognition	65	58
Gains or losses on financial assets at fair value through profit or loss	146	109
Gains or losses from hedge accounting	235	100
Exchange differences	248	5
Net other operating income/(expenses)	127	57
Total Operating Income, Net	11,172	5,530
Administrative expenses	6,543	3,161
Depreciation	414	184
Profit or loss before tax from continuing operations	3,632	2,171
Profit or loss after tax from continuing operations	2,674	1,698
Profit or loss for the year	2,674	1,698

Category	As of 31/12/2017	As of 30/06/2018
Central governments or central banks	2,415	2,463
Corporates	11,104	10,838
Retail	5,954	5,890
Secured by mortgages on immovable property	5,411	5,756
Exposures in default	2,504	1,613
Standardised Total	28,758	27,443

Own Funds increased slightly from 51,923 to 51,995 EUR during the transitional period.
CET1 Capital increased from 31,263 to 31,425 EUR.
Capital Ratios remained stable, with the Common Equity Tier 1 Capital Ratio slightly decreasing from 15.77% to 15.76%.
Leverage Ratios remained consistent at 6.0% (transitional) and 5.4% (fully phased-in).
Total Risk Exposure Amount increased from 198,269 to 199,349 EUR.
P&L showed a significant decrease in operating income, from 11,172 to 5,530 EUR.
Market Risk remained relatively low, with commodities risk being the primary component.
Credit Risk under the standardised approach decreased slightly from 28,758 to 27,443 EUR.