2018 EU-wide Transparency Exercise Summary: Svenska Handelsbanken - Group
Core Content Overview
This document provides detailed financial and regulatory information for Svenska Handelsbanken - group as part of the 2018 EU-wide Transparency Exercise, which is a regulatory reporting initiative by the European Banking Authority (EBA). The data includes capital structure, capital ratios, leverage ratios, risk exposure amounts, and profit and loss (P&L) details, all reported for two periods: As of 31/12/2017 and As of 30/06/2018.
Capital Structure and Ratios (Transitional Period)
| Item |
Description |
31/12/2017 (EUR) |
30/06/2018 (EUR) |
COREP Code |
Regulation |
| A |
Own Funds |
14,640 |
14,968 |
C:0.00 (010;010) |
Articles 4(118) and 72 of CRR |
| A.1 |
CET1 Capital |
11,756 |
11,327 |
C:0.00 (020;010) |
Article 50 of CRR |
| A.2 |
Tier 1 Capital |
12,950 |
12,541 |
C:0.00 (615;010) |
Article 25 of CRR |
| A.3 |
Tier 2 Capital |
1,691 |
2,427 |
C:0.00 (750;010) |
Article 71 of CRR |
Capital Ratios (Transitional Period)
- Common Equity Tier 1 (CET1) Ratio: 22.73% (31/12/2017) → 21.38% (30/06/2018)
- Tier 1 Capital Ratio: 25.04% (31/12/2017) → 23.67% (30/06/2018)
- Total Capital Ratio: 28.31% (31/12/2017) → 28.25% (30/06/2018)
Leverage Ratio
| Item |
Description |
31/12/2017 |
30/06/2018 |
COREP Code |
Regulation |
| A.1 |
Tier 1 Capital (Transitional Definition) |
12,950 |
12,541 |
C 47.00 (r320,c010) |
Article 429 of CRR |
| C.1 |
Leverage Ratio (Transitional Definition) |
4.6% |
4.2% |
C 47.00 (r340,c010) |
Article 429 of CRR |
| C.2 |
Leverage Ratio (Fully Phased-in Definition) |
4.5% |
4.1% |
C 47.00 (r330,c010) |
Article 429 of CRR |
Risk Exposure Amounts
| Risk Type |
31/12/2017 (EUR) |
30/06/2018 (EUR) |
| Credit Risk |
51,711 |
52,976 |
| Market Risk |
1,047 |
1,330 |
Breakdown of Market Risk Exposure
- Trade Debt Instruments: 1,025 (31/12/2017) → 1,299 (30/06/2018)
- Equities: 15 (31/12/2017) → 16 (30/06/2018)
- Commodities Risk: 6 (31/12/2017) → 14 (30/06/2018)
- Foreign Exchange Risk: 0 (31/12/2017) → 0 (30/06/2018)
- Total Market Risk Exposure: 1,047 (31/12/2017) → 1,330 (30/06/2018)
Profit and Loss (P&L) Overview
| Item |
31/12/2017 (EUR) |
30/06/2018 (EUR) |
| Interest Income |
5,578 |
2,834 |
| Interest Expenses |
2,571 |
1,373 |
| Net Fee and Commission Income |
847 |
411 |
| Total Operating Income, Net |
4,099 |
2,037 |
| Administrative Expenses |
1,821 |
921 |
| Depreciation |
62 |
34 |
| Profit or Loss Before Tax from Continuing Operations |
2,049 |
1,045 |
| Profit or Loss After Tax from Continuing Operations |
1,552 |
841 |
| Profit or Loss for the Year |
1,552 |
841 |
Credit Risk - Standardised Approach
Total Risk Exposure Amount
- As of 31/12/2017: 18,954 EUR
- As of 30/06/2018: 19,967 EUR
Key Exposure Categories
- Central Governments or Central Banks: 12 (31/12/2017) → 2 (30/06/2018)
- Corporates: 2,068 (31/12/2017) → 2,071 (30/06/2018)
- Retail: 3,223 (31/12/2017) → 3,571 (30/06/2018)
- Secured by Mortgages on Immovable Property: 10,959 (31/12/2017) → 11,611 (30/06/2018)
- Exposures in Default: 74 (31/12/2017) → 79 (30/06/2018)
- Equity: 692 (31/12/2017) → 598 (30/06/2018)
- Securitisation: 0 (31/12/2017) → 0 (30/06/2018)
- Other Exposures: 810 (31/12/2017) → 928 (30/06/2018)
Key Regulatory References
- CET1 Capital: Defined under Article 50 of CRR
- Tier 1 Capital: Defined under Article 25 of CRR
- Tier 2 Capital: Defined under Article 71 of CRR
- Leverage Ratio: Defined under Article 429 of CRR
- Transitional Adjustments: Covered under Articles 469 to 472, 478, and 481 of CRR
Summary of Trends
- CET1 Capital decreased slightly from 11,756 EUR to 11,327 EUR during the transitional period.
- Tier 1 Capital also decreased from 12,950 EUR to 12,541 EUR.
- Tier 2 Capital increased from 1,691 EUR to 2,427 EUR.
- Leverage Ratio decreased from 4.6% to 4.2% using the transitional definition.
- Total Risk Exposure Amount increased from 51,711 EUR to 52,976 EUR.
- Market Risk Exposure increased from 1,047 EUR to 1,330 EUR, mainly due to increased trade debt instruments and commodities risk.
- Credit Risk Exposure increased from 18,954 EUR to 19,967 EUR, with notable changes in corporate and retail exposures.
