Gains or (-) losses on financial assets held for trading
-78
-54
Gains or (-) losses on financial assets designated at fair value through profit or loss
0
0
Gains or (-) losses from hedge accounting
4
0
Exchange differences
72
44
Net other operating income/(expenses)
-33
-25
Total Operating Income, Net
5,705
2,767
Profit or (-) loss before tax from continuing operations
1,057
538
Profit or (-) loss after tax from continuing operations
730
376
Profit or (-) loss for the year
730
376
Of which attributable to owners of the parent
707
360
Credit Risk - Standardised Approach
Consolidated Data (France)
Risk Exposure Type
As of 31/12/2015 (mEUR)
As of 30/06/2016 (mEUR)
Central governments or central banks
109,303
111,941
Regional governments or local authorities
6,259
6,774
Public sector entities
184
463
Multilateral Development Banks
0
0
International Organisations
0
0
Institutions
7,996
8,021
Corporates
8,344
10,768
Of which: SME
2,028
2,352
Retail
54,838
56,539
Of which: SME
833
1,030
Secured by mortgages on immovable property
15,620
14,355
Of which: SME
765
893
Exposures in default
1,051
1,239
Items associated with particularly high risk
417
422
Covered bonds
2,669
2,082
Claims on institutions and corporates with a ST credit assessment
0
0
Collective investments undertakings (CIU)
261
143
Equity
4,576
4,211
Other exposures
4,524
4,096
Standardised Total
225,564
231,325
Germany
Risk Exposure Type
As of 31/12/2015 (mEUR)
As of 30/06/2016 (mEUR)
Central governments or central banks
2,181
3,666
Regional governments or local authorities
0
0
Public sector entities
0
0
Multilateral Development Banks
0
0
International Organisations
0
0
Institutions
637
896
Corporates
98
85
Of which: SME
0
0
Retail
1
1
Of which: SME
0
0
Secured by mortgages on immovable property
1
0
Of which: SME
0
0
Exposures in default
0
0
Items associated with particularly high risk
0
0
Covered bonds
36
36
Claims on institutions and corporates with a ST credit assessment
0
0
Collective investments undertakings (CIU)
0
0
Equity
0
0
Other exposures
0
0
Standardised Total
2
2
Belgium
Risk Exposure Type
As of 31/12/2015 (mEUR)
As of 30/06/2016 (mEUR)
Central governments or central banks
2,251
2,310
Regional governments or local authorities
0
0
Public sector entities
0
0
Multilateral Development Banks
0
0
International Organisations
0
0
Institutions
149
81
Corporates
0
1
Of which: SME
0
1
Retail
1
2
Of which: SME
0
0
Secured by mortgages on immovable property
4
4
Of which: SME
0
0
Exposures in default
0
0
Items associated with particularly high risk
0
0
Covered bonds
211
113
Claims on institutions and corporates with a ST credit assessment
0
0
Collective investments undertakings (CIU)
0
0
Equity
0
0
Other exposures
0
0
Standardised Total
2
2
Key Observations
The bank's own funds increased from 10,115 mEUR in December 2015 to 10,601 mEUR in June 2016.
CET1 capital rose from 7,155 mEUR to 7,328 mEUR, indicating an improvement in capital quality.
Tier 1 capital increased from 7,955 mEUR to 8,128 mEUR, and Tier 2 capital increased from 2,160 mEUR to 2,473 mEUR.
The capital ratios improved across all categories during the transitional period, with the total capital ratio rising from 18.66% to 19.41%.
Total risk exposure increased from 54,208 mEUR to 54,615 mEUR, primarily driven by market risk.
The P&L showed a decline in net operating income from 5,705 mln EUR in December 2015 to 2,767 mln EUR in June 2016, with a corresponding drop in profit after tax from 730 mln EUR to 376 mln EUR.
The standardised approach for credit risk provides detailed breakdowns of exposure types, with notable changes in corporate and retail exposure amounts.
