Guideline (EU) 2025/2212 of the European Central Bank of 2 October 2025 amending Guideline (EU) 2021/833 on statistical information to be reported on consolidated banking data (ECB/2021/14) (ECB/2025/34)
Date: 2025-10-02
Institutions: European Central Bank
Subjects: EU statistics, central bank, consolidated account, data collection, disclosure of information, establishment, euro area, financial institution, financial statistics, technical specification




L_202502212EN.000101.fmx.xml












Official Journal of the European Union


EN
L series













2025/2212


21.11.2025







            GUIDELINE (EU) 2025/2212 OF THE EUROPEAN CENTRAL BANK
         
of 2 October 2025
         
amending Guideline (EU) 2021/833 on statistical information to be reported on consolidated banking data (ECB/2021/14) (ECB/2025/34)



THE GOVERNING COUNCIL OF THE EUROPEAN CENTRAL BANK,

Having regard to the Treaty on the Functioning of the European Union, and in particular Articles 127(2) and 127(5) thereof,


Having regard to the Statute of the European System of Central Banks and of the European Central Bank, and in particular Articles 5.1, 12.1 and 14.3 thereof,

Whereas:







(1)


Regulation (EU) 2024/1623 of the European Parliament and of the Council (1) amended Regulation (EU) No 575/2013 of the European Parliament and of the Council (2) to bring class 1 investment firms into the scope of prudential requirements applicable to credit institutions. To support financial stability analysis, macroprudential policy and structural analysis, consolidated banking data need to cover the full spectrum of the Union banking sector and it is therefore necessary to include class 1 investment firms in the statistical aggregates to account for this change. In particular, the benefits of ensuring full coverage of the Union banking sector by including class 1 investment firms in the statistical aggregates are deemed to outweigh the impact on the preservation of the time series continuity.












(2)


The compilation of consolidated banking data is, to a large extent, based on bank supervisory data as defined in the reporting frameworks of the European Banking Authority (EBA). With the creation of the Single Supervisory Mechanism, those data have become available to the European Central Bank (ECB) for Member States whose currency is the euro. Under certain circumstances, it is efficient to make use of those data available to the ECB to also perform aggregations required for compiling the statistical information set out in Guideline (EU) 2021/833 of the European Central Bank (ECB/2021/14) (3) through a central IT system. Centralised aggregation of statistics at the ECB can also enhance cross-country consistency of data. Provisions should be introduced to enable the aggregation by the ECB upon request by national central banks (NCBs) and in a manner that preserves accuracy and continuity of the statistical time series and safeguards the timely continuation of the statistical compilation process. Against this background, the ECB should carefully assess the NCBs’ requests to perform the centralised aggregation, verifying its feasibility on a case-by-case basis, and prioritise requests on the basis of specific and objective criteria. In particular, to ensure coverage for all entities within the scope of Guideline (EU) 2021/833 (ECB/2021/14), NCBs should report supplementary data as required.












(3)


Where the ECB performs the aggregation through its central IT system, it is also in the position to verify the completeness and reliability of the aggregated statistics. For this reason, it is efficient that the ECB performs the verification of the aggregated statistics, replacing the verification by NCBs. In this respect, as NCBs may be in possession of additional knowledge about individual banking entities, it is necessary that NCBs nominate designated contact persons for sharing that knowledge, where it is of relevance for the ECB’s verification of the aggregated statistics.












(4)


The EBA published reporting framework 4.0 (4) providing the standard specifications to support the supervisory reporting obligations, as set by Commission Implementing Regulation (EU) 2024/3117 (5), laying down implementing technical standards for the application of Regulation (EU) No 575/2013, as amended by Regulation (EU) 2024/1623. Adjustments to the reporting requirements set out in Guideline (EU) 2021/833 (ECB/2021/14) are therefore required as a result of the introduction of that reporting framework, in particular in the area of risk exposure amounts. Furthermore, analysis of the usage of the consolidated banking data has revealed that aggregated statistics on large exposures are not essential for the purposes of financial stability analysis, macroprudential policy and structural analysis. It is therefore appropriate to reduce the reporting burden on NCBs by no longer requiring the compilation of such data. Annexes I and II of Guideline (EU) 2021/833 (ECB/2021/14) should therefore be replaced and the statistical information to be reported should be updated. The technical specifications for the reporting of this statistical information are included in operational instructions that are shared with NCBs before every round of production of the statistics.












(5)


Therefore, Guideline (EU) 2021/833 (ECB/2021/14) should be amended accordingly,





HAS ADOPTED THIS GUIDELINE:



Article 1

Amendments

Guideline (EU) 2021/833 (ECB/2021/14) is amended as follows:






(1)


in Article 2, point (1) is replaced by the following:






‘(1)


“credit institution” means a credit institution as defined in Article 4(1), point (1), of Regulation (EU) No 575/2013;’;














(2)


in Article 2, point (11) is replaced by the following:






‘(11)


“financial institution” means a financial institution as defined in Article 4(1), point (26), of Regulation (EU) No 575/2013;’;














(3)


in Article 2, point (12) is replaced by the following:






‘(12)


“foreign control” means the control, as described in Article 4(1), point (37), of Regulation (EU) No 575/2013, of the entities included in Article 3(1) of this Guideline, by any of the following:






(a)


a financial institution established in a Member State other than the Member State of the relevant entity;










(b)


a credit institution established in a Member State other than the Member State of the relevant entity;










(c)


an institution established in a non-Union country the business of which consists of the activities of a credit institution or a financial institution as defined in points (1) and (11) respectively.’;


















(4)


in Article 3, paragraph 1 is replaced by the following:

‘1.   NCBs shall report to the ECB the statistical information set out in Annex I and Annex II to this Guideline on the number of reporting institutions, profitability and efficiency, balance sheet, asset quality, concentration, liquidity and funding, own funds, risk exposure amounts and solvency in accordance with the technical specifications included in the reporting package shared with the NCBs before each production round. NCBs shall report the statistical information separately, for the groups of institutions specified in paragraph 3, including all of the following:






(a)


a Union parent institution on a consolidated basis;










(b)


a Union parent financial holding company on a consolidated basis;










(c)


a Union parent mixed financial holding company on a consolidated basis;










(d)


a parent institution on a sub-consolidated basis;










(e)


a parent financial holding company on a sub-consolidated basis;










(f)


a parent mixed financial holding company on a sub-consolidated basis;










(g)


a credit institution that does not form part of the consolidated or sub-consolidated basis of an institution referred to in points (a) to (f) in any Member State;










(h)


a credit institution, where both of the following apply:






(i)


the credit institution does not form part of the consolidated or sub-consolidated basis of an institution referred to in points (a) to (f) established in the Member State of the credit institution;










(ii)


the credit institution forms part of the consolidated or sub-consolidated basis of an institution referred to in points (a) to (f) established in a Member State other than the Member State of the credit institution;














(i)


a branch established in the Union where its parent is not established in the same Member State.’




;









(5)


in Article 3, paragraph 2 is replaced by the following:

‘2.   The statistical information to be reported pursuant to paragraph 1 shall be based on the information collected by NCBs pursuant to Commission Implementing Regulation (EU) 2024/3117 (*1), Regulation (EU) 2015/534 of the European Central Bank (ECB/2015/13), and related national instruments. NCBs shall aggregate that information for the purposes of this Guideline unless Article 3a(1) applies.


(*1)  Commission Implementing Regulation (EU) 2024/3117 of 29 November 2024 laying down implementing technical standards for the application of Regulation (EU) No 575/2013 of the European Parliament and of the Council with regard to supervisory reporting of institutions and repealing Commission Implementing Regulation (EU) 2021/451 (OJ L, 2024/3117, 27.12.2024, ELI: http://data.europa.eu/eli/reg_impl/2024/3117/oj).’;"
                        










(6)


in Article 3, paragraph 5 is replaced by the following:

‘5.   NCBs shall provide explanations to the ECB describing any deviation from the reporting standards applied pursuant to Commission Implementing Regulation (EU) 2024/3117, Regulation (EU) 2015/534 of the European Central Bank (ECB/2015/13) or in the related national instruments referred to in paragraph 2, without undue delay.’
;









(7)


the following Article 3a is inserted:

‘Article 3a
Aggregation by the ECB

1.   The ECB shall aggregate the statistical information collected pursuant to Commission Implementing Regulation (EU) 2024/3117, Regulation (EU) 2015/534 of the European Central Bank (ECB/2015/13) as referred to in Article 3(2), and the statistical information referred to in paragraph 2, point (a), of this Article, where all of the following conditions are met:






(a)


NCBs make a written request to the ECB that the ECB is to carry out the aggregation, including a proposal for an implementation timetable;










(b)


the ECB assesses requests received from NCBs on the basis of the following criteria:






(i)


eligibility criteria:






(1)


the requesting NCB is capable of reporting the complete set of information required for the aggregations referred to in Article 3(2) for all entities listed in Article 3(1);










(2)


the requesting NCB designates one or more contact persons, amongst its staff, responsible for answering questions from the ECB concerning the entities listed in Article 3(1);














(ii)


assessment criteria:






(1)


the extent and level of alignment between historical consolidated banking data aggregates calculated and reported by the requesting NCB pursuant to Article 3 and corresponding outputs calculated by the ECB’s system for carrying out the aggregation is sufficient to preserve continuity in the ECB statistical time series;










(2)


sufficient resources are available, at the level of both the ECB and the requesting NCB, to safeguard the timely continuation of the compilation of the statistics;










(3)


the proposal for an implementation timetable can be implemented, subject to any changes that are necessary to address resource constraints of the ECB;














(iii)


prioritisation criterion:






(1)


the date on which the request was received by the ECB. Where requests are assessed in accordance with the criteria set out in points (i) and (ii) as being of equal merit, the ECB shall prioritise the earlier requests;


















(c)


the ECB accepts an NCB’s request to carry out the aggregation where it concludes that the criteria specified in point (b) are met.






2.   Where the ECB aggregates, pursuant to paragraph 1, the statistical information referred to in Article 3(2) for all entities listed in Article 3(1), the NCB shall:






(a)


supplement that information as required;










(b)


transmit the information via means specified by the ECB and in accordance with the definitions, remittance dates, data quality and transmission format set out in Decision (EU) 2023/1681 of the European Central Bank (ECB/2023/18) (*2) and Regulation (EU) 2015/534 (ECB/2015/13);










(c)


report and transmit the information to the ECB, in accordance with points (a) and (b), until either the ECB or the relevant NCB notifies the other party of its intention that the NCB shall report aggregated statistical information pursuant to Article 3 and the other party accepts. The NCB and the ECB shall then determine the timetable for the NCB to begin reporting aggregated statistical information.







(*2)  Decision (EU) 2023/1681 of the European Central Bank of 17 August 2023 on the provision to the European Central Bank of supervisory data reported to the national competent authorities by the supervised entities (ECB/2023/18) (OJ L 216, 1.9.2023, p. 105, ELI: http://data.europa.eu/eli/dec/2023/1681/oj).’;"
                        










(8)


in Article 4, paragraph 1 is replaced by the following:

‘1.   Where NCBs report aggregated statistical information on consolidated banking data pursuant to Article 3, they shall report that information on a quarterly basis and in accordance with the following timetable:






(a)


a full dataset shall be reported for end-of-year statistical information by mid-May of the year following the year to which the information relates, using the annual template set out in Annex I to this Guideline;










(b)


the end-March, end-June and end-September statistical information shall be reported in early July, October and January, respectively, using the quarterly template set out in Annex II to this Guideline.’




;









(9)


in Article 5, paragraph 1 is replaced by the following:

‘1.   NCBs, and, where Article 3a(1) applies, the ECB, may revise the latest and previous quarter’s statistical information before the next reporting deadline, during regular reporting.’
;









(10)


in Article 5, paragraph 2 is replaced by the following:

‘2.   NCBs, and, where Article 3a(1) applies, the ECB, may revise statistical information covering previous reference periods at any time where this significantly improves the quality of that information.’
;









(11)


in Article 6, paragraph 1 is replaced by the following:

‘1.   Without prejudice to Regulation (EC) No 2533/98, NCBs shall monitor and verify the quality, completeness and reliability of statistical information reported to the ECB pursuant to this Guideline.
The first subparagraph shall not apply where the ECB aggregates statistical information pursuant to Article 3a.’
;









(12)


in Article 6, the following paragraph 3 is added:

‘3.   Where the ECB aggregates statistical information pursuant to Article 3a, the ECB shall verify the quality, completeness and reliability of the statistical aggregates.
Where the ECB requests clarifications concerning the quality, completeness and reliability of the data transmitted in accordance with Article 3a(2), the contact person(s), designated by the relevant NCB in accordance with Article 3a(1), point (b)(i)(2), shall respond without undue delay.’
;









(13)


in Article 7, paragraph 1 is replaced by the following:

‘1.   NCBs shall transmit the statistical information to be reported pursuant to Article 3 electronically, using the means specified by the ECB. The statistical message format developed for this electronic exchange of statistical information shall be the format agreed by the ESCB.’
;









(14)


in Article 7, paragraph 2 is deleted;










(15)


Annexes I and II are replaced by the Annexes to this Guideline.






Article 2

Taking effect

This Guideline shall take effect on the day of its notification to the national central banks of the Member States whose currency is the euro.


Article 3

Addressees

This Guideline is addressed to all Eurosystem central banks.




Done at Frankfurt am Main, 2 October 2025.


For the Governing Council of the ECB


The President of the ECB

Christine LAGARDE
            





(1)  Regulation (EU) 2024/1623 of the European Parliament and of the Council of 31 May 2024 amending Regulation (EU) No 575/2013 as regards requirements for credit risk, credit valuation adjustment risk, operational risk, market risk and the output floor (OJ L, 2024/1623, 19.6.2024, ELI: http://data.europa.eu/eli/reg/2024/1623/oj).

(2)  Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p. 1, ELI: http://data.europa.eu/eli/reg/2013/575/oj).

(3)  Guideline (EU) 2021/833 of the European Central Bank of 26 March 2021 on statistical information to be reported on consolidated banking data (ECB/2021/14) (OJ L 208, 11.6.2021, p. 109, ELI: http://data.europa.eu/eli/guideline/2021/833/oj).

(4)  
            Reporting framework 4.0 | European Banking Authority.

(5)  Commission Implementing Regulation (EU) 2024/3117 of 29 November 2024 laying down implementing technical standards for the application of Regulation (EU) No 575/2013 of the European Parliament and of the Council with regard to supervisory reporting of institutions and repealing Commission Implementing Regulation (EU) 2021/451 (OJ L, 2024/3117, 27.12.2024, ELI: http://data.europa.eu/eli/reg_impl/2024/3117/oj).




ANNEX I
The data identified in white cells is reported on a mandatory basis.
The data identified in grey cells is reported on a voluntary basis. NCBs can report it, if available.

REPORTERS

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Section LE. Reporting population




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





No. of stand alone credit institutions


 


 


 


 


 


 


 


 


 


 


 




No. of credit institutions consolidated in banking groups


 


 


 


 


 


 


 


 


 


 


 




No. of banking groups


 


 


 


 


 


 


 


 


 


 


 




Total number of credit institutions


 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - IFRS FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Interest income



 


 


 


 


 


 


 


 


 


 


 





Financial assets held for trading



 


 


 


 


 


 


 


 


 


 


 





Non-trading financial assets mandatorily at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Financial assets designated at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 





Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 





Derivatives - Hedge accounting, interest rate risk



 


 


 


 


 


 


 


 


 


 


 





Other assets



 


 


 


 


 


 


 


 


 


 


 





Interest income on liabilities



 


 


 


 


 


 


 


 


 


 


 





(Interest expenses)



 


 


 


 


 


 


 


 


 


 


 





(Financial liabilities held for trading )



 


 


 


 


 


 


 


 


 


 


 





(Financial liabilities designated at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Financial liabilities measured at amortised cost)



 


 


 


 


 


 


 


 


 


 


 





(Derivatives - Hedge accounting, interest rate risk)



 


 


 


 


 


 


 


 


 


 


 





(Other liabilities)



 


 


 


 


 


 


 


 


 


 


 





(Interest expense on assets)



 


 


 


 


 


 


 


 


 


 


 





(Expenses on share capital repayable on demand)



 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Fee and commission income



 


 


 


 


 


 


 


 


 


 


 





(Fee and commission expenses)



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on derecognition of financial assets & liabilities not measured at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial assets and liabilities held for trading, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on non-trading financial assets mandatorily at fair value through profit or loss, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses from hedge accounting, net



 


 


 


 


 


 


 


 


 


 


 





Exchange differences, net



 


 


 


 


 


 


 


 


 


 


 





Gains (losses) on derecognition of assets other than held for sale, net



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





(Other operating expenses)



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Administration costs)



 


 


 


 


 


 


 


 


 


 


 





(Staff expenses)



 


 


 


 


 


 


 


 


 


 


 





(Other administrative expenses)



 


 


 


 


 


 


 


 


 


 


 





(Depreciation)



 


 


 


 


 


 


 


 


 


 


 





Modification gains or (-) losses, net



 


 


 


 


 


 


 


 


 


 


 





(Provisions or (-) reversal of provisions)



 


 


 


 


 


 


 


 


 


 


 




(Commitments and guarantees given)


 


 


 


 


 


 


 


 


 


 


 




(Other provisions)


 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Financial assets at fair value through other comprehensive income)



 


 


 


 


 


 


 


 


 


 


 





(Financial assets at amortised cost)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment of investments in subsidiaries, joint ventures and associates)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on non-financial assets)



 


 


 


 


 


 


 


 


 


 


 





(Property, plant and equipment)



 


 


 


 


 


 


 


 


 


 


 





(Investment properties)



 


 


 


 


 


 


 


 


 


 


 





(Goodwill)



 


 


 


 


 


 


 


 


 


 


 





(Intangible assets [other than goodwill])



 


 


 


 


 


 


 


 


 


 


 





(Other)



 


 


 


 


 


 


 


 


 


 


 





Negative goodwill recognised in profit or loss



 


 


 


 


 


 


 


 


 


 


 





Share of the profit or (-) loss of investments in subsidiaries, joint ventures and associates



 


 


 


 


 


 


 


 


 


 


 





Profit or (-) loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 




(Tax expense or (-) income related to profit or loss from continuing operations)


 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





Profit or (-) loss after tax from discontinued operations



 


 


 


 


 


 


 


 


 


 


 




Profit or (-) loss before tax from discontinued operations


 


 


 


 


 


 


 


 


 


 


 




(Tax expense or (-) income related to discontinued operations)


 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 




attributable to minority interest


 


 


 


 


 


 


 


 


 


 


 




Attributable to owners of the parent


 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - GAAP FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Interest income



 


 


 


 


 


 


 


 


 


 


 





(Interest expenses)



 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Fee and commission income



 


 


 


 


 


 


 


 


 


 


 





(Fee and commission expenses)



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on derecognition of financial assets & liabilities not measured at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on trading financial assets and liabilities, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on non-trading financial assets and liabilities, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses from hedge accounting, net



 


 


 


 


 


 


 


 


 


 


 





Exchange differences, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on derecognition of investments in subsidiaries, joint ventures and associates, net



 


 


 


 


 


 


 


 


 


 


 





Gains (losses) on derecognition of assets other than held for sale, net



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





(Other operating expenses)



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Administration costs)



 


 


 


 


 


 


 


 


 


 


 





(Staff expenses)



 


 


 


 


 


 


 


 


 


 


 





(Other administrative expenses)



 


 


 


 


 


 


 


 


 


 


 





(Depreciation)



 


 


 


 


 


 


 


 


 


 


 





Modification gains or (-) losses, net



 


 


 


 


 


 


 


 


 


 


 





(Provisions or (-) reversal of provisions)



 


 


 


 


 


 


 


 


 


 


 




(Commitments and guarantees given)


 


 


 


 


 


 


 


 


 


 


 




(Other provisions)


 


 


 


 


 


 


 


 


 


 


 





(Increases or (-) decreases of the fund for general banking risks, net)



 


 


 


 


 


 


 


 


 


 


 





(Impairment on financial assets not measured at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment of investments in subsidiaries, joint ventures and associates)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on non-financial assets)



 


 


 


 


 


 


 


 


 


 


 





(Property, plant and equipment)



 


 


 


 


 


 


 


 


 


 


 





(Investment properties)



 


 


 


 


 


 


 


 


 


 


 





(Goodwill)



 


 


 


 


 


 


 


 


 


 


 





(Intangible assets [other than goodwill])



 


 


 


 


 


 


 


 


 


 


 





(Other)



 


 


 


 


 


 


 


 


 


 


 





Negative goodwill recognised in profit or loss



 


 


 


 


 


 


 


 


 


 


 





Share of the profit or (-) loss of investments in subsidiaries, joint ventures and associates



 


 


 


 


 


 


 


 


 


 


 





Profit or (-) loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 




(Tax expense or (-) income related to profit or loss from continuing operations)


 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





Extraordinary profit or (-) loss after tax



 


 


 


 


 


 


 


 


 


 


 




Extraordinary profit or loss before tax


 


 


 


 


 


 


 


 


 


 


 




(Tax expense or (-) income related to extraordinary profit or loss)


 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 




attributable to minority interest


 


 


 


 


 


 


 


 


 


 


 




Attributable to owners of the parent


 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Net interest income



 


 


 


 


 


 


 


 


 


 


 




Interest income


 


 


 


 


 


 


 


 


 


 


 




(Interest expenses)


 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Net fee and commission income



 


 


 


 


 


 


 


 


 


 


 




Fee and commission income


 


 


 


 


 


 


 


 


 


 


 




(Fee and commission expenses)


 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial instruments and exchange rate differences, excluding impairments



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





(Other operating expenses)



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Administration costs)



 


 


 


 


 


 


 


 


 


 


 





(Staff expenses)



 


 


 


 


 


 


 


 


 


 


 





(Other administrative expenses)



 


 


 


 


 


 


 


 


 


 


 





(Depreciation)



 


 


 


 


 


 


 


 


 


 


 





(Provisions or (-) reversal of provisions)



 


 


 


 


 


 


 


 


 


 


 





(Impairment on financial assets not measured at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on non-financial assets)



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - FULL SAMPLE

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Net interest income



 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Net fee and commission income



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial instruments and exchange rate differences, excluding impairments



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Total operating expenses)



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 





FINREP-IFRS

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Return on Equity (RoE)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





No. of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 





FINREP-GAAP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Return on Equity (RoE)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





No. of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 





Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Return on Equity (RoE)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





No. of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 





Full sample

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Return on Equity (RoE)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





No. of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




No. of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE < 0


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 0-5 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 5-10 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 10-15 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE 15-20 %


 


 


 


 


 


 


 


 


 


 


 




% of total banking assets of institutions with RoE >20 %


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - IFRS FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Financial assets held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Non-trading financial assets mandatorily at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Financial assets designated at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Derivatives–Hedge accounting



 


 


 


 


 


 


 


 


 


 


 





Fair value changes of the hedged items in portfolio hedge of interest rate risk



 


 


 


 


 


 


 


 


 


 


 





Investments in associates, subsidiaries and joint ventures



 


 


 


 


 


 


 


 


 


 


 





Tangible assets



 


 


 


 


 


 


 


 


 


 


 





Intangible assets



 


 


 


 


 


 


 


 


 


 


 





Tax assets



 


 


 


 


 


 


 


 


 


 


 





Current tax assets



 


 


 


 


 


 


 


 


 


 


 





Deferred tax assets



 


 


 


 


 


 


 


 


 


 


 





Other assets



 


 


 


 


 


 


 


 


 


 


 





Non-current assets and disposal groups classified as held for sale



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial liabilities held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Short positions



 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities held for trading



 


 


 


 


 


 


 


 


 


 


 





Financial liabilities designated at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities designated at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Financial liabilities measured at amortised cost



 


 


 


 


 


 


 


 


 


 


 





Deposit



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities measured at amortised cost



 


 


 


 


 


 


 


 


 


 


 





Derivatives–Hedge accounting



 


 


 


 


 


 


 


 


 


 


 





Fair value changes of the hedged items in portfolio hedge of interest rate risk



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





Tax liabilities



 


 


 


 


 


 


 


 


 


 


 





Current tax liabilities



 


 


 


 


 


 


 


 


 


 


 





Deferred tax liabilities



 


 


 


 


 


 


 


 


 


 


 





Other liabilities



 


 


 


 


 


 


 


 


 


 


 





Share capital repayable on demand (e.g. cooperative shares)



 


 


 


 


 


 


 


 


 


 


 





Liabilities included in disposal groups classified as held for sale



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





Share premium



 


 


 


 


 


 


 


 


 


 


 





Equity instruments issued other than capital



 


 


 


 


 


 


 


 


 


 


 





Other Equity



 


 


 


 


 


 


 


 


 


 


 





Accumulated other comprehensive income



 


 


 


 


 


 


 


 


 


 


 





Retained earnings



 


 


 


 


 


 


 


 


 


 


 





Revaluation reserves



 


 


 


 


 


 


 


 


 


 


 





Other Reserves



 


 


 


 


 


 


 


 


 


 


 





(Treasury shares)



 


 


 


 


 


 


 


 


 


 


 





Profit or loss attributable to owners of the parent



 


 


 


 


 


 


 


 


 


 


 





(Interim dividends)



 


 


 


 


 


 


 


 


 


 


 





Minority interest



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Loan commitments, financial guarantees and other commitments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Given



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 




Other commitments


 


 


 


 


 


 


 


 


 


 


 





Received



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 




Other commitments


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - GAAP FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Financial assets held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 






Non-trading non-derivative financial assets measured at fair value through profit or loss




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loan and advances



 


 


 


 


 


 


 


 


 


 


 






Non-trading non-derivative financial assets measured at fair value to equity




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loan and advances



 


 


 


 


 


 


 


 


 


 


 






Non-trading debt instruments measured at a cost-based method




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 






Other non-trading non-derivative financial assets




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Derivatives–Hedge accounting



 


 


 


 


 


 


 


 


 


 


 





Fair value changes of the hedged items in portfolio hedge of interest rate risk



 


 


 


 


 


 


 


 


 


 


 





Investments in associates, subsidiaries and joint ventures



 


 


 


 


 


 


 


 


 


 


 





Tangible assets



 


 


 


 


 


 


 


 


 


 


 





Intangible assets



 


 


 


 


 


 


 


 


 


 


 





Tax assets



 


 


 


 


 


 


 


 


 


 


 





Current tax assets



 


 


 


 


 


 


 


 


 


 


 





Deferred tax assets



 


 


 


 


 


 


 


 


 


 


 





Other assets



 


 


 


 


 


 


 


 


 


 


 





Non-current assets and disposal groups classified as held for sale



 


 


 


 


 


 


 


 


 


 


 





(-) Haircuts for trading assets at fair value



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial liabilities held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Short positions



 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities held for trading



 


 


 


 


 


 


 


 


 


 


 






Non-trading non-derivative financial liabilities measured at a cost-based method




 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities



 


 


 


 


 


 


 


 


 


 


 





Derivatives–Hedge accounting



 


 


 


 


 


 


 


 


 


 


 





Fair value changes of the hedged items in portfolio hedge of interest rate risk



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





Tax liabilities



 


 


 


 


 


 


 


 


 


 


 





Current tax liabilities



 


 


 


 


 


 


 


 


 


 


 





Deferred tax liabilities



 


 


 


 


 


 


 


 


 


 


 





Other liabilities



 


 


 


 


 


 


 


 


 


 


 





Share capital repayable on demand (e.g. cooperative shares)



 


 


 


 


 


 


 


 


 


 


 





Liabilities included in disposal groups classified as held for sale



 


 


 


 


 


 


 


 


 


 


 





Haircuts for trading liabilities at fair value



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





Share premium



 


 


 


 


 


 


 


 


 


 


 





Equity instruments issued other than capital



 


 


 


 


 


 


 


 


 


 


 





Other Equity



 


 


 


 


 


 


 


 


 


 


 





Accumulated other comprehensive income



 


 


 


 


 


 


 


 


 


 


 





Retained earnings



 


 


 


 


 


 


 


 


 


 


 





Revaluation reserves



 


 


 


 


 


 


 


 


 


 


 





Fair value reserves



 


 


 


 


 


 


 


 


 


 


 





Other Reserves



 


 


 


 


 


 


 


 


 


 


 





First consolidation differences



 


 


 


 


 


 


 


 


 


 


 





(Treasury shares)



 


 


 


 


 


 


 


 


 


 


 





Profit or loss attributable to owners of the parent



 


 


 


 


 


 


 


 


 


 


 





(Interim dividends)



 


 


 


 


 


 


 


 


 


 


 





Minority interest



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Loan commitments, financial guarantees and other commitments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Given



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 




Other commitments


 


 


 


 


 


 


 


 


 


 


 





Received



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 




Other commitments


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Residual assets



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 





Memorandum items



 


 


 


 


 


 


 


 


 


 


 




Financial assets held for trading


 


 


 


 


 


 


 


 


 


 


 




Investments in associates, subsidiaries and joint ventures


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





Residual liabilities



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - FULL SAMPLE

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks



 


 


 


 


 


 


 


 


 


 


 





Loans and advances (excluding cash balances at central banks and other demand deposits)



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Residual assets



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 





Memorandum items



 


 


 


 


 


 


 


 


 


 


 




Financial assets held for trading


 


 


 


 


 


 


 


 


 


 


 




Investments in associates, subsidiaries and joint ventures


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





Residual liabilities



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - IFRS FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 




of which: credit institutions


 


 


 


 


 


 


 


 


 


 


 




of which: other financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: non-financial corporations


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Memorandum items




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Subordinated financial liabilities



 


 


 


 


 


 


 


 


 


 


 




Deposits


 


 


 


 


 


 


 


 


 


 


 




Debt securities issued


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - GAAP FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 




of which: credit institutions


 


 


 


 


 


 


 


 


 


 


 




of which: other financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: non-financial corporations


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Memorandum items




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Subordinated financial liabilities



 


 


 


 


 


 


 


 


 


 


 




Deposits


 


 


 


 


 


 


 


 


 


 


 




Debt securities issued


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - FULL SAMPLE

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Forborne exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Cash balances at central banks and other demand deposits - Gross carrying amount of exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of non-performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of non-performing exposures with forbearance measures of which forbearance of non-performing exposures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - non-performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of non-performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of non-performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - non-performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of non-performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of non-performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - non-performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of performing exposures - Not past due or Past due <= 30 days




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of performing exposures - Past due > 30 days <= 90 days




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of non-performing exposures - Unlikely to pay that are not past-due or past-due < = 90 days




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of non-performing exposures - Past due > 90 days <= 180 days




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of non-performing exposures - Past due > 180 days <= 1 year




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of non-performing exposures - Past due > 1 year




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of non-performing exposures - Of which: defaulted




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment, accumulated changes in fair value due to credit risk and provisions




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment, accumulated changes in fair value due to credit risk and provisions on performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment, accumulated changes in fair value due to credit risk and provisions on non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Collateral received on non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Financial guarantees received on non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 





IFRS-FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Gross carrying amount - Assets without significant increase in credit risk since initial recognition (Stage 1)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Gross carrying amount - Assets with significant increase in credit risk since initial recognition but not credit-impaired (Stage 2)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Gross carrying amount - Credit-impaired assets (Stage 3)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 





Accumulated impairment - Assets without significant increase in credit risk since initial recognition (Stage 1)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (subconsolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-significant






Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment - Assets with significant increase in credit risk since initial recognition but not credit-impaired (Stage 2)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment - Credit-impaired assets (Stage 3)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





GAAP-FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Impaired debt instruments - Non-trading non-derivative debt instruments measured at a cost-based method




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Total gross carrying amount of impaired assets


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 




Specific allowances for credit risk


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 




General allowances for credit risk and banking risk affecting carrying amount


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Gross carrying amount


 


 


 


 


 


 


 


 


 


 


 




Performing exposures


 


 


 


 


 


 


 


 


 


 


 




Non-performing exposures


 


 


 


 


 


 


 


 


 


 


 




Forborne exposures


 


 


 


 


 


 


 


 


 


 


 




Accumulated impairment, accumulated changes in fair value due to credit risk and provisions


 


 


 


 


 


 


 


 


 


 


 





Geographical concentration

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total original exposure value




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




UK


 


 


 


 


 


 


 


 


 


 


 




NO


 


 


 


 


 


 


 


 


 


 


 




US (United States)


 


 


 


 


 


 


 


 


 


 


 




HK (Hong Kong)


 


 


 


 


 


 


 


 


 


 


 




BR (Brazil)


 


 


 


 


 


 


 


 


 


 


 




CN (China)


 


 


 


 


 


 


 


 


 


 


 




JP (Japan)


 


 


 


 


 


 


 


 


 


 


 




CH (Switzerland)


 


 


 


 


 


 


 


 


 


 


 




MX (Mexico)


 


 


 


 


 


 


 


 


 


 


 




AU (Australia)


 


 


 


 


 


 


 


 


 


 


 




SG (Singapore)


 


 


 


 


 


 


 


 


 


 


 




TR (Turkey)


 


 


 


 


 


 


 


 


 


 


 




RU (Russian federation)


 


 


 


 


 


 


 


 


 


 


 




KY (Cayman Islands)


 


 


 


 


 


 


 


 


 


 


 




IN (India)


 


 


 


 


 


 


 


 


 


 


 




KR (South Korea)


 


 


 


 


 


 


 


 


 


 


 




ZA (South Africa)


 


 


 


 


 


 


 


 


 


 


 




CA (Canada)


 


 


 


 


 


 


 


 


 


 


 




Memorandum items


 


 


 


 


 


 


 


 


 


 


 





Non-domestic original exposure



 


 


 


 


 


 


 


 


 


 


 





Total original exposure



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total exposures in default




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or sta.nd alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




UK


 


 


 


 


 


 


 


 


 


 


 




NO


 


 


 


 


 


 


 


 


 


 


 




US (United States)


 


 


 


 


 


 


 


 


 


 


 




HK (Hong Kong)


 


 


 


 


 


 


 


 


 


 


 




BR (Brazil)


 


 


 


 


 


 


 


 


 


 


 




CN (China)


 


 


 


 


 


 


 


 


 


 


 




JP (Japan)


 


 


 


 


 


 


 


 


 


 


 




CH (Switzerland)


 


 


 


 


 


 


 


 


 


 


 




MX (Mexico)


 


 


 


 


 


 


 


 


 


 


 




AU (Australia)


 


 


 


 


 


 


 


 


 


 


 




SG (Singapore)


 


 


 


 


 


 


 


 


 


 


 




TR (Turkey)


 


 


 


 


 


 


 


 


 


 


 




RU (Russian federation)


 


 


 


 


 


 


 


 


 


 


 




KY (Cayman Islands)


 


 


 


 


 


 


 


 


 


 


 




IN (India)


 


 


 


 


 


 


 


 


 


 


 




KR (South Korea)


 


 


 


 


 


 


 


 


 


 


 




ZA (South Africa)


 


 


 


 


 


 


 


 


 


 


 




CA (Canada)


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total exposure value




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




UK


 


 


 


 


 


 


 


 


 


 


 




NO


 


 


 


 


 


 


 


 


 


 


 




US (United States)


 


 


 


 


 


 


 


 


 


 


 




HK (Hong Kong)


 


 


 


 


 


 


 


 


 


 


 




BR (Brazil)


 


 


 


 


 


 


 


 


 


 


 




CN (China)


 


 


 


 


 


 


 


 


 


 


 




JP (Japan)


 


 


 


 


 


 


 


 


 


 


 




CH (Switzerland)


 


 


 


 


 


 


 


 


 


 


 




MX (Mexico)


 


 


 


 


 


 


 


 


 


 


 




AU (Australia)


 


 


 


 


 


 


 


 


 


 


 




SG (Singapore)


 


 


 


 


 


 


 


 


 


 


 




TR (Turkey)


 


 


 


 


 


 


 


 


 


 


 




RU (Russian federation)


 


 


 


 


 


 


 


 


 


 


 




KY (Cayman Islands)


 


 


 


 


 


 


 


 


 


 


 




IN (India)


 


 


 


 


 


 


 


 


 


 


 




KR (South Korea)


 


 


 


 


 


 


 


 


 


 


 




ZA (South Africa)


 


 


 


 


 


 


 


 


 


 


 




CA (Canada)


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total exposures collateralized by immovable residential property




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




Non-EU countries


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total exposures collateralized by immovable commercial property




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




Non-EU countries


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Domestic activities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Loans and advances


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Total assets


 


 


 


 


 


 


 


 


 


 


 




Deposits


 


 


 


 


 


 


 


 


 


 


 




Debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Total liabilities


 


 


 


 


 


 


 


 


 


 


 




Interest income


 


 


 


 


 


 


 


 


 


 


 




(Interest expense)


 


 


 


 


 


 


 


 


 


 


 




Total operating income, net


 


 


 


 


 


 


 


 


 


 


 




Profit or loss for the year


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Non-domestic activities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Loans and advances


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Total assets


 


 


 


 


 


 


 


 


 


 


 




Deposits


 


 


 


 


 


 


 


 


 


 


 




Debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Total liabilities


 


 


 


 


 


 


 


 


 


 


 




Interest income


 


 


 


 


 


 


 


 


 


 


 




(Interest expense)


 


 


 


 


 


 


 


 


 


 


 




Total operating income, net


 


 


 


 


 


 


 


 


 


 


 




Profit or loss for the year


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to central banks




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





On demand [call] and short notice [current account]


 


 


 


 


 


 


 


 


 


 


 




Credit card debt


 


 


 


 


 


 


 


 


 


 


 




Finance leases


 


 


 


 


 


 


 


 


 


 


 




Reverse repurchase loans


 


 


 


 


 


 


 


 


 


 


 




Other term loans


 


 


 


 


 


 


 


 


 


 


 




Advances that are not loans


 


 


 


 


 


 


 


 


 


 


 





LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to general governments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





On demand [call] and short notice [current account]


 


 


 


 


 


 


 


 


 


 


 




Credit card debt


 


 


 


 


 


 


 


 


 


 


 




Trade receivables


 


 


 


 


 


 


 


 


 


 


 




Finance leases


 


 


 


 


 


 


 


 


 


 


 




Reverse repurchase loans


 


 


 


 


 


 


 


 


 


 


 




Other term loans


 


 


 


 


 


 


 


 


 


 


 




Advances that are not loans


 


 


 


 


 


 


 


 


 


 


 





LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to credit institutions




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





On demand [call] and short notice [current account]


 


 


 


 


 


 


 


 


 


 


 




Credit card debt


 


 


 


 


 


 


 


 


 


 


 




Trade receivables


 


 


 


 


 


 


 


 


 


 


 




Finance leases


 


 


 


 


 


 


 


 


 


 


 




Reverse repurchase loans


 


 


 


 


 


 


 


 


 


 


 




Other term loans


 


 


 


 


 


 


 


 


 


 


 




Advances that are not loans


 


 


 


 


 


 


 


 


 


 


 





LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to other financial corporations




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





On demand [call] and short notice [current account]


 


 


 


 


 


 


 


 


 


 


 




Credit card debt


 


 


 


 


 


 


 


 


 


 


 




Trade receivables


 


 


 


 


 


 


 


 


 


 


 




Finance leases


 


 


 


 


 


 


 


 


 


 


 




Reverse repurchase loans


 


 


 


 


 


 


 


 


 


 


 




Other term loans


 


 


 


 


 


 


 


 


 


 


 




Advances that are not loans


 


 


 


 


 


 


 


 


 


 


 





LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




Memorandum items: Maximum amount of the collateral/guarantee that can be considered


 


 


 


 


 


 


 


 


 


 


 




Loans collateralized by immovable property


 


 


 


 


 


 


 


 


 


 


 




Other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees received


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to non-financial corporations




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





On demand [call] and short notice [current account]


 


 


 


 


 


 


 


 


 


 


 




Credit card debt


 


 


 


 


 


 


 


 


 


 


 




Trade receivables


 


 


 


 


 


 


 


 


 


 


 




Finance leases


 


 


 


 


 


 


 


 


 


 


 




Reverse repurchase loans


 


 


 


 


 


 


 


 


 


 


 




Other term loans


 


 


 


 


 


 


 


 


 


 


 




Advances that are not loans


 


 


 


 


 


 


 


 


 


 


 





LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




of which: project finance loans


 


 


 


 


 


 


 


 


 


 


 




Memorandum items: Maximum amount of the collateral/guarantee that can be considered


 


 


 


 


 


 


 


 


 


 


 




Loans collateralized by immovable property


 


 


 


 


 


 


 


 


 


 


 




Other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees received


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to households




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





On demand [call] and short notice [current account]


 


 


 


 


 


 


 


 


 


 


 




Credit card debt


 


 


 


 


 


 


 


 


 


 


 




Trade receivables


 


 


 


 


 


 


 


 


 


 


 




Finance leases


 


 


 


 


 


 


 


 


 


 


 




Reverse repurchase loans


 


 


 


 


 


 


 


 


 


 


 




Other term loans


 


 


 


 


 


 


 


 


 


 


 




Advances that are not loans


 


 


 


 


 


 


 


 


 


 


 





LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




of which: credit for consumption


 


 


 


 


 


 


 


 


 


 


 




of which: lending for house purchase


 


 


 


 


 


 


 


 


 


 


 




Memorandum items: Maximum amount of the collateral/guarantee that can be considered


 


 


 


 


 


 


 


 


 


 


 




Loans collateralized by immovable property


 


 


 


 


 


 


 


 


 


 


 




Other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees received


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Loans and advances to non-financial corporations - Gross carrying amount




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





A Agriculture, forestry and fishing


 


 


 


 


 


 


 


 


 


 


 




B Mining and quarrying


 


 


 


 


 


 


 


 


 


 


 




C Manufacturing


 


 


 


 


 


 


 


 


 


 


 




D Electricity, gas, steam and air conditioning supply


 


 


 


 


 


 


 


 


 


 


 




E Water supply


 


 


 


 


 


 


 


 


 


 


 




F Construction


 


 


 


 


 


 


 


 


 


 


 




G Wholesale and retail trade


 


 


 


 


 


 


 


 


 


 


 




H Transport and storage


 


 


 


 


 


 


 


 


 


 


 




I Accommodation and food service activities


 


 


 


 


 


 


 


 


 


 


 




J Information and communication


 


 


 


 


 


 


 


 


 


 


 




K Financial and insurance activities


 


 


 


 


 


 


 


 


 


 


 




L Real estate activities


 


 


 


 


 


 


 


 


 


 


 




M Professional, scientific and technical activities


 


 


 


 


 


 


 


 


 


 


 




N Administrative and support service activities


 


 


 


 


 


 


 


 


 


 


 




O Public administration and defence, compulsory social security


 


 


 


 


 


 


 


 


 


 


 




P Education


 


 


 


 


 


 


 


 


 


 


 




Q Human health services and social work activities


 


 


 


 


 


 


 


 


 


 


 




R Arts, entertainment and recreation


 


 


 


 


 


 


 


 


 


 


 




S Other services


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment and Accumulated negative changes in fair value due to credit risk on non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





A Agriculture, forestry and fishing


 


 


 


 


 


 


 


 


 


 


 




B Mining and quarrying


 


 


 


 


 


 


 


 


 


 


 




C Manufacturing


 


 


 


 


 


 


 


 


 


 


 




D Electricity, gas, steam and air conditioning supply


 


 


 


 


 


 


 


 


 


 


 




E Water supply


 


 


 


 


 


 


 


 


 


 


 




F Construction


 


 


 


 


 


 


 


 


 


 


 




G Wholesale and retail trade


 


 


 


 


 


 


 


 


 


 


 




H Transport and storage


 


 


 


 


 


 


 


 


 


 


 




I Accommodation and food service activities


 


 


 


 


 


 


 


 


 


 


 




J Information and communication


 


 


 


 


 


 


 


 


 


 


 




K Financial and insurance activities


 


 


 


 


 


 


 


 


 


 


 




L Real estate activities


 


 


 


 


 


 


 


 


 


 


 




M Professional, scientific and technical activities


 


 


 


 


 


 


 


 


 


 


 




N Administrative and support service activities


 


 


 


 


 


 


 


 


 


 


 




O Public administration and defence, compulsory social security


 


 


 


 


 


 


 


 


 


 


 




P Education


 


 


 


 


 


 


 


 


 


 


 




Q Human health services and social work activities


 


 


 


 


 


 


 


 


 


 


 




R Arts, entertainment and recreation


 


 


 


 


 


 


 


 


 


 


 




S Other services


 


 


 


 


 


 


 


 


 


 


 





FUNDING CONCENTRATION


FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount (FINREP-IFRS)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Derivatives



 


 


 


 


 


 


 


 


 


 


 





Short positions



 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Current accounts/ overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 




Certificates of deposits


 


 


 


 


 


 


 


 


 


 


 




Asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




Covered bonds


 


 


 


 


 


 


 


 


 


 


 




Hybrid contracts


 


 


 


 


 


 


 


 


 


 


 




Other debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Convertible compound financial instruments


 


 


 


 


 


 


 


 


 


 


 




Non-convertible


 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities



 


 


 


 


 


 


 


 


 


 


 





FINANCIAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount (FINREP-GAAP)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Derivatives



 


 


 


 


 


 


 


 


 


 


 





Short positions



 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 




Current accounts / overnight deposits


 


 


 


 


 


 


 


 


 


 


 




Deposits with agreed maturity


 


 


 


 


 


 


 


 


 


 


 




Deposits redeemable at notice


 


 


 


 


 


 


 


 


 


 


 




Repurchase agreements


 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 




Certificates of deposits


 


 


 


 


 


 


 


 


 


 


 




Asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




Covered bonds


 


 


 


 


 


 


 


 


 


 


 




Hybrid contracts


 


 


 


 


 


 


 


 


 


 


 




Other debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Convertible compound financial instruments


 


 


 


 


 


 


 


 


 


 


 




Non-convertible


 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities



 


 


 


 


 


 


 


 


 


 


 





FINANCIAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount received




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Retail funding



 


 


 


 


 


 


 


 


 


 


 




Sight deposits


 


 


 


 


 


 


 


 


 


 


 




Term deposits withdrawable within the following 30 days


 


 


 


 


 


 


 


 


 


 


 




Term deposits not withdrawable within the following 30 days


 


 


 


 


 


 


 


 


 


 


 




Savings accounts


 


 


 


 


 


 


 


 


 


 


 





Wholesale funding



 


 


 


 


 


 


 


 


 


 


 




Unsecured


 


 


 


 


 


 


 


 


 


 


 




Secured


 


 


 


 


 


 


 


 


 


 


 





Liquidity and funding

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liquid assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






TOTAL UNADJUSTED LIQUID ASSETS



 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 1 assets excluding extremely high quality covered bonds


 


 


 


 


 


 


 


 


 


 


 




Withdrawable central bank reserves


 


 


 


 


 


 


 


 


 


 


 




Central bank assets


 


 


 


 


 


 


 


 


 


 


 




Central government assets


 


 


 


 


 


 


 


 


 


 


 




Other liquid assets which can be included in the category of Central Bank exposures or Publically Guaranteed exposures


 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 1 extremely high quality covered bonds


 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 2A assets


 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 2B assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






LIQUIDITY COVERAGE




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Liquidity buffer


 


 


 


 


 


 


 


 


 


 


 




Net liquidity outflow


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






AVAILABLE STABLE FUNDING




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Available stable funding


 


 


 


 


 


 


 


 


 


 


 




Capital items and instruments


 


 


 


 


 


 


 


 


 


 


 




Retail deposits


 


 


 


 


 


 


 


 


 


 


 




of which: maturity < 1 year


 


 


 


 


 


 


 


 


 


 


 




of which: maturity >= 1 year


 


 


 


 


 


 


 


 


 


 


 




Other non-financial customers (except central banks)


 


 


 


 


 


 


 


 


 


 


 




of which: maturity < 1 year


 


 


 


 


 


 


 


 


 


 


 




of which: maturity >= 1 year


 


 


 


 


 


 


 


 


 


 


 




Operational deposits


 


 


 


 


 


 


 


 


 


 


 




Liabilities and committed facilities within a group or an IPS if subject to preferential treatment


 


 


 


 


 


 


 


 


 


 


 




Financial customers and central banks


 


 


 


 


 


 


 


 


 


 


 




Liabilities provided where the counterparty cannot be determined


 


 


 


 


 


 


 


 


 


 


 




Interdependent liabilities


 


 


 


 


 


 


 


 


 


 


 




Other liabilities


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






REQUIRED STABLE FUNDING




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Required stable funding


 


 


 


 


 


 


 


 


 


 


 




Central bank assets


 


 


 


 


 


 


 


 


 


 


 




Liquid assets


 


 


 


 


 


 


 


 


 


 


 




Securities other than liquid assets


 


 


 


 


 


 


 


 


 


 


 




Loans


 


 


 


 


 


 


 


 


 


 


 




Interdependent assets


 


 


 


 


 


 


 


 


 


 


 




Assets within a group or an IPS if subject to preferential treatment


 


 


 


 


 


 


 


 


 


 


 




Derivatives


 


 


 


 


 


 


 


 


 


 


 




Contributions to CCP default fund


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 




Off-balance sheet items


 


 


 


 


 


 


 


 


 


 


 





Asset encumbrance

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of encumbered assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




of which: covered bonds


 


 


 


 


 


 


 


 


 


 


 




of which: asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




of which: issued by general governments


 


 


 


 


 


 


 


 


 


 


 




of which: issued by financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: issued by non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of encumbered assets of which: issued by other entities of the group




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




of which: covered bonds


 


 


 


 


 


 


 


 


 


 


 




of which: asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




of which: issued by financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: issued by non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of encumbered assets of which: central bank's eligible




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




of which: covered bonds


 


 


 


 


 


 


 


 


 


 


 




of which: asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




of which: issued by general governments


 


 


 


 


 


 


 


 


 


 


 




of which: issued by financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: issued by non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of non-encumbered assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




of which: covered bonds


 


 


 


 


 


 


 


 


 


 


 




of which: asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




of which: issued by general governments


 


 


 


 


 


 


 


 


 


 


 




of which: issued by financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: issued by non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of non-encumbered assets of which: issued by other entities of the group




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




of which: covered bonds


 


 


 


 


 


 


 


 


 


 


 




of which: asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




of which: issued by financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: issued by non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of non-encumbered assets of which: central bank's eligible




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




of which: covered bonds


 


 


 


 


 


 


 


 


 


 


 




of which: asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




of which: issued by general governments


 


 


 


 


 


 


 


 


 


 


 




of which: issued by financial corporations


 


 


 


 


 


 


 


 


 


 


 




of which: issued by non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Collateral received by the reporting institution




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Fair value of encumbered collateral received or own debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Fair value of non-encumbered collateral received or own debt securities issued available for encumbrance


 


 


 


 


 


 


 


 


 


 


 





OWN FUNDS, RISK WEIGHTED EXPOSURE AMOUNTS AND SOLVENCY

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






OWN FUNDS



 


 


 


 


 


 


 


 


 


 


 





TIER 1 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





COMMON EQUITY TIER 1 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





Capital instruments eligible as CET1 Capital



 


 


 


 


 


 


 


 


 


 


 




Paid up capital instruments


 


 


 


 


 


 


 


 


 


 


 




Memorandum item: Capital instruments not eligible


 


 


 


 


 


 


 


 


 


 


 




Share premium


 


 


 


 


 


 


 


 


 


 


 




(-) Own CET1 instruments


 


 


 


 


 


 


 


 


 


 


 




(-) Actual or contingent obligations to purchase own CET1 instruments


 


 


 


 


 


 


 


 


 


 


 





Retained earnings



 


 


 


 


 


 


 


 


 


 


 




Previous years retained earnings


 


 


 


 


 


 


 


 


 


 


 




Profit or loss eligible


 


 


 


 


 


 


 


 


 


 


 





Adjustments to CET1



 


 


 


 


 


 


 


 


 


 


 





Accumulated other comprehensive income



 


 


 


 


 


 


 


 


 


 


 





Other reserves



 


 


 


 


 


 


 


 


 


 


 





Funds for general banking risk



 


 


 


 


 


 


 


 


 


 


 





Transitional adjustments due to grandfathered CET1 Capital instruments



 


 


 


 


 


 


 


 


 


 


 





Minority interest given recognition in CET1 capital



 


 


 


 


 


 


 


 


 


 


 





Transitional adjustments due to additional minority interests



 


 


 


 


 


 


 


 


 


 


 





Adjustments to CET1 due to prudential filters



 


 


 


 


 


 


 


 


 


 


 





Other transitional adjustments to CET1 Capital



 


 


 


 


 


 


 


 


 


 


 





CET1 capital elements or deductions - other



 


 


 


 


 


 


 


 


 


 


 





Deductions from CET1



 


 


 


 


 


 


 


 


 


 


 





(-) Goodwill



 


 


 


 


 


 


 


 


 


 


 





(-) Other intangible assets



 


 


 


 


 


 


 


 


 


 


 





(-) Deferred tax assets that rely on future profitability and do not arise from temporary differences net of associated tax liabilities



 


 


 


 


 


 


 


 


 


 


 





(-) IRB shortfall of credit risk adjustments to expected losses



 


 


 


 


 


 


 


 


 


 


 





(-)Defined benefit pension fund assets



 


 


 


 


 


 


 


 


 


 


 





(-) Excess of deduction from AT1 items over AT1 Capital



 


 


 


 


 


 


 


 


 


 


 





ADDITIONAL TIER 1 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





Capital instruments eligible as AT1 Capital



 


 


 


 


 


 


 


 


 


 


 




Paid up capital instruments


 


 


 


 


 


 


 


 


 


 


 




Memorandum item: Capital instruments not eligible


 


 


 


 


 


 


 


 


 


 


 




Share premium


 


 


 


 


 


 


 


 


 


 


 




(-) Own AT1 instruments


 


 


 


 


 


 


 


 


 


 


 




(-) Actual or contingent obligations to purchase own AT1 instruments


 


 


 


 


 


 


 


 


 


 


 





Transitional adjustments due to grandfathered AT1 Capital instruments



 


 


 


 


 


 


 


 


 


 


 





Instruments issued by subsidiaries that are given recognition in AT1 Capital



 


 


 


 


 


 


 


 


 


 


 





Transitional adjustments due to additional recognition in AT1 Capital of instruments issued by subsidiaries



 


 


 


 


 


 


 


 


 


 


 





(-) Excess of deduction from T2 items over T2 Capital



 


 


 


 


 


 


 


 


 


 


 





Other transitional adjustments to AT1 Capital



 


 


 


 


 


 


 


 


 


 


 





Excess of deduction from AT1 items over AT1 Capital (deducted in CET1)



 


 


 


 


 


 


 


 


 


 


 





(-) Additional deductions of AT1 Capital due to Article 3 CRR



 


 


 


 


 


 


 


 


 


 


 





AT1 capital elements or deductions - other



 


 


 


 


 


 


 


 


 


 


 





TIER 2 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





Capital instruments and subordinated loans eligible as T2 Capital



 


 


 


 


 


 


 


 


 


 


 




Paid up capital instruments and subordinated loans


 


 


 


 


 


 


 


 


 


 


 




Memorandum item: Capital instruments and subordinated loans not eligible


 


 


 


 


 


 


 


 


 


 


 




Share premium


 


 


 


 


 


 


 


 


 


 


 




(-) Own T2 instruments


 


 


 


 


 


 


 


 


 


 


 




(-) Actual or contingent obligations to purchase own T2 instruments


 


 


 


 


 


 


 


 


 


 


 





Transitional adjustments due to grandfathered T2 Capital instruments and subordinated loans



 


 


 


 


 


 


 


 


 


 


 





Instruments issued by subsidiaries that are given recognition in T2 Capital



 


 


 


 


 


 


 


 


 


 


 





Transitional adjustments due to additional recognition in T2 Capital of instruments issued by subsidiaries



 


 


 


 


 


 


 


 


 


 


 





IRB Excess of provisions over expected losses eligible



 


 


 


 


 


 


 


 


 


 


 





SA General credit risk adjustments



 


 


 


 


 


 


 


 


 


 


 





Other transitional adjustments to T2 Capital



 


 


 


 


 


 


 


 


 


 


 





Excess of deduction from T2 items over T2 Capital (deducted in AT1)



 


 


 


 


 


 


 


 


 


 


 





(-) Additional deductions of T2 Capital due to Article 3 CRR



 


 


 


 


 


 


 


 


 


 


 





T2 capital elements or deductions - other



 


 


 


 


 


 


 


 


 


 


 





OWN FUNDS, RISK WEIGHTED EXPOSURE AMOUNTS AND SOLVENCY

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Original exposure pre-conversion factors




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






RISK WEIGHTED EXPOSURE AMOUNTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES



 


 


 


 


 


 


 


 


 


 


 





Standardised approach (SA)



 


 


 


 


 


 


 


 


 


 


 




SA exposure classes excluding securitisation positions


 


 


 


 


 


 


 


 


 


 


 




Central governments or central banks


 


 


 


 


 


 


 


 


 


 


 




Regional governments or local authorities


 


 


 


 


 


 


 


 


 


 


 




Public sector entities


 


 


 


 


 


 


 


 


 


 


 




Multilateral Development Banks


 


 


 


 


 


 


 


 


 


 


 




International Organisations


 


 


 


 


 


 


 


 


 


 


 




Institutions


 


 


 


 


 


 


 


 


 


 


 




Corporates


 


 


 


 


 


 


 


 


 


 


 




Retail


 


 


 


 


 


 


 


 


 


 


 




Secured by mortgages on immovable property and ADC exposures


 


 


 


 


 


 


 


 


 


 


 




Exposures in default


 


 


 


 


 


 


 


 


 


 


 




Covered bonds


 


 


 


 


 


 


 


 


 


 


 




Claims on institutions and corporates with a short-term credit assessment


 


 


 


 


 


 


 


 


 


 


 




Collective investments undertakings (CIU)


 


 


 


 


 


 


 


 


 


 


 




Equity


 


 


 


 


 


 


 


 


 


 


 




Other items


 


 


 


 


 


 


 


 


 


 


 




Securitisation positions SA


 


 


 


 


 


 


 


 


 


 


 





Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 




IRB approaches when neither own estimates of LGD nor Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Institutions


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




IRB approaches when own estimates of LGD and/or Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - non-SME


 


 


 


 


 


 


 


 


 


 


 




Retail - Qualifying revolving


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - non-SME


 


 


 


 


 


 


 


 


 


 


 




Equity IRB


 


 


 


 


 


 


 


 


 


 


 




Securitisation positions IRB


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Value adjustments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Standardised approach (SA)



 


 


 


 


 


 


 


 


 


 


 




Central governments or central banks


 


 


 


 


 


 


 


 


 


 


 




Regional governments or local authorities


 


 


 


 


 


 


 


 


 


 


 




Public sector entities


 


 


 


 


 


 


 


 


 


 


 




Multilateral Development Banks


 


 


 


 


 


 


 


 


 


 


 




International Organisations


 


 


 


 


 


 


 


 


 


 


 




Institutions


 


 


 


 


 


 


 


 


 


 


 




Corporates


 


 


 


 


 


 


 


 


 


 


 




Retail


 


 


 


 


 


 


 


 


 


 


 




Secured by mortgages on immovable property and ADC exposures


 


 


 


 


 


 


 


 


 


 


 




Exposures in default


 


 


 


 


 


 


 


 


 


 


 




Covered bonds


 


 


 


 


 


 


 


 


 


 


 




Claims on institutions and corporates with a short-term credit assessment


 


 


 


 


 


 


 


 


 


 


 




Collective investments undertakings (CIU)


 


 


 


 


 


 


 


 


 


 


 




Equity


 


 


 


 


 


 


 


 


 


 


 




Other items


 


 


 


 


 


 


 


 


 


 


 





Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 




IRB approaches when neither own estimates of LGD nor Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Institutions


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




IRB approaches when own estimates of LGD and/or Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - non-SME


 


 


 


 


 


 


 


 


 


 


 




Retail - Qualifying revolving


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - non-SME


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Risk weighted exposure amounts




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






TOTAL RISK EXPOSURE AMOUNT / TOTAL EXPOSURES



 


 


 


 


 


 


 


 


 


 


 





RISK WEIGHTED EXPOSURE AMOUNTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES



 


 


 


 


 


 


 


 


 


 


 





Standardised approach (SA)



 


 


 


 


 


 


 


 


 


 


 




SA exposure classes excluding securitisation positions


 


 


 


 


 


 


 


 


 


 


 




Central governments or central banks


 


 


 


 


 


 


 


 


 


 


 




Regional governments or local authorities


 


 


 


 


 


 


 


 


 


 


 




Public sector entities


 


 


 


 


 


 


 


 


 


 


 




Multilateral Development Banks


 


 


 


 


 


 


 


 


 


 


 




International Organisations


 


 


 


 


 


 


 


 


 


 


 




Institutions


 


 


 


 


 


 


 


 


 


 


 




Corporates


 


 


 


 


 


 


 


 


 


 


 




Retail


 


 


 


 


 


 


 


 


 


 


 




Secured by mortgages on immovable property and ADC exposures


 


 


 


 


 


 


 


 


 


 


 




Exposures in default


 


 


 


 


 


 


 


 


 


 


 




Covered bonds


 


 


 


 


 


 


 


 


 


 


 




Claims on institutions and corporates with a short-term credit assessment


 


 


 


 


 


 


 


 


 


 


 




Collective investments undertakings (CIU)


 


 


 


 


 


 


 


 


 


 


 




Equity


 


 


 


 


 


 


 


 


 


 


 




Other items


 


 


 


 


 


 


 


 


 


 


 




Securitisation positions SA


 


 


 


 


 


 


 


 


 


 


 





Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 




IRB approaches when neither own estimates of LGD nor Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Institutions


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




IRB approaches when own estimates of LGD and/or Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - non-SME


 


 


 


 


 


 


 


 


 


 


 




Retail - Qualifying revolving


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - non-SME


 


 


 


 


 


 


 


 


 


 


 




Equity IRB


 


 


 


 


 


 


 


 


 


 


 




Securitisation positions IRB


 


 


 


 


 


 


 


 


 


 


 




Other non credit-obligation assets


 


 


 


 


 


 


 


 


 


 


 





Risk exposure amount for contributions to the default fund of a CCP



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR SETTLEMENT/DELIVERY



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR THE BUSINESS SUBJECT TO MARKET RISK



 


 


 


 


 


 


 


 


 


 


 





Risk exposure amount for business subject to market risk calculated by entities exclusively applying the simplified standardised approach (SSA)



 


 


 


 


 


 


 


 


 


 


 




Traded debt instruments


 


 


 


 


 


 


 


 


 


 


 




Equity


 


 


 


 


 


 


 


 


 


 


 




Foreign Exchange


 


 


 


 


 


 


 


 


 


 


 




Commodities


 


 


 


 


 


 


 


 


 


 


 





Risk exposure amount for Position, foreign exchange and commodities risks under internal models (IM)



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR OPERATIONAL RISK (OpR )



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR CREDIT VALUATION ADJUSTMENT



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT RELATED TO LARGE EXPOSURES IN THE TRADING BOOK



 


 


 


 


 


 


 


 


 


 


 





OTHER RISK EXPOSURE AMOUNTS



 


 


 


 


 


 


 


 


 


 


 





Of which: Additional stricter prudential requirements based on Art 458



 


 


 


 


 


 


 


 


 


 


 




Of which: requirements for large exposures


 


 


 


 


 


 


 


 


 


 


 




Of which: due to modified risk weights for targeting asset bubbles in the residential and commercial property


 


 


 


 


 


 


 


 


 


 


 




Of which: due to intra financial sector exposures


 


 


 


 


 


 


 


 


 


 


 





Of which: Additional stricter prudential requirements based on Art 459



 


 


 


 


 


 


 


 


 


 


 






Of which: Additional risk exposure amount due to Article 3 CRR




 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Expected loss amount




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 




IRB approaches when neither own estimates of LGD nor Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Institutions


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




IRB approaches when own estimates of LGD and/or Conversion Factors are used


 


 


 


 


 


 


 


 


 


 


 




Central governments and central banks


 


 


 


 


 


 


 


 


 


 


 




Memo item: Corporates - SME


 


 


 


 


 


 


 


 


 


 


 




Corporates - Specialised Lending


 


 


 


 


 


 


 


 


 


 


 




Corporates - Other than specialised lending and purchased receivables


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Secured by immovable property - non-SME


 


 


 


 


 


 


 


 


 


 


 




Retail - Qualifying revolving


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - SME


 


 


 


 


 


 


 


 


 


 


 




Memo item: Retail - Other than qualifying revolving, secured by residential real estate and purchased receivables - non-SME


 


 


 


 


 


 


 


 


 


 


 




Equity IRB


 


 


 


 


 


 


 


 


 


 


 





OWN FUNDS, RISK WEIGHTED EXPOSURE AMOUNTS AND SOLVENCY

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Credit risk - number of institutions by approach




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Standardised Approach


 


 


 


 


 


 


 


 


 


 


 




Foundation IRB


 


 


 


 


 


 


 


 


 


 


 




Advanced IRB


 


 


 


 


 


 


 


 


 


 


 




Total number of institutions (using one or more of the credit risk approaches)


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Market risk - number of institutions by approach




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Standardised Approach


 


 


 


 


 


 


 


 


 


 


 




Internal Models


 


 


 


 


 


 


 


 


 


 


 




Total number of institutions (using one or more of the market risk approaches)


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Operational risk - number of institutions by approach




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Total number of institutions (using an operational risk approach)


 


 


 


 


 


 


 


 


 


 


 





Number of institutions

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Solvency ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




16 - 20


 


 


 


 


 


 


 


 


 


 


 




> 20


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 



SSM Categories






Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 



SSM Categories






Core Equity Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 4


 


 


 


 


 


 


 


 


 


 


 




4 - 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT / TOTAL EXPOSURES

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Solvency ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




16 - 20


 


 


 


 


 


 


 


 


 


 


 




> 20


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12-16


 


 


 


 


 


 


 


 


 


 


 




>16


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Core Equity Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 4


 


 


 


 


 


 


 


 


 


 


 




4 - 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 





Assets

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Solvency ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




16 - 20


 


 


 


 


 


 


 


 


 


 


 




> 20


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Core Equity Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 4


 


 


 


 


 


 


 


 


 


 


 




4 - 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 





OWN FUNDS, RISK WEIGHTED EXPOSURE AMOUNTS AND SOLVENCY

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Capital buffers and Pillar II requirements




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Combined buffer requirement


 


 


 


 


 


 


 


 


 


 


 




Capital conservation buffer


 


 


 


 


 


 


 


 


 


 


 




Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State


 


 


 


 


 


 


 


 


 


 


 




Institution specific countercyclical capital buffer


 


 


 


 


 


 


 


 


 


 


 




Systemic risk buffer


 


 


 


 


 


 


 


 


 


 


 




Global Systemically Important Institution buffer


 


 


 


 


 


 


 


 


 


 


 




Other Systemically Important Institution buffer


 


 


 


 


 


 


 


 


 


 


 




Own funds requirements related to Pillar II adjustments


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Exposures to Corporates, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Exposures to Retail, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Exposures to Secured by mortgages on immovable property and ADC exposures, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - Reporters exceeding the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Domestic Exposures to Secured by mortgages on immovable property and ADC exposures - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Secured by mortgages on immovable property and ADC exposures, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Retail - secured by immovable property, of which Non-SME - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




DOMESTIC EXPOSURE WEIGHTED AVERAGE RISK WEIGHT (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




DOMESTIC EXPOSURE VALUE - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




DOMESTIC EXPOSURE WEIGHTED AVERAGE LGD (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




PD ASSIGNED TO THE OBLIGOR GRADE OR POOL (%) - Retail, Secured by immovable property, of which Non-SME domestic exposure (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




Defaulted domestic exposures to Secured by mortgages on immovable property and ADC exposures (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Defaulted domestic exposures to Secured by mortgages on immovable property and ADC exposures, of which SME (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Defaulted domestic exposures to Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Secured by mortgages on immovable property and ADC exposures - General and specific credit risk adjustments (Impairments) (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Secured by mortgages on immovable property and ADC exposures, of which SME - General and specific credit risk adjustments (Impairments) (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Retail, Secured by immovable property, of which Non-SME - General and specific credit risk adjustments (Impairments) (IRB approach)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - Reporters below the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





EXPOSURE WEIGHTED AVERAGE RISK WEIGHT (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




EXPOSURE VALUE - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




EXPOSURE WEIGHTED AVERAGE LGD (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




PD ASSIGNED TO THE OBLIGOR GRADE OR POOL (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - FINREP reporters (IFRS and GAAP) - exceeding the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Domestic loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic non-performing loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic non-performing loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic Loans collateralized by residential immovable property to Households (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic Non-performing Loans collateralized by residential immovable property to Households (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic Loans collateralized by residential immovable property to Households - Accumulated impairment or Accumulated changes in fair value due to credit risk


 


 


 


 


 


 


 


 


 


 


 




Domestic Total assets


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - FINREP reporters (IFRS and GAAP) - below the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Loans collateralized by residential immovable property to Households (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing (credit impaired) loans collateralized by inmovable property (Carrying amount)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Leverage ratio reporting




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





O-SII banks


 


 


 


 


 


 


 


 


 


 


 




Total Leverage Ratio exposure - using a fully phased-in definition of Tier 1 capital (O-SII banks)


 


 


 


 


 


 


 


 


 


 


 




WEIGHTED AVERAGE LEVERAGE RATIO (%) - fully phased-in definition (O-SII banks)


 


 


 


 


 


 


 


 


 


 


 




Top 5 banks


 


 


 


 


 


 


 


 


 


 


 




Total Leverage Ratio exposure - using a fully phased-in definition of Tier 1 capital (Top 5 banks)


 


 


 


 


 


 


 


 


 


 


 




WEIGHTED AVERAGE LEVERAGE RATIO (%) - fully phased-in definition (Top 5 banks)


 


 


 


 


 


 


 


 


 


 


 




All banks


 


 


 


 


 


 


 


 


 


 


 




Total Leverage Ratio exposure - using a fully phased-in definition of Tier 1 capital


 


 


 


 


 


 


 


 


 


 


 




Tier 1 capital - fully phased-in definition


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - Reporters exceeding the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Number of credit institutions exceeding the threshold described in Article 5.1(a)(iv) of Regulation (EU) No 2021/451


 


 


 


 


 


 


 


 


 


 


 









ANNEX II
The data identified in white cells is reported on a mandatory basis.
The data identified in grey cells is reported on a voluntary basis. NCBs can report it, if available.

REPORTERS

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Section LE. Reporting population




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





No. of stand alone credit institutions


 


 


 


 


 


 


 


 


 


 


 




No. of credit institutions consolidated in banking groups


 


 


 


 


 


 


 


 


 


 


 




No. of banking groups


 


 


 


 


 


 


 


 


 


 


 




Total number of credit institutions


 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - IFRS FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Interest income



 


 


 


 


 


 


 


 


 


 


 





Financial assets held for trading



 


 


 


 


 


 


 


 


 


 


 





Non-trading financial assets mandatorily at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Financial assets designated at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 





Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 





Derivatives - Hedge accounting, interest rate risk



 


 


 


 


 


 


 


 


 


 


 





Other assets



 


 


 


 


 


 


 


 


 


 


 





Interest income on liabilities



 


 


 


 


 


 


 


 


 


 


 





(Interest expenses)



 


 


 


 


 


 


 


 


 


 


 





(Financial liabilities held for trading )



 


 


 


 


 


 


 


 


 


 


 





(Financial liabilities designated at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Financial liabilities measured at amortised cost)



 


 


 


 


 


 


 


 


 


 


 





(Derivatives - Hedge accounting, interest rate risk)



 


 


 


 


 


 


 


 


 


 


 





(Other liabilities)



 


 


 


 


 


 


 


 


 


 


 





(Interest expense on assets)



 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Fee and commission income



 


 


 


 


 


 


 


 


 


 


 





(Fee and commission expenses)



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on derecognition of financial assets & liabilities not measured at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial assets and liabilities held for trading, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on non-trading financial assets mandatorily at fair value through profit or loss, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses from hedge accounting, net



 


 


 


 


 


 


 


 


 


 


 





Exchange differences, net



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





(Other operating expenses)



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Administration costs)



 


 


 


 


 


 


 


 


 


 


 





(Staff expenses)



 


 


 


 


 


 


 


 


 


 


 





(Other administrative expenses)



 


 


 


 


 


 


 


 


 


 


 





(Depreciation)



 


 


 


 


 


 


 


 


 


 


 





Modification gains or (-) losses, net



 


 


 


 


 


 


 


 


 


 


 





(Provisions or (-) reversal of provisions)



 


 


 


 


 


 


 


 


 


 


 




(Commitments and guarantees given)


 


 


 


 


 


 


 


 


 


 


 




(Other provisions)


 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Financial assets at fair value through other comprehensive income)



 


 


 


 


 


 


 


 


 


 


 





(Financial assets at amortised cost)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on non-financial assets)



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 




(Tax expense or (-) income related to profit or loss from continuing operations)


 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - GAAP FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Interest income



 


 


 


 


 


 


 


 


 


 


 





(Interest expenses)



 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Fee and commission income



 


 


 


 


 


 


 


 


 


 


 





(Fee and commission expenses)



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on derecognition of financial assets & liabilities not measured at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on trading financial assets and liabilities, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on non-trading financial assets and liabilities, net



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses from hedge accounting, net



 


 


 


 


 


 


 


 


 


 


 





Exchange differences, net



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





(Other operating expenses)



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Administration costs)



 


 


 


 


 


 


 


 


 


 


 





(Staff expenses)



 


 


 


 


 


 


 


 


 


 


 





(Other administrative expenses)



 


 


 


 


 


 


 


 


 


 


 





(Depreciation)



 


 


 


 


 


 


 


 


 


 


 





Modification gains or (-) losses, net



 


 


 


 


 


 


 


 


 


 


 





(Provisions or (-) reversal of provisions)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on non-financial assets)



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Net interest income



 


 


 


 


 


 


 


 


 


 


 




Interest income


 


 


 


 


 


 


 


 


 


 


 




(Interest expenses)


 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Net fee and commission income



 


 


 


 


 


 


 


 


 


 


 




Fee and commission income


 


 


 


 


 


 


 


 


 


 


 




(Fee and commission expenses)


 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial instruments and exchange rate differences, excluding impairments



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





(Other operating expenses)



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Administration costs)



 


 


 


 


 


 


 


 


 


 


 





(Staff expenses)



 


 


 


 


 


 


 


 


 


 


 





(Other administrative expenses)



 


 


 


 


 


 


 


 


 


 


 





(Depreciation)



 


 


 


 


 


 


 


 


 


 


 





(Provisions or (-) reversal of provisions)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss)



 


 


 


 


 


 


 


 


 


 


 





(Impairment or (-) reversal of impairment on non-financial assets)



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 





PROFITABILITY AND EFFICIENCY - FULL SAMPLE

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Consolidated Income Statement




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Net interest income



 


 


 


 


 


 


 


 


 


 


 





Dividend income



 


 


 


 


 


 


 


 


 


 


 





Net fee and commission income



 


 


 


 


 


 


 


 


 


 


 





Gains or (-) losses on financial instruments and exchange rate differences, excluding impairments



 


 


 


 


 


 


 


 


 


 


 





Other operating income



 


 


 


 


 


 


 


 


 


 


 





Total operating income, net



 


 


 


 


 


 


 


 


 


 


 





(Total operating expenses)



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS



 


 


 


 


 


 


 


 


 


 


 





PROFIT OR (-) LOSS FOR THE YEAR



 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - IFRS FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Financial assets held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Non-trading financial assets mandatorily at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Financial assets designated at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Financial assets at fair value through other comprehensive income



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Financial assets at amortised cost



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Derivatives–Hedge accounting



 


 


 


 


 


 


 


 


 


 


 





Intangible assets



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial liabilities held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Financial liabilities designated at fair value through profit or loss



 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Financial liabilities measured at amortised cost



 


 


 


 


 


 


 


 


 


 


 





Deposit



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Loan commitments, financial guarantees and other commitments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Given



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 





Received



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - GAAP FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Financial assets held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 






Non-trading non-derivative financial assets measured at fair value through profit or loss




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loan and advances



 


 


 


 


 


 


 


 


 


 


 






Non-trading non-derivative financial assets measured at fair value to equity




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loan and advances



 


 


 


 


 


 


 


 


 


 


 






Non-trading debt instruments measured at a cost-based method




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 






Other non-trading non-derivative financial assets




 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Derivatives–Hedge accounting



 


 


 


 


 


 


 


 


 


 


 





Intangible assets



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Financial liabilities held for trading



 


 


 


 


 


 


 


 


 


 


 





Derivatives held for trading



 


 


 


 


 


 


 


 


 


 


 





Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Loan commitments, financial guarantees and other commitments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Given



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 





Received



 


 


 


 


 


 


 


 


 


 


 




Loan commitments


 


 


 


 


 


 


 


 


 


 


 




Financial guarantees


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks



 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Residual assets



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 





Memorandum items



 


 


 


 


 


 


 


 


 


 


 




Financial assets held for trading


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





Residual liabilities



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - FULL SAMPLE

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash, cash balances at central banks



 


 


 


 


 


 


 


 


 


 


 





Loans and advances (excluding cash balances at central banks and other demand deposits)



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





Residual assets



 


 


 


 


 


 


 


 


 


 


 





TOTAL ASSETS



 


 


 


 


 


 


 


 


 


 


 





Memorandum items



 


 


 


 


 


 


 


 


 


 


 




Financial assets held for trading


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liabilities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities issued



 


 


 


 


 


 


 


 


 


 


 





Provisions



 


 


 


 


 


 


 


 


 


 


 





Residual liabilities



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Equity and minority interest




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Capital



 


 


 


 


 


 


 


 


 


 


 





TOTAL EQUITY



 


 


 


 


 


 


 


 


 


 


 





TOTAL LIABILITIES AND EQUITY



 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - IFRS FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - GAAP FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Equity instruments



 


 


 


 


 


 


 


 


 


 


 




BALANCE SHEET - Non-FINREP/Data point banks
















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other


 


 


 


 


 


 


 


 


 


 


 





BALANCE SHEET - FULL SAMPLE

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Loans and advances



 


 


 


 


 


 


 


 


 


 


 




General governments


 


 


 


 


 


 


 


 


 


 


 




Central banks


 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Forborne exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Cash balances at central banks and other demand deposits - Gross carrying amount of exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of non-performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Gross carrying amount of non-performing exposures with forbearance measures of which forbearance of non-performing exposures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Cash balances at central banks and other demand deposits - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - non-performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of non-performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Gross carrying amount of non-performing exposures with forbearance measures of which forbearance of non-performing exposures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Debt securities - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - non-performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of performing exposures with forbearance measures of which under probation


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of non-performing exposures with forbearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Gross carrying amount of non-performing exposures with forbearance measures of which forbearance of non-performing exposures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 




Loans and advances - Accumulated impairment, accumulated changes in fair value due to credit risk and provisions - non-performing exposures with forebearance measures


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total gross carrying amount of non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment, accumulated changes in fair value due to credit risk and provisions




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment, accumulated changes in fair value due to credit risk and provisions on performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment, accumulated changes in fair value due to credit risk and provisions on non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Collateral received on non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposits



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Financial guarantees received on non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Cash balances at central banks and other demand deposi



 


 


 


 


 


 


 


 


 


 


 





Debt securities



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 





Loans and advances



 


 


 


 


 


 


 


 


 


 


 




Credit institutions


 


 


 


 


 


 


 


 


 


 


 




Other financial corporations


 


 


 


 


 


 


 


 


 


 


 




Non-financial corporations


 


 


 


 


 


 


 


 


 


 


 




Households


 


 


 


 


 


 


 


 


 


 


 





Off-balance sheet exposures



 


 


 


 


 


 


 


 


 


 


 





IFRS-FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Gross carrying amount - Assets without significant increase in credit risk since initial recognition (Stage 1)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Financial assets at amortised cost


 


 


 


 


 


 


 


 


 


 


 




Financial assets at fair value through other comprehensive income


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Gross carrying amount - Assets with significant increase in credit risk since initial recognition but not credit-impaired (Stage 2)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Financial assets at amortised cost


 


 


 


 


 


 


 


 


 


 


 




Financial assets at fair value through other comprehensive income


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Gross carrying amount - Credit-impaired assets (Stage 3)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Financial assets at amortised cost


 


 


 


 


 


 


 


 


 


 


 




Financial assets at fair value through other comprehensive income


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment - Assets without significant increase in credit risk since initial recognition (Stage 1)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Financial assets at amortised cost


 


 


 


 


 


 


 


 


 


 


 




Financial assets at fair value through other comprehensive income


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment - Assets with significant increase in credit risk since initial recognition but not credit-impaired (Stage 2)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Financial assets at amortised cost


 


 


 


 


 


 


 


 


 


 


 




Financial assets at fair value through other comprehensive income


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Accumulated impairment - Credit-impaired assets (Stage 3)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Financial assets at amortised cost


 


 


 


 


 


 


 


 


 


 


 




Financial assets at fair value through other comprehensive income


 


 


 


 


 


 


 


 


 


 


 





GAAP-FINREP

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Impaired debt instruments - Non-trading non-derivative debt instruments measured at a cost-based method




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Total gross carrying amount of impaired assets


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 




Specific allowances for credit risk


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 




General allowances for credit risk and banking risk affecting carrying amount


 


 


 


 


 


 


 


 


 


 


 




Loans and advances


 


 


 


 


 


 


 


 


 


 


 





Non-FINREP/Data point banks

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Non-performing exposures




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Gross carrying amount


 


 


 


 


 


 


 


 


 


 


 




Performing exposures


 


 


 


 


 


 


 


 


 


 


 




Non-performing exposures


 


 


 


 


 


 


 


 


 


 


 




Forborne exposures


 


 


 


 


 


 


 


 


 


 


 




Accumulated impairment, accumulated changes in fair value due to credit risk and provisions


 


 


 


 


 


 


 


 


 


 


 





Geographical concentration

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total original exposure value




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




UK


 


 


 


 


 


 


 


 


 


 


 




NO


 


 


 


 


 


 


 


 


 


 


 




US (United States)


 


 


 


 


 


 


 


 


 


 


 




HK (Hong Kong)


 


 


 


 


 


 


 


 


 


 


 




BR (Brazil)


 


 


 


 


 


 


 


 


 


 


 




CN (China)


 


 


 


 


 


 


 


 


 


 


 




JP (Japan)


 


 


 


 


 


 


 


 


 


 


 




CH (Switzerland)


 


 


 


 


 


 


 


 


 


 


 




MX (Mexico)


 


 


 


 


 


 


 


 


 


 


 




AU (Australia)


 


 


 


 


 


 


 


 


 


 


 




SG (Singapore)


 


 


 


 


 


 


 


 


 


 


 




TR (Turkey)


 


 


 


 


 


 


 


 


 


 


 




RU (Russian federation)


 


 


 


 


 


 


 


 


 


 


 




KY (Cayman Islands)


 


 


 


 


 


 


 


 


 


 


 




IN (India)


 


 


 


 


 


 


 


 


 


 


 




KR (South Korea)


 


 


 


 


 


 


 


 


 


 


 




ZA (South Africa)


 


 


 


 


 


 


 


 


 


 


 




CA (Canada)


 


 


 


 


 


 


 


 


 


 


 




Memorandum items


 


 


 


 


 


 


 


 


 


 


 





Non-domestic original exposure



 


 


 


 


 


 


 


 


 


 


 





Total original exposure



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total exposures in default




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




UK


 


 


 


 


 


 


 


 


 


 


 




NO


 


 


 


 


 


 


 


 


 


 


 




US (United States)


 


 


 


 


 


 


 


 


 


 


 




HK (Hong Kong)


 


 


 


 


 


 


 


 


 


 


 




BR (Brazil)


 


 


 


 


 


 


 


 


 


 


 




CN (China)


 


 


 


 


 


 


 


 


 


 


 




JP (Japan)


 


 


 


 


 


 


 


 


 


 


 




CH (Switzerland)


 


 


 


 


 


 


 


 


 


 


 




MX (Mexico)


 


 


 


 


 


 


 


 


 


 


 




AU (Australia)


 


 


 


 


 


 


 


 


 


 


 




SG (Singapore)


 


 


 


 


 


 


 


 


 


 


 




TR (Turkey)


 


 


 


 


 


 


 


 


 


 


 




RU (Russian federation)


 


 


 


 


 


 


 


 


 


 


 




KY (Cayman Islands)


 


 


 


 


 


 


 


 


 


 


 




IN (India)


 


 


 


 


 


 


 


 


 


 


 




KR (South Korea)


 


 


 


 


 


 


 


 


 


 


 




ZA (South Africa)


 


 


 


 


 


 


 


 


 


 


 




CA (Canada)


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Total exposure value




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





AT


 


 


 


 


 


 


 


 


 


 


 




BE


 


 


 


 


 


 


 


 


 


 


 




BG


 


 


 


 


 


 


 


 


 


 


 




HR


 


 


 


 


 


 


 


 


 


 


 




CY


 


 


 


 


 


 


 


 


 


 


 




CZ


 


 


 


 


 


 


 


 


 


 


 




DK


 


 


 


 


 


 


 


 


 


 


 




EE


 


 


 


 


 


 


 


 


 


 


 




FI


 


 


 


 


 


 


 


 


 


 


 




FR


 


 


 


 


 


 


 


 


 


 


 




DE


 


 


 


 


 


 


 


 


 


 


 




EL


 


 


 


 


 


 


 


 


 


 


 




HU


 


 


 


 


 


 


 


 


 


 


 




IE


 


 


 


 


 


 


 


 


 


 


 




IT


 


 


 


 


 


 


 


 


 


 


 




LV


 


 


 


 


 


 


 


 


 


 


 




LT


 


 


 


 


 


 


 


 


 


 


 




LU


 


 


 


 


 


 


 


 


 


 


 




MT


 


 


 


 


 


 


 


 


 


 


 




NL


 


 


 


 


 


 


 


 


 


 


 




PL


 


 


 


 


 


 


 


 


 


 


 




PT


 


 


 


 


 


 


 


 


 


 


 




RO


 


 


 


 


 


 


 


 


 


 


 




SK


 


 


 


 


 


 


 


 


 


 


 




SI


 


 


 


 


 


 


 


 


 


 


 




ES


 


 


 


 


 


 


 


 


 


 


 




SE


 


 


 


 


 


 


 


 


 


 


 




UK


 


 


 


 


 


 


 


 


 


 


 




NO


 


 


 


 


 


 


 


 


 


 


 




US (United States)


 


 


 


 


 


 


 


 


 


 


 




HK (Hong Kong)


 


 


 


 


 


 


 


 


 


 


 




BR (Brazil)


 


 


 


 


 


 


 


 


 


 


 




CN (China)


 


 


 


 


 


 


 


 


 


 


 




JP (Japan)


 


 


 


 


 


 


 


 


 


 


 




CH (Switzerland)


 


 


 


 


 


 


 


 


 


 


 




MX (Mexico)


 


 


 


 


 


 


 


 


 


 


 




AU (Australia)


 


 


 


 


 


 


 


 


 


 


 




SG (Singapore)


 


 


 


 


 


 


 


 


 


 


 




TR (Turkey)


 


 


 


 


 


 


 


 


 


 


 




RU (Russian federation)


 


 


 


 


 


 


 


 


 


 


 




KY (Cayman Islands)


 


 


 


 


 


 


 


 


 


 


 




IN (India)


 


 


 


 


 


 


 


 


 


 


 




KR (South Korea)


 


 


 


 


 


 


 


 


 


 


 




ZA (South Africa)


 


 


 


 


 


 


 


 


 


 


 




CA (Canada)


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Domestic activities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Total assets


 


 


 


 


 


 


 


 


 


 


 




Total liabilities


 


 


 


 


 


 


 


 


 


 


 




Total operating income, net


 


 


 


 


 


 


 


 


 


 


 




Profit or loss for the year


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Non-domestic activities




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Total assets


 


 


 


 


 


 


 


 


 


 


 




Total liabilities


 


 


 


 


 


 


 


 


 


 


 




Total operating income, net


 


 


 


 


 


 


 


 


 


 


 




Profit or loss for the year


 


 


 


 


 


 


 


 


 


 


 





FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to central banks




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to general governments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to credit institutions




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to other financial corporations




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to non-financial corporations




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




of which: project finance loans


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Exposures to households




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






LOANS AND ADVANCES



 


 


 


 


 


 


 


 


 


 


 




of which: mortgage loans [Loans collateralized by immovable property]


 


 


 


 


 


 


 


 


 


 


 




of which: other collateralized loans


 


 


 


 


 


 


 


 


 


 


 




of which: credit for consumption


 


 


 


 


 


 


 


 


 


 


 




of which: lending for house purchase


 


 


 


 


 


 


 


 


 


 


 





FUNDING CONCENTRATION


FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount (FINREP-IFRS)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Debt securities issued



 


 


 


 


 


 


 


 


 


 


 




Certificates of deposits


 


 


 


 


 


 


 


 


 


 


 




Asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




Covered bonds


 


 


 


 


 


 


 


 


 


 


 




Hybrid contracts


 


 


 


 


 


 


 


 


 


 


 




Other debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Convertible compound financial instruments


 


 


 


 


 


 


 


 


 


 


 




Non-convertible


 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities



 


 


 


 


 


 


 


 


 


 


 





FINANCIAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount (FINREP-GAAP)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Debt securities issued



 


 


 


 


 


 


 


 


 


 


 




Certificates of deposits


 


 


 


 


 


 


 


 


 


 


 




Asset-backed securities


 


 


 


 


 


 


 


 


 


 


 




Covered bonds


 


 


 


 


 


 


 


 


 


 


 




Hybrid contracts


 


 


 


 


 


 


 


 


 


 


 




Other debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Convertible compound financial instruments


 


 


 


 


 


 


 


 


 


 


 




Non-convertible


 


 


 


 


 


 


 


 


 


 


 





Other financial liabilities



 


 


 


 


 


 


 


 


 


 


 





FINANCIAL LIABILITIES



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount received




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Retail funding



 


 


 


 


 


 


 


 


 


 


 




Sight deposits


 


 


 


 


 


 


 


 


 


 


 




Term deposits withdrawable within the following 30 days


 


 


 


 


 


 


 


 


 


 


 




Term deposits not withdrawable within the following 30 days


 


 


 


 


 


 


 


 


 


 


 




Savings accounts


 


 


 


 


 


 


 


 


 


 


 





Wholesale funding



 


 


 


 


 


 


 


 


 


 


 




Unsecured


 


 


 


 


 


 


 


 


 


 


 




Secured


 


 


 


 


 


 


 


 


 


 


 





Liquidity and funding

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Liquid assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






TOTAL UNADJUSTED LIQUID ASSETS



 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 1 assets excluding extremely high quality covered bonds


 


 


 


 


 


 


 


 


 


 


 




Withdrawable central bank reserves


 


 


 


 


 


 


 


 


 


 


 




Central bank assets


 


 


 


 


 


 


 


 


 


 


 




Central government assets


 


 


 


 


 


 


 


 


 


 


 




Other liquid assets which can be included in the category of Central Bank exposures or Publically Guaranteed exposures


 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 1 extremely high quality covered bonds


 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 2A assets


 


 


 


 


 


 


 


 


 


 


 




Total unadjusted LEVEL 2B assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






LIQUIDITY COVERAGE




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Liquidity buffer


 


 


 


 


 


 


 


 


 


 


 




Net liquidity outflow


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






AVAILABLE STABLE FUNDING




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Available stable funding


 


 


 


 


 


 


 


 


 


 


 




Capital items and instruments


 


 


 


 


 


 


 


 


 


 


 




Retail deposits


 


 


 


 


 


 


 


 


 


 


 




of which: maturity < 1 year


 


 


 


 


 


 


 


 


 


 


 




of which: maturity >= 1 year


 


 


 


 


 


 


 


 


 


 


 




Other non-financial customers (except central banks)


 


 


 


 


 


 


 


 


 


 


 




of which: maturity < 1 year


 


 


 


 


 


 


 


 


 


 


 




of which: maturity >= 1 year


 


 


 


 


 


 


 


 


 


 


 




Operational deposits


 


 


 


 


 


 


 


 


 


 


 




Liabilities and committed facilities within a group or an IPS if subject to preferential treatment


 


 


 


 


 


 


 


 


 


 


 




Financial customers and central banks


 


 


 


 


 


 


 


 


 


 


 




Liabilities provided where the counterparty cannot be determined


 


 


 


 


 


 


 


 


 


 


 




Interdependent liabilities


 


 


 


 


 


 


 


 


 


 


 




Other liabilities


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






REQUIRED STABLE FUNDING




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Required stable funding


 


 


 


 


 


 


 


 


 


 


 




Central bank assets


 


 


 


 


 


 


 


 


 


 


 




Liquid assets


 


 


 


 


 


 


 


 


 


 


 




Securities other than liquid assets


 


 


 


 


 


 


 


 


 


 


 




Loans


 


 


 


 


 


 


 


 


 


 


 




Interdependent assets


 


 


 


 


 


 


 


 


 


 


 




Assets within a group or an IPS if subject to preferential treatment


 


 


 


 


 


 


 


 


 


 


 




Derivatives


 


 


 


 


 


 


 


 


 


 


 




Contributions to CCP default fund


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 




Off-balance sheet items


 


 


 


 


 


 


 


 


 


 


 





Asset encumbrance

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of encumbered assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of encumbered assets of which: issued by other entities of the group




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of encumbered assets of which: central bank's eligible




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of non-encumbered assets




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of non-encumbered assets of which: issued by other entities of the group




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Carrying amount of non-encumbered assets of which: central bank's eligible




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Assets of the reporting institution



 


 


 


 


 


 


 


 


 


 


 




Loans on demand


 


 


 


 


 


 


 


 


 


 


 




Equity instruments


 


 


 


 


 


 


 


 


 


 


 




Debt securities


 


 


 


 


 


 


 


 


 


 


 




Loans and advances other than loans on demand


 


 


 


 


 


 


 


 


 


 


 




Other assets


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Collateral received by the reporting institution




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Fair value of encumbered collateral received or own debt securities issued


 


 


 


 


 


 


 


 


 


 


 




Fair value of non-encumbered collateral received or own debt securities issued available for encumbrance


 


 


 


 


 


 


 


 


 


 


 





OWN FUNDS, RISK WEIGHTED EXPOSURE AMOUNTS AND SOLVENCY

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Table x.x




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






OWN FUNDS



 


 


 


 


 


 


 


 


 


 


 





TIER 1 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





COMMON EQUITY TIER 1 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





Capital instruments eligible as CET1 Capital



 


 


 


 


 


 


 


 


 


 


 





Retained earnings



 


 


 


 


 


 


 


 


 


 


 





Adjustments to CET1



 


 


 


 


 


 


 


 


 


 


 





Deductions from CET1



 


 


 


 


 


 


 


 


 


 


 





ADDITIONAL TIER 1 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





TIER 2 CAPITAL



 


 


 


 


 


 


 


 


 


 


 





OWN FUNDS, RISK WEIGHTED EXPOSURE AMOUNTS AND SOLVENCY

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Original exposure pre-conversion factors




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






RISK WEIGHTED EXPOSURE AMOUNTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES



 


 


 


 


 


 


 


 


 


 


 





Standardised approach (SA)



 


 


 


 


 


 


 


 


 


 


 





Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Value adjustments




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Standardised approach (SA)



 


 


 


 


 


 


 


 


 


 


 





Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Risk weighted exposure amounts




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






TOTAL RISK EXPOSURE AMOUNT / TOTAL EXPOSURES



 


 


 


 


 


 


 


 


 


 


 





RISK WEIGHTED EXPOSURE AMOUNTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES



 


 


 


 


 


 


 


 


 


 


 





Standardised approach (SA)



 


 


 


 


 


 


 


 


 


 


 





Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR SETTLEMENT/DELIVERY



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR THE BUSINESS SUBJECT TO MARKET RISK



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR OPERATIONAL RISK (OpR )



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT FOR CREDIT VALUATION ADJUSTMENT



 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT RELATED TO LARGE EXPOSURES IN THE TRADING BOOK



 


 


 


 


 


 


 


 


 


 


 





OTHER RISK EXPOSURE AMOUNTS



 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Expected loss amount




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant






Internal ratings based Approach (IRB)



 


 


 


 


 


 


 


 


 


 


 





OWN FUNDS, RISK WEIGHTED EXPOSURE AMOUNTS AND SOLVENCY

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Capital buffers and Pillar II requirements




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Combined buffer requirement


 


 


 


 


 


 


 


 


 


 


 




Capital conservation buffer


 


 


 


 


 


 


 


 


 


 


 




Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State


 


 


 


 


 


 


 


 


 


 


 




Institution specific countercyclical capital buffer


 


 


 


 


 


 


 


 


 


 


 




Systemic risk buffer


 


 


 


 


 


 


 


 


 


 


 




Global Systemically Important Institution buffer


 


 


 


 


 


 


 


 


 


 


 




Other Systemically Important Institution buffer


 


 


 


 


 


 


 


 


 


 


 




Own funds requirements related to Pillar II adjustments


 


 


 


 


 


 


 


 


 


 


 





Number of institutions

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Solvency ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




16 - 20


 


 


 


 


 


 


 


 


 


 


 




> 20


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Core Equity Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 4


 


 


 


 


 


 


 


 


 


 


 




4 - 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 





TOTAL RISK EXPOSURE AMOUNT / TOTAL EXPOSURES

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Solvency ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




16 - 20


 


 


 


 


 


 


 


 


 


 


 




> 20


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12-16


 


 


 


 


 


 


 


 


 


 


 




>16


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Core Equity Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 4


 


 


 


 


 


 


 


 


 


 


 




4 - 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 





Assets

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Solvency ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




16 - 20


 


 


 


 


 


 


 


 


 


 


 




> 20


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 























 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Core Equity Tier 1 ratio (%)




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





< 4


 


 


 


 


 


 


 


 


 


 


 




4 - 6


 


 


 


 


 


 


 


 


 


 


 




6 - 8


 


 


 


 


 


 


 


 


 


 


 




8 - 12


 


 


 


 


 


 


 


 


 


 


 




12 - 16


 


 


 


 


 


 


 


 


 


 


 




> 16


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Exposures to Corporates, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Exposures to Retail, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Exposures to Secured by mortgages on immovable property and ADC exposures, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - Reporters exceeding the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Domestic Exposures to Secured by mortgages on immovable property and ADC exposures - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Secured by mortgages on immovable property and ADC exposures, of which SMEs - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (Standardised Approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Retail - secured by immovable property, of which Non-SME - ORIGINAL EXPOSURE PRE CONVERSION FACTORS (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




DOMESTIC EXPOSURE WEIGHTED AVERAGE RISK WEIGHT (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




DOMESTIC EXPOSURE VALUE - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




DOMESTIC EXPOSURE WEIGHTED AVERAGE LGD (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




PD ASSIGNED TO THE OBLIGOR GRADE OR POOL (%) - Retail, Secured by immovable property, of which Non-SME domestic exposure (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




Defaulted domestic exposures to Secured by mortgages on immovable property and ADC exposures (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Defaulted domestic exposures to Secured by mortgages on immovable property and ADC exposures, of which SME (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Defaulted domestic exposures to Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Secured by mortgages on immovable property and ADC exposures - General and specific credit risk adjustments (Impairments) (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Secured by mortgages on immovable property and ADC exposures, of which SME - General and specific credit risk adjustments (Impairments) (Standardised approach (SA))


 


 


 


 


 


 


 


 


 


 


 




Domestic Exposures to Retail, Secured by immovable property, of which Non-SME - General and specific credit risk adjustments (Impairments) (IRB approach)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - Reporters below the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





EXPOSURE WEIGHTED AVERAGE RISK WEIGHT (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




EXPOSURE VALUE - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




EXPOSURE WEIGHTED AVERAGE LGD (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 




PD ASSIGNED TO THE OBLIGOR GRADE OR POOL (%) - Retail, Secured by immovable property, of which Non-SME (IRB approach)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - FINREP reporters (IFRS and GAAP)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - FINREP reporters (IFRS and GAAP) - exceeding the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Domestic loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic non-performing loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic non-performing loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic Loans collateralized by residential immovable property to Households (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic Non-performing Loans collateralized by residential immovable property to Households (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Domestic Loans collateralized by residential immovable property to Households - Accumulated impairment or Accumulated changes in fair value due to credit risk


 


 


 


 


 


 


 


 


 


 


 




Domestic Total assets


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - FINREP reporters (IFRS and GAAP) - below the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Construction sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing loans and advances to NFCs from Real estate sector (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Loans collateralized by residential immovable property to Households (Gross carrying amount)


 


 


 


 


 


 


 


 


 


 


 




Non-performing (credit impaired) loans collateralized by inmovable property (Carrying amount)


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories






Leverage ratio reporting




A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





O-SII banks


 


 


 


 


 


 


 


 


 


 


 




Total Leverage Ratio exposure - using a fully phased-in definition of Tier 1 capital (O-SII banks)


 


 


 


 


 


 


 


 


 


 


 




WEIGHTED AVERAGE LEVERAGE RATIO (%) - fully phased-in definition (O-SII banks)


 


 


 


 


 


 


 


 


 


 


 




Top 5 banks


 


 


 


 


 


 


 


 


 


 


 




Total Leverage Ratio exposure - using a fully phased-in definition of Tier 1 capital (Top 5 banks)


 


 


 


 


 


 


 


 


 


 


 




WEIGHTED AVERAGE LEVERAGE RATIO (%) - fully phased-in definition (Top 5 banks)


 


 


 


 


 


 


 


 


 


 


 




All banks


 


 


 


 


 


 


 


 


 


 


 




Total Leverage Ratio exposure - using a fully phased-in definition of Tier 1 capital


 


 


 


 


 


 


 


 


 


 


 




Tier 1 capital - fully phased-in definition


 


 


 


 


 


 


 


 


 


 


 





Orange Indicators - Reporters exceeding the threshold described in Article 5(5) of Regulation (EU) No 2021/451 (10 % non-domestic exposures to total exposures)

















 



Domestic banking groups (consolidated) and stand-alone banks



 


 


 


 


 


 



SSM Categories





 



A. Large




B. Medium




C. Small




Foreign non-EU controlled subsidiaries (subconsolidated or stand alone)




Foreign non-EU controlled branches (stand alone)




Foreign EU controlled subsidiaries (subconsolidated or stand alone)




Foreign EU controlled branches (stand alone)




Foreign EA controlled subsidiaries (sub-consolidated or stand alone)




Foreign EA controlled branches (stand alone)




Significant




Less-Significant





Number of credit institutions reporting F20.00 (Geographical breakdown)


 


 


 


 


 


 


 


 


 


 


 







ELI: http://data.europa.eu/eli/guideline/2025/2212/oj
ISSN 1977-0677 (electronic edition)