| | 30.06.2016 | 30.06.2015 | 31.12.2015 |
|---|
| Core Capital | | | |
|---|
| EC capital | 989 | 989 | 989 |
| - ECs owned by the Bank | -13 | -15 | -13 |
| Share premium | 354 | 354 | 354 |
| Dividend equalisation fund | 936 | 799 | 935 |
| Gift fund | 125 | 125 | 125 |
| Primary capital fund | 2 183 | 2 044 | 2 183 |
| Value adjustment fund | 82 | 34 | 82 |
| Proposed dividend for the EC holders | 0 | 0 | 114 |
| Proposed dividend for the local community | 0 | 0 | 115 |
| Other equity | 229 | 238 | 228 |
| Accumulated profit for the period | 268 | 267 | 0 |
| Total equity | 5 153 | 4 835 | 5 112 |
| Deferred tax, goodwill and intangible assets | -51 | -50 | -47 |
| Value adjustments of financial instruments at fair value | -14 | -12 | -14 |
| Value adjustment fund | -82 | -34 | -82 |
| Perpetual Hybrid Tier 1 capital | 807 | 805 | 808 |
| Expected losses exceeding actual losses, IRB portfolios corporate | -121 | -255 | -175 |
| Proposed dividend for the EC holders | 0 | 0 | -114 |
| Proposed dividend for the local community | 0 | 0 | -115 |
| Accumulated profit for the period | -268 | -267 | 0 |
| Total core capital | 5 423 | 5 022 | 5 373 |
| Common equity Tier 1 Capital | 4 616 | 4 217 | 4 565 |
| | | | |
| Supplementary capital | | | |
| Subordinated loan capital of limited duration | 501 | 502 | 501 |
| 36 % addition for net unrealised gains on shares available for sale | 0 | 0 | 0 |
| 50 % deduction for equity in other financial institutions | 0 | 0 | 0 |
| Total supplementary capital | 501 | 502 | 501 |
| Net equity and subordinated loan capital | 5 924 | 5 524 | 5 874 |
| | | | |
| Capital requirement by exposure classes | | | |
| | | | |
| Exposure classes SA - credit risk | 30.06.2016 | 30.06.2015 | 31.12.2015 |
|---|
| Central governments or central banks | 0 | 0 | 0 |
| Regional governments or local authorities | 11 | 5 | 6 |
| Public sector companies | 22 | 21 | 20 |
| Institutions (banks etc) | 66 | 41 | 52 |
| Companies (corporate customers) | 3 | 29 | 5 |
| Mass marked (retail banking customers) | 0 | 0 | 0 |
| Secured by mortgage on immovable property | 0 | 0 | 0 |
| Exposures in default | 0 | 0 | 0 |
| Covered bonds | 18 | 14 | 16 |
| Equity | 8 | 8 | 8 |
| Other items | 119 | 93 | 114 |
| Total capital requirements - credit risk, The Standardised Approach | 247 | 211 | 221 |
| | | | |
| Exposure classes IRB - credit risk | 30.06.2016 | 30.06.2015 | 31.12.2015 |
|---|
| Retail - Secured by real estate | 584 | 570 | 562 |
| Retail - Other | 46 | 52 | 46 |
| SME | 684 | 884 | 773 |
| Specialised lending | 500 | 495 | 512 |
| Other corporate lending | 263 | 185 | 252 |
| IRB-F capital requirements | 2 077 | 2 186 | 2 145 |
| Total capital requirements - credit risk | 2 324 | 2 397 | 2 366 |
| | | | |
| Exposure classes SA - market risk | 30.06.2016 | 30.06.2015 | 31.12.2015 |
|---|
| Debt | 0 | 0 | 0 |
| Equity | 0 | 0 | 0 |
| Foreign exchange | 0 | 0 | 0 |
| Credit value adjustment risk (CVA) | 41 | 18 | 40 |
| Total capital requirements - market risk | 41 | 18 | 40 |
| | | | |
| Operational Risk (Basic Indicator Approach) | 194 | 190 | 190 |
| Deductions from the capital requirement | 0 | 0 | 0 |
| Total capital requirement less transitional rules | 2 559 | 2 605 | 2 596 |
| Additional capital requirements from transitional rules 1) | 63 | 0 | 0 |
| Total capital requirements | 2 622 | 44 980 | 45 155 |
| | | | |
| Total risk-weighted assets less transitional rules | 31 990 | 32 580 | 32 455 |
| Total risk-weighted assets from transitional rules | 793 | 0 | 0 |
| Total risk-weighted assets | 32 783 | 32 580 | 32 455 |
| Minimum requirement common equity Tier 1 capital (4.5 %) | 1 475 | 1 466 | 1 460 |
| | | | |
| Buffer Requirement | 30.06.2016 | 30.06.2015 | 31.12.2015 |
|---|
| Capital conservation buffer (2.5 %) | 820 | 815 | 811 |
| Systemic risk buffer (3.0 %) | 983 | 977 | 974 |
| Countercyclical buffer (1.0%) | 492 | | 325 |
| Total buffer requirements | 2 295 | 1 792 | 2 110 |
| Available common equity Tier 1 capital after buffer requirements | 846 | 959 | 995 |
| | | | |
| Capital adequacy as a percentage of the weighted asset calculation basis incl. transitional rules | 30.06.2016 | 30.06.2015 | 31.12.2015 |
|---|
| Capital adequacy ratio | 18.0 | 17.0 | 18.1 |
| Capital adequacy ratio incl. 50 per cent of the profit for the period | 18.5 | 17.4 | |
| Core capital ratio | 16.5 | 15.4 | 16.6 |
| Core capital ratio incl. 50 per cent of the profit for the period | 17.0 | 15.8 | |
| Core Tier 1 capital ratio | 14.1 | 13.0 | 14.1 |
| Core Tier 1 capital ratio incl. 50 per cent of the profit for the period | 14.5 | 13.5 | |
| | | | |
| Leverage Ratio (LR) | 30.06.2016 | 30.06.2015 | 31.12.2015 |
|---|
| Leverage Ratio (LR) | 7.8 | 7.6 | 8.0 |
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