| | 30.06.2017 | 30.06.2016 | 31.12.2016 |
|---|
| Core Capital | | | |
|---|
| EC capital | 989 | 989 | 989 |
| - ECs owned by the Bank | -5 | -13 | -3 |
| Share premium | 354 | 354 | 354 |
| Additional Tier 1 capital | 349 | 0 | 0 |
| Primary capital fund | 2 343 | 2 183 | 2 346 |
| Gift fund | 125 | 125 | 125 |
| Dividend equalisation fund | 1 092 | 936 | 1 092 |
| Value adjustment fund | 51 | 82 | 51 |
| Proposed dividend for the EC holders | 0 | 0 | 138 |
| Proposed dividend for the local community | 0 | 0 | 141 |
| Other equity | 208 | 229 | 208 |
| Accumulated profit for the period | 267 | 277 | 0 |
| Total equity | 5 773 | 5 162 | 5 441 |
| Goodwill and intangible assets | -44 | -51 | -47 |
| Value adjustments of financial instruments at fair value | -13 | -14 | -14 |
| Value adjustment fund | -51 | -82 | -51 |
| Perpetual Hybrid Tier 1 capital | 589 | 807 | 800 |
| Expected losses exceeding actual losses, IRB portfolios | -155 | -121 | -219 |
| Proposed dividend for the EC holders | 0 | 0 | -138 |
| Proposed dividend for the local community | 0 | 0 | -141 |
| Accumulated profit for the period | -267 | -277 | 0 |
| Total core capital | 5 832 | 5 423 | 5 630 |
| Common equity Tier 1 Capital | 4 894 | 4 616 | 4 830 |
| | | | |
| Supplementary capital | | | |
| Subordinated loan capital of limited duration | 702 | 501 | 502 |
| 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 | 702 | 501 | 502 |
| Net equity and subordinated loan capital | 6 534 | 5 924 | 6 132 |
| | | | |
| Capital requirement by exposure classes | | | |
|---|
| | | | |
| Exposure classes SA - credit risk | 30.06.2017 | 30.06.2016 | 31.12.2016 |
|---|
| Central governments or central banks | 0 | 0 | 0 |
| Regional governments or local authorities | 15 | 11 | 14 |
| Public sector companies | 20 | 22 | 17 |
| Institutions (banks etc) | 46 | 66 | 46 |
| Companies (corporate customers) | 0 | 3 | 0 |
| 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 | 18 | 20 |
| Equity | 8 | 8 | 8 |
| Other items | 116 | 119 | 121 |
| Total capital requirements - credit risk, The Standardised Approach | 223 | 247 | 226 |
| | | | |
| Exposure classes IRB - credit risk | 30.06.2017 | 30.06.2016 | 31.12.2016 |
|---|
| Retail - Secured by real estate | 642 | 584 | 602 |
| Retail - Other | 48 | 46 | 46 |
| SME | 670 | 684 | 629 |
| Specialised lending | 495 | 500 | 415 |
| Other corporate lending | 307 | 263 | 465 |
| IRB-F capital requirements | 2 162 | 2 077 | 2 157 |
| Total capital requirements - credit risk | 2 385 | 2 324 | 2 383 |
| | | | |
| Exposure classes SA - market risk | 30.06.2017 | 30.06.2016 | 31.12.2016 |
|---|
| Debt | 0 | 0 | 0 |
| Equity | 0 | 0 | 0 |
| Foreign exchange | 0 | 0 | 0 |
| Credit value adjustment risk (CVA) | 29 | 41 | 29 |
| Total capital requirements - market risk | 29 | 41 | 29 |
| | | | |
| Operational Risk (Basic Indicator Approach) | 200 | 194 | 194 |
| Deductions from the capital requirement | 0 | 0 | 0 |
| Total capital requirement less transitional rules | 2 614 | 2 559 | 2 606 |
| Additional capital requirements from transitional rules 1) | 206 | 63 | 35 |
| Total capital requirements | 2 820 | 2 622 | 2 641 |
| | | | |
| Total risk-weighted assets less transitional rules | 32 678 | 31 990 | 32 553 |
| Total risk-weighted assets from transitional rules | 2 572 | 793 | 455 |
| Total risk-weighted assets | 35 250 | 32 783 | 33 008 |
| Minimum requirement common equity Tier 1 capital (4.5 %) | 1 586 | 1 475 | 1 483 |
| | | | |
| Buffer Requirement | 30.06.2017 | 30.06.2016 | 31.12.2016 |
|---|
| Capital conservation buffer (2.5 %) | 881 | 820 | 825 |
| Systemic risk buffer (3.0 %) | 1 058 | 983 | 990 |
| Countercyclical buffer (1.5%) | 529 | 492 | 495 |
| Total buffer requirements | 2 468 | 2 295 | 2 310 |
| Available common equity Tier 1 capital after buffer requirements | 840 | 846 | 1 037 |
| | | | |
| Capital adequacy as a percentage of the weighted asset calculation basis incl. transitional rules | 30.06.2017 | 30.06.2016 | 31.12.2016 |
|---|
| Capital adequacy ratio | 18.6 | 18.0 | 18.6 |
| Capital adequacy ratio incl. 50 per cent of the profit for the period | 18.9 | 18.5 | |
| Core capital ratio | 16.6 | 16.5 | 17.0 |
| Core capital ratio incl. 50 per cent of the profit for the period | 16.9 | 17.0 | |
| Core Tier 1 capital ratio | 13.9 | 14.1 | 14.6 |
| Core Tier 1 capital ratio incl. 50 per cent of the profit for the period | 14.3 | 14.5 | |
| | | | |
| Leverage Ratio (LR) | 30.06.2017 | 30.06.2016 | 31.12.2016 |
|---|
| Leverage Ratio (LR) | 8.3 | 7.8 | 8.5 |
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