| | 30.06.2018 | 30.06.2017 | 31.12.2017 |
|---|
| EC capital | 989 | 989 | 989 |
| - ECs owned by the Bank | -5 | -5 | -5 |
| Share premium | 355 | 354 | 355 |
| Additional Tier 1 capital | 349 | 349 | 349 |
| Primary capital fund | 2 513 | 2 343 | 2 470 |
| Gift fund | 125 | 125 | 125 |
| Dividend equalisation fund | 1 260 | 1 092 | 1 216 |
| Value adjustment fund | | 51 | 78 |
| Proposed dividend for the EC holders | 0 | 0 | 138 |
| Proposed dividend for the local community | 0 | 0 | 141 |
| Other equity | 199 | 208 | 222 |
| Accumulated profit for the period | 309 | 267 | 0 |
| Total equity | 6 094 | 5 773 | 6 078 |
| Goodwill, intangible assets and other deductions | -37 | -95 | -100 |
| Value adjustments of financial instruments at fair value | -13 | -13 | -14 |
| Additional Tier 1 capital | 201 | 589 | 254 |
| Expected losses exceeding ECL, IRB portfolios | -162 | -155 | -151 |
| Proposed dividend for the EC holders | 0 | 0 | -138 |
| Proposed dividend for the local community | 0 | 0 | -141 |
| Accumulated profit for the period | -309 | -267 | 0 |
| Total Tier 1 capital | 5 774 | 5 832 | 5 788 |
| Common Equity Tier 1 capital | 5 224 | 4 894 | 5 185 |
| | | | |
| Subordinated loan capital of limited duration (supplementary capital) | 703 | 702 | 530 |
| Net equity and subordinated loan capital | 6 477 | 6 534 | 6 318 |
| | | | |
| Capital requirement by exposure classes | | | |
|---|
| | | | |
| Exposure classes SA - credit risk | 30.06.2018 | 30.06.2017 | 31.12.2017 |
|---|
| Central governments or central banks | 0 | 0 | 0 |
| Regional governments or local authorities | 11 | 15 | 14 |
| Public sector companies | 5 | 20 | 3 |
| Institutions (banks etc) | 18 | 46 | 36 |
| Companies (corporate customers) | 0 | 0 | 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 | 27 | 18 | 25 |
| Equity | 8 | 8 | 8 |
| Other items | 51 | 116 | 86 |
| Total capital requirements - credit risk, The Standardised Approach | 120 | 223 | 172 |
| | | | |
| Exposure classes IRB - credit risk | 30.06.2018 | 30.06.2017 | 31.12.2017 |
|---|
| Retail - Secured by real estate | 667 | 642 | 638 |
| Retail - Other | 49 | 48 | 47 |
| SME | 739 | 670 | 682 |
| Specialised lending | 529 | 495 | 549 |
| Other corporate lending | 252 | 307 | 252 |
| IRB-F capital requirements | 2 236 | 2 162 | 2 168 |
| Total capital requirements - credit risk | 2 356 | 2 385 | 2 340 |
| | | | |
| Exposure classes SA - market risk | 30.06.2018 | 30.06.2017 | 31.12.2017 |
|---|
| Debt | 0 | 0 | 0 |
| Equity | 0 | 0 | 0 |
| Foreign exchange | 0 | 0 | 0 |
| Credit value adjustment risk (CVA) | 23 | 29 | 29 |
| Total capital requirements - market risk | 23 | 29 | 29 |
| | | | |
| Operational Risk (Basic Indicator Approach) | 200 | 200 | 200 |
| Deductions from the capital requirement | 0 | 0 | 0 |
| Total capital requirement less transitional rules | 2 579 | 2 614 | 2 569 |
| Additional capital requirements from transitional rules | 189 | 206 | 181 |
| Total capital requirements | 2 768 | 2 820 | 2 750 |
| | | | |
| Total risk-weighted assets less transitional rules | 32 245 | 32 678 | 32 105 |
| Total risk-weighted assets from transitional rules | 2 355 | 2 572 | 2 265 |
| Total risk-weighted assets | 34 600 | 35 250 | 34 370 |
| Minimum requirement Common Equity Tier 1 capital (4.5 %) | 1 557 | 1 586 | 1 542 |
| | | | |
| Buffer Requirement | 30.06.2018 | 30.06.2017 | 31.12.2017 |
|---|
| Capital conservation buffer (2.5 %) | 865 | 881 | 859 |
| Systemic risk buffer (3.0 %) | 1 038 | 1 058 | 1 031 |
| Countercyclical buffer (2.0%) | 692 | 529 | 687 |
| Total buffer requirements | 2 595 | 2 468 | 2 578 |
| Available Common Equity Tier 1 capital after buffer requirements | 1 072 | 840 | 1 065 |
| | | | |
| Capital adequacy as a percentage of the weighted asset calculation basis incl. transitional rules | 30.06.2018 | 30.06.2017 | 31.12.2017 |
|---|
| Capital adequacy ratio | 18.7 | 18.6 | 18.4 |
| Capital adequacy ratio incl. 50 per cent of the profit for the period | 19.1 | 18.9 | - |
| Tier 1 capital ratio | 16.7 | 16.6 | 16.8 |
| Tier 1 capital ratio incl. 50 per cent of the profit for the period | 17.1 | 16.9 | - |
| Common Equity Tier 1 capital ratio | 15.1 | 13.9 | 15.0 |
| Common Equity Tier 1 capital ratio incl. 50 per cent of the profit for the period | 15.5 | 14.3 | - |
| | | | |
| Leverage Ratio (LR) | 30.06.2018 | 30.06.2017 | 31.12.2017 |
|---|
| Leverage Ratio (LR) | 7.8 | 8.1 | 8.2 |
| Leverage Ratio (LR) incl. 50 per cent of the profit for the period | 8.0 | 8.3 | - |
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