Søjle 2-krav (P2R)
Søjle 2-kravet er et bankspecifikt kapitalkrav, som gælder i tillæg til minimumskapitalkravet (også kaldet søjle 1-kravet), når dette undervurderer eller ikke dækker visse risici. En banks søjle 2-krav fastsættes som led i tilsynskontrol- og vurderingsprocessen (SREP – Supervisory Review and Evaluation Process). Kravet er retligt bindende. Banker, som ikke opfylder dette krav, kan blive pålagt tilsynsforanstaltninger, herunder sanktioner. Søjle 2-kravet omfatter ikke risikoen for uforholdsmæssig høj gearing, som er omfattet af søjle 2-kravet til gearingsgrad.
Ud over at opfylde søjle 2-kravet forventes bankerne at følge ECB's vejledning om søjle 2-krav. Den angiver det kapitalniveau, som de bør opretholde for at kunne modstå perioder med finansiel stress. I modsætning til søjle 2-kravet er vejledningen om søjle 2-krav ikke retligt bindende, da den kun afspejler tilsynsmæssige forventninger.
I henhold til artikel 431, stk. 1, artikel 433a, stk. 1, og artikel 438, litra b), i kapitalkravsforordningen skal store institutter (som defineret i artikel 4, stk. 1, nr. 146) i samme forordning) hvert år offentliggøre deres søjle 2-krav.
Læs mere om, hvordan tilsynsmyndighederne fastsætter søjle 2-kravet for banker, på ECB's særlige websted om den metode, de anvender.
ECB fortsætter desuden sin nye praksis med at offentliggøre de konsoliderede søjle 2-krav for alle de signifikante institutter, som den fører tilsyn med, når den har indhentet deres samtykke til offentliggørelse. Tabellen nedenfor viser de signifikante institutter under ECB's direkte tilsyn i 2020, 2021 og 2022 og deres søjle 2-krav for disse år. Alle signifikante institutter, der modtog en SREP-afgørelse i 2022, er også blevet bedt om at give samtykke til offentliggørelsen af deres søjle 2-krav og sølje 2-krav til gearingsgrad for fremtidige SREP-cyklusser. De kan til enhver tid trække deres samtykke tilbage.
Hvis en bank ikke var omfattet af et søjle 2-krav i 2022, er det nuværende søjle 2-krav, der er fastsat i en tidligere SREP-afgørelse, medtaget. Dette er markeret i tabellen med en asterisk (*).
Tabellen blev sidst opdateret 8. februar 2023.
Søjle 2-krav (P2R)
| Instituttets navn | P2R i 2020 gældende for 2021 | P2R i 2021 gældende for 2022 | P2R gældende for 2023 | |||
|---|---|---|---|---|---|---|
| I alt | hvoraf egentlig kernekapitalprocent (CET1) | I alt | hvoraf egentlig kernekapitalprocent (CET1) | I alt | hvoraf egentlig kernekapitalprocent (CET1) | |
| Aareal Bank AG | 2,25 pct. | 1,27 pct. | 2,75 pct. | 1,55 pct. | 3,00 pct. | 1,69 pct. |
| AB SEB bankas | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. | 2,12 pct. | 1,19 pct. |
| ABANCA Corporación Bancaria S.A. | 1,75 pct. | 0,98 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| ABN AMRO Bank N.V. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| Addiko Bank AG | - | - | 3,25 pct. | 1,83 pct. | 3,25 pct. | 1,83 pct. |
| Agri Europe Cyprus Limited | - | - | 3,25 pct. | 1,83 pct. | 3,25 pct. | 1,83 pct. |
| AIB Group plc | 3,00 pct. | 1,69 pct. | 2,75 pct. | 1,55 pct. | 2,75 pct. | 1,55 pct. |
| Akcinė bendrovė Šiaulių bankas | 1,60 pct. | 0,90 pct. | 1,60 pct. | 0,90 pct. | 2,05 pct. | 1,15 pct. |
| ALPHA SERVICES AND HOLDINGS S.A. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. |
| AS "Citadele banka" | - | - | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| AS "SEB banka" | 2,25 pct. | 1,27 pct. | 2,00 pct. | 1,13 pct. | 2,05 pct. | 1,15 pct. |
| AS LHV Group1 | - | - | - | - | - | - |
| AS SEB Pank | 2,25 pct. | 1,27 pct. | 2,00 pct. | 1,13 pct. | 2,05 pct. | 1,15 pct. |
| Banca Mediolanum S.p.A. | - | - | - | - | 1,50 pct. | 0,84 pct. |
| BANCA MONTE DEI PASCHI DI SIENA S.p.A. | 2,75 pct. | 1,55 pct. | 2,75 pct. | 1,55 pct. | 2,75 pct. | 1,55 pct. |
| Banca Popolare di Sondrio S.p.A. | 3,00 pct. | 1,69 pct. | 2,77 pct. | 1,56 pct. | 2,66 pct. | 1,50 pct. |
| Banco Bilbao Vizcaya Argentaria, S.A. | 1,50 pct. | 0,84 pct. | 1,50 pct. | 0,84 pct. | 1,71 pct. | 0,96 pct. |
| Banco BPM S.p.A. | 2,25 pct. | 1,27 pct. | 2,25 pct. | 1,27 pct. | 2,57 pct. | 1,45 pct. |
| Banco Comercial Português, SA | 2,25 pct. | 1,27 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| Banco de Crédito Social Cooperativo, S.A. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| Banco de Sabadell, S.A. | 2,25 pct. | 1,27 pct. | 2,15 pct. | 1,21 pct. | 2,15 pct. | 1,21 pct. |
| Banco Santander, S.A. | 1,50 pct. | 0,84 pct. | 1,50 pct. | 0,84 pct. | 1,58 pct. | 0,89 pct. |
| BANK OF AMERICA EUROPE DESIGNATED ACTIVITY COMPANY | 2,30 pct. | 1,29 pct. | 2,20 pct. | 1,24 pct. | 2,20 pct. | 1,24 pct. |
| Bank of Cyprus Holdings Public Limited Company | 3,00 pct. | 1,69 pct. | 3,26 pct. | 1,83 pct. | 3,08 pct. | 1,73 pct. |
| Bank of Ireland Group plc | 2,25 pct. | 1,27 pct. | 2,25 pct. | 1,27 pct. | 2,25 pct. | 1,27 pct. |
| Bank of Valletta plc | 3,25 pct. | 1,83 pct. | 3,00 pct. | 1,69 pct. | 2,75 pct. | 1,55 pct. |
| Bankinter, S.A. | 1,20 pct. | 0,68 pct. | 1,29 pct. | 0,73 pct. | 1,29 pct. | 0,73 pct. |
| Banque et Caisse d'Epargne de l'Etat, Luxembourg | 1,00 pct. | 0,56 pct. | 1,28 pct. | 0,72 pct. | 1,50 pct. | 0,84 pct. |
| Banque Internationale à Luxembourg S.A. | 1,75 pct. | 0,98 pct. | 2,00 pct. | 1,13 pct. | 2,25 pct. | 1,27 pct. |
| Barclays Bank Ireland PLC | 3 pct. + 0,3 pct./100 mio. euro (alt efter, hvad der er højest) | 1,69 pct. | - | - | 3,04 pct. | 1,71 pct. |
| BAWAG Group AG | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| Bayerische Landesbank | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| Belfius Banque SA | 2,00 pct. | 1,13 pct. | 2,13 pct. | 1,20 pct. | 2,14 pct. | 1,20 pct. |
| Biser Topco S.à.r.l. (Nova Kreditna Banka Maribor d.d.) | 3,00 pct. | 1,69 pct. | 2,30 pct. | 1,29 pct. | 2,25 pct. | 1,27 pct. |
| BNG Bank N.V. | 2,25 pct. | 1,27 pct. | 2,00 pct. | 1,13 pct. | 1,75 pct. | 0,98 pct. |
| BNP Paribas S.A. | 1,25 pct. | 0,70 pct. | 1,32 pct. | 0,74 pct. | 1,57 pct. | 0,88 pct. |
| BofA Securities Europe SA1 | - | - | - | - | - | - |
| BPCE S.A. | 1,75 pct. | 0,98 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| BPER Banca S.p.A. | 2,00 pct. | 1,13 pct. | 2,30 pct. | 1,29 pct. | 2,61 pct. | 1,47 pct. |
| Bpifrance S.A. (Banque Publique d'Investissement) | 1,50 pct. | 0,84 pct. | 1,88 pct. | 1,06 pct. | 1,75 pct. | 0,98 pct. |
| CaixaBank, S.A. | 1,50 pct. | 0,84 pct. | 1,65 pct. | 0,93 pct. | 1,65 pct. | 0,93 pct. |
| Caixa Geral de Depósitos, SA | 2,25 pct. | 1,27 pct. | 2,00 pct. | 1,13 pct. | 1,90 pct. | 1,07 pct. |
| Cassa Centrale Banca – Credito Cooperativo Italiano S.p.A. | 2,25 pct. | 1,27 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| Citibank Holdings Ireland Limited | 2,70 pct. | 1,52 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| Citigroup Global Markets Europe AG1 | - | - | - | - | - | - |
| COMMERZBANK Aktiengesellschaft | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| Confédération Nationale du Crédit Mutuel | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. |
| Coöperatieve Rabobank U.A. | 1,75 pct. | 0,98 pct. | 1,90 pct. | 1,07 pct. | 1,90 pct. | 1,07 pct. |
| Crédit Agricole S.A. | 1,50 pct. | 0,84 pct. | 1,50 pct. | 0,84 pct. | 1,50 pct. | 0,84 pct. |
| Credito Emiliano Holding S.p.A. | 1,00 pct. | 0,56 pct. | 1,00 pct. | 0,56 pct. | 1,00 pct. | 0,56 pct. |
| Crelan SA; Crelan NV | - | - | - | - | 3,16 pct. | 1,78 pct. |
| Danske Bank A/S, Finland Branch2 | - | - | - | - | - | - |
| de Volksbank N.V. | 2,50 pct. | 1,41 pct. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. |
| DekaBank Deutsche Girozentrale | 1,50 pct. | 0,84 pct. | 1,50 pct. | 0,84 pct. | 1,50 pct. | 0,84 pct. |
| Deutsche Apotheker- und Ärztebank eG | 1,25 pct. | 0,70 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| Deutsche Bank AG | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. | 2,70 pct. | 1,52 pct. |
| Deutsche Pfandbriefbank AG | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| DSK Bank AD | - | - | 1,80 pct. | 1,01 pct. | 1,94 pct. | 1,09 pct. |
| DZ BANK AG Deutsche Zentral-Genossenschaftsbank | 1,75 pct. | 0,98 pct. | 1,70 pct. | 0,96 pct. | 1,82 pct. | 1,02 pct. |
| Erste Group Bank AG | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. |
| Erwerbsgesellschaft der S-Finanzgruppe mbH & Co. KG* | 1,50 pct. | 0,84 pct. | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. |
| Eurobank Ergasias Services and Holdings S.A. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. | 2,75 pct. | 1,55 pct. |
| Finecobank S.p.A. | - | - | - | - | 1,75 pct. | 0,98 pct. |
| Goldman Sachs Bank Europe SE | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. |
| Hamburg Commercial Bank AG | 2,75 pct. | 1,55 pct. | 2,07 pct. | 1,16 pct. | 1,82 pct. | 1,02 pct. |
| HASPA Finanzholding | 1,00 pct. | 0,56 pct. | 1,25 pct. | 0,70 pct. | 1,25 pct. | 0,70 pct. |
| Hellenic Bank Public Company Limited* | 3,20 pct. | 1,80 pct. | 3,45 pct. | 1,94 pct. | 3,45 pct. | 1,94 pct. |
| HSBC Bank Malta p.l.c.3 | 2,25 pct. | 1,27 pct. | 2,25 pct. | 1,27 pct. | - | - |
| HSBC Group in Continental Europe4 | 3,00 pct. | 1,69 pct. | 3,24 pct. | 1,82 pct. | - | - |
| Ibercaja Banco, S.A. | 2,00 pct. | 1,13 pct. | 2,15 pct. | 1,21 pct. | 2,15 pct. | 1,21 pct. |
| Iccrea Banca S.p.A. - Istituto Centrale del Credito Cooperativo | 2,50 pct. | 1,41 pct. | 2,83 pct. | 1,59 pct. | 2,80 pct. | 1,58 pct. |
| ING Groep N.V. | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. |
| Intesa Sanpaolo S.p.A. | 1,50 pct. | 0,84 pct. | 1,79 pct. | 1,01 pct. | 1,72 pct. | 0,97 pct. |
| Investeringsmaatschappij Argenta NV | 1,75 pct. | 0,98 pct. | 1,50 pct. | 0,84 pct. | 1,50 pct. | 0,84 pct. |
| J.P. Morgan SE* | 3,25 pct. | 1,83 pct. | 2,75 pct. | 1,55 pct. | 2,75 pct. | 1,55 pct. |
| KBC Group NV | 1,75 pct. | 0,98 pct. | 1,86 pct. | 1,05 pct. | 1,86 pct. | 1,05 pct. |
| Kuntarahoitus Oyj | 2,25 pct. | 1,27 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| Kutxabank, S.A. | 1,20 pct. | 0,68 pct. | 1,20 pct. | 0,68 pct. | 1,20 pct. | 0,68 pct. |
| La Banque Postale | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. |
| Landesbank Baden-Württemberg* | 1,75 pct. | 0,98 pct. | 1,83 pct. | 1,03 pct. | 1,83 pct. | 1,03 pct. |
| Landesbank Hessen-Thüringen Girozentrale | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. | 2,00 pct. | 1,13 pct. |
| LP Group B.V.* | - | - | 3,90 pct. | 2,19 pct. | 3,90 pct. | 2,19 pct. |
| LSF Nani Investments S.à.r.l. (Novo Banco, S.A.) | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. |
| Luminor Holding AS | 2,00 pct. | 1,13 pct. | 2,20 pct. | 1,24 pct. | 2,20 pct. | 1,24 pct. |
| MDB Group Limited | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. |
| Mediobanca - Banca di Credito Finanziario S.p.A. | 1,25 pct. | 0,70 pct. | 1,58 pct. | 0,89 pct. | 1,68 pct. | 0,94 pct. |
| Morgan Stanley Europe Holding SE | 2,75 pct. | 1,55 pct. | 2,75 pct. | 1,55 pct. | 2,75 pct. | 1,55 pct. |
| Münchener Hypothekenbank eG | 1,50 pct. | 0,84 pct. | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. |
| National Bank of Greece S.A. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. |
| Nederlandse Waterschapsbank N.V. | 2,25 pct. | 1,27 pct. | 2,00 pct. | 1,13 pct. | 2,25 pct. | 1,27 pct. |
| Norddeutsche Landesbank-Girozentrale | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| Nordea Bank Abp | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. | 1,60 pct. | 0,90 pct. |
| Nova Ljubljanska banka d.d. Ljubljana | 2,75 pct. | 1,55 pct. | 2,60 pct. | 1,46 pct. | 2,40 pct. | 1,35 pct. |
| OP Osuuskunta | 2,25 pct. | 1,27 pct. | 2,25 pct. | 1,27 pct. | 2,25 pct. | 1,27 pct. |
| Piraeus Financial Holdings S.A. | 3,25 pct. | 1,83 pct. | 3,00 pct. | 1,69 pct. | 3,00 pct. | 1,69 pct. |
| Quintet Private Bank (Europe) S.A. | 2,00 pct. | 1,13 pct. | 2,75 pct. | 1,55 pct. | 3,25 pct. | 1,83 pct. |
| Raiffeisen Bank International AG | 2,25 pct. | 1,27 pct. | 2,20 pct. | 1,24 pct. | 2,58 pct. | 1,45 pct. |
| Raiffeisenbankengruppe OÖ Verbund eGen | 1,75 pct. | 0,98 pct. | 2,00 pct. | 1,13 pct. | 2,01 pct. | 1,13 pct. |
| RBC Investor Services Bank S.A. | 2,00 pct. | 1,13 pct. | 2,10 pct. | 1,18 pct. | 2,30 pct. | 1,29 pct. |
| RCI Banque SA | 2,00 pct. | 1,13 pct. | 2,01 pct. | 1,13 pct. | 2,01 pct. | 1,13 pct. |
| Sberbank Europe AG in Abwicklung5 | 3,25 pct. | 1,83 pct. | 3,25 pct. | 1,83 pct. | - | - |
| SFIL S.A. | 0,75 pct. | 0,42 pct. | 0,75 pct. | 0,42 pct. | 0,75 pct. | 0,42 pct. |
| Société Générale S.A. | 1,75 pct. | 0,98 pct. | 2,12 pct. | 1,19 pct. | 2,14 pct. | 1,20 pct. |
| State Street Europe Holdings Germany S.à.r.l. & Co. KG | 2,00 pct. | 1,13 pct. | 2,40 pct. | 1,35 pct. | 2,80 pct. | 1,58 pct. |
| Swedbank Baltics AS | - | - | - | - | 1,80 pct. | 1,01 pct. |
| The Bank of New York Mellon SA | 2,00 pct. | 1,13 pct. | 2,00 pct. | 1,13 pct. | 2,10 pct. | 1,18 pct. |
| UBS Europe SE | 2,50 pct. | 1,41 pct. | 2,25 pct. | 1,27 pct. | 2,00 pct. | 1,13 pct. |
| Ulster Bank Ireland Designated Activity Company* | 3,50 pct. | 1,97 pct. | 3,60 pct. | 2,03 pct. | 3,60 pct. | 2,03 pct. |
| Unicaja Banco, S.A. | 1,75 pct. | 0,98 pct. | - | - | 2,25 pct. | 1,27 pct. |
| UniCredit S.p.A. | 1,75 pct. | 0,98 pct. | 1,75 pct. | 0,98 pct. | 2,00 pct. | 1,13 pct. |
| Volksbank Wien AG | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. | 2,50 pct. | 1,41 pct. |
| Volkswagen Bank GmbH | 2,00 pct. | 1,13 pct. | 2,25 pct. | 1,27 pct. | 2,25 pct. | 1,27 pct. |
- Instituttet har endnu ikke modtaget en kapitalafgørelse.
- Dette institut er en filial og modtager ikke en kapitalafgørelse.
- Instituttet har været et datterselskab af HSBC Continental Europe siden 1. februar 2023.
- I overensstemmelse med principperne i ECB's vejledning om den tilsynsmæssige tilgang til konsolidering i banksektoren var HSBC Continental Europe ikke underlagt den almindelige tidsplan for SREP 2022, da den havde påbegyndt en konsolidering. Når der er vedtaget en ny kapitalafgørelse vedrørende HSBC Continental Europe, vil det gældende søjle 2-krav blive offentliggjort. Indtil da er HSBC Continental Europe fortsat underlagt kapitalgrundlagskravene i den tidligere SREP-afgørelse.
- Afgrænsningen af det konsoliderede tilsyn, der var underlagt søjle 2-kravet, findes ikke længere. Instituttet er derfor ikke underlagt et søjle 2-krav.