Søjle 2-krav (P2R)
Søjle 2-kravet (Pillar 2-requirements, P2R) er et bankspecifikt kapitalkrav, som gælder i tillæg til minimumskapitalkravet (også kaldet søjle 1), når dette undervurderer eller ikke dækker visse risici. En banks P2R fastsættes som led i tilsynskontrol- og vurderingsprocessen eller SREP (Supervisory Review and Evaluation Process). Kravet er retligt bindende. Institutter, som ikke opfylder dette krav, kan blive pålagt tilsynsforanstaltninger (herunder sanktioner). P2R omfatter ikke risikoen for uforholdsmæssig høj gearing, som er omfattet af søjle 2-kravet vedrørende gearingsgrad (P2R-LR).
Ud over at opfylde P2R forventes institutterne også at følge søjle 2-vejledningen (Pillar 2 guidance, P2G), som udstedes af ECB. En banks P2G viser det kapitalniveau, som den bør fastholde for at modstå finansiel stress. I modsætning til P2R er P2G 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 kapitalkravsforordningen) hvert år offentliggøre deres P2R.
ECB fortsætter desuden sin nye praksis med at offentliggøre de konsoliderede P2R for alle de signifikante institutter, som den fører tilsyn med, når den har indhentet deres samtykke til offentliggørelse. Tabellen nedenfor viser navnene på de signifikante institutter, som var underlagt ECB's tilsyn, og deres P2R for 2020, 2021 og 2022. Alle signifikante institutter, som modtog en SREP-afgørelse i 2022, er blevet anmodet om også at give deres samtykke til offentliggørelsen af deres P2R og P2R-LR for fremtidige cyklusser. Banker kan til enhver tid trække deres samtykke tilbage.
Hvis en bank ikke modtog en P2R-afgørelse i 2022, angives det gældende P2R, som blev fastsat i en tidligere afgørelse. Dette er markeret i tabellen med en asterisk (*).
Denne tabel blev sidst opdateret den 8. februar 2023.
Søjle 2-krav
| 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 blev et datterselskab af HSBC Continental Europe pr. 1. februar 2023.
- I overensstemmelse med ECB's vejledning om den tilsynsmæssige tilgang til konsolidering i banksektoren blev HSBC Continental Europe udelukket fra de almindelige frister i forbindelse med SREP 2022-vurderingen, da det havde indledt en konsolidering. Når der er truffet en ny kapitalafgørelse vedrørende HSBC Continental Europe, offentliggøres det gældende P2R. Indtil da, er HSBC Continental Europe stadig omfattet af de kapitalgrundlagskrav, der er fastsat i den foregående SREP-afgørelse.
- Afgrænsningen af det konsoliderede tilsyn, i overensstemmelse med den pålagte P2R-afgørelse, findes ikke længere. Instituttet er følgelig ikke underlagt et P2R.