2. pīlāra prasības (P2R)
2. pīlāra prasības (Pillar 2 Requirement; P2R) ir katrai bankai konkrēti noteiktas kapitāla pietiekamības prasības, ko piemēro papildus minimālajām kapitāla prasībām (tā dēvētajām 1. pīlāra prasībām) un kas aptver tos riskus, kurus pietiekami nenovērtē vai neaptver minimālās kapitāla prasības. Bankas 2. pīlāra prasības nosaka uzraudzības pārbaudes un novērtēšanas procesa (Supervisory Review and Evaluation Process; SREP) ietvaros. Šīs prasības ir juridiski saistošas un, ja iestādes tās nepilda, tām var piemērot uzraudzības pasākumus (t.sk. sankcijas). 2. pīlāra prasības neietver pārmērīgas sviras risku. Tas ietverts sviras rādītāja 2. pīlāra prasībās (P2R-LR).
Papildus 2. pīlāra prasību ievērošanai tiek sagaidīts, ka iestādes nodrošina atbilstību arī ECB noteiktajām 2. pīlāra norādēm (Pillar 2 Guidance, P2G). Bankas 2. pīlāra norādes attiecas uz kapitāla līmeni, kāds bankai jāuztur, lai izturētu finanšu stresu. Atšķirībā no 2. pīlāra prasībām 2. pīlāra norādes nav juridiski saistošas, jo tās atspoguļo tikai uzraudzības gaidas.
Saskaņā ar Kapitāla prasību regulas (CRR) 431. panta 1. punkta, 433.a panta 1. punkta un 438. panta b) punkta noteikumiem lielajām iestādēm (atbilstoši CRR 4. panta 1. punkta 146. apakšpunktā sniegtajai definīcijai) reizi gadā jāatklāj noteiktās 2. pīlāra prasības.
Turklāt ECB turpina neseno praksi publicēt visu tās uzraudzībā esošo nozīmīgo iestāžu 2. pīlāra prasības, ja iestādes sniegušas publicēšanas atļauju. Tālāk tabulā redzamas ECB uzraudzītās nozīmīgas iestādes un to 2. pīlāra prasības 2020., 2021. un 2022. gadā. Visas nozīmīgās iestādes, kuras 2022. gadā saņēmušas SREP lēmumu, tiek aicinātas sniegt piekrišanu par to 2. pīlāra prasību un sviras rādītāja 2. pīlāra prasību publicēšanu arī turpmākajiem cikliem. Bankas piekrišanu var atsaukt jebkurā laikā.
Ja banka 2022. gadā nav saņēmusi lēmumu par 2. pīlāra prasībām, norādītas šobrīd piemērojamās 2. pīlāra prasības, kas noteiktas iepriekšējā lēmumā. Tabulā tas atzīmēts ar zvaigznīti (*).
Tabula aktualizēta 08.02.2023.
2. pīlāra prasības
| Iestādes nosaukums | 2020. gada P2R (jāpiemēro 2021. gadā) | 2021. gada P2R (jāpiemēro 2022. gadā) | P2R (jāpiemēro 2023. gadā) | |||
|---|---|---|---|---|---|---|
| Kopā | t.sk. obligāti CET1 | Kopā | t.sk. obligāti CET1 | Kopā | t.sk. obligāti CET1 | |
| Aareal Bank AG | 2.25% | 1.27% | 2.75% | 1.55% | 3.00% | 1.69% |
| AB SEB bankas | 2.00% | 1.13% | 2.00% | 1.13% | 2.12% | 1.19% |
| ABANCA Corporación Bancaria S.A. | 1.75% | 0.98% | 2.00% | 1.13% | 2.00% | 1.13% |
| ABN AMRO Bank N.V. | 2.00% | 1.13% | 2.00% | 1.13% | 2.00% | 1.13% |
| Addiko Bank AG | n.p. | n.p. | 3.25% | 1.83% | 3.25% | 1.83% |
| Agri Europe Cyprus Limited | n.p. | n.p. | 3.25% | 1.83% | 3.25% | 1.83% |
| AIB Group plc | 3.00% | 1.69% | 2.75% | 1.55% | 2.75% | 1.55% |
| Akcinė bendrovė Šiaulių bankas | 1.60% | 0.90% | 1.60% | 0.90% | 2.05% | 1.15% |
| ALPHA SERVICES AND HOLDINGS S.A. | 3.00% | 1.69% | 3.00% | 1.69% | 3.00% | 1.69% |
| AS "Citadele banka" | n.p. | n.p. | 2.50% | 1.41% | 2.50% | 1.41% |
| AS "SEB banka" | 2.25% | 1.27% | 2.00% | 1.13% | 2.05% | 1.15% |
| AS LHV Group1 | n.p. | n.p. | n.p. | n.p. | n.p. | n.p. |
| AS SEB Pank | 2.25% | 1.27% | 2.00% | 1.13% | 2.05% | 1.15% |
| Banca Mediolanum S.p.A. | n.p. | n.p. | n.p. | n.p. | 1.50% | 0.84% |
| BANCA MONTE DEI PASCHI DI SIENA S.p.A. | 2.75% | 1.55% | 2.75% | 1.55% | 2.75% | 1.55% |
| Banca Popolare di Sondrio S.p.A. | 3.00% | 1.69% | 2.77% | 1.56% | 2.66% | 1.50% |
| Banco Bilbao Vizcaya Argentaria, S.A. | 1.50% | 0.84% | 1.50% | 0.84% | 1.71% | 0.96% |
| Banco BPM S.p.A. | 2.25% | 1.27% | 2.25% | 1.27% | 2.57% | 1.45% |
| Banco Comercial Português, SA | 2.25% | 1.27% | 2.50% | 1.41% | 2.50% | 1.41% |
| Banco de Crédito Social Cooperativo, S.A. | 2.50% | 1.41% | 2.50% | 1.41% | 2.50% | 1.41% |
| Banco de Sabadell, S.A. | 2.25% | 1.27% | 2.15% | 1.21% | 2.15% | 1.21% |
| Banco Santander, S.A. | 1.50% | 0.84% | 1.50% | 0.84% | 1.58% | 0.89% |
| BANK OF AMERICA EUROPE DESIGNATED ACTIVITY COMPANY | 2.30% | 1.29% | 2.20% | 1.24% | 2.20% | 1.24% |
| Bank of Cyprus Holdings Public Limited Company | 3.00% | 1.69% | 3.26% | 1.83% | 3.08% | 1.73% |
| Bank of Ireland Group plc | 2.25% | 1.27% | 2.25% | 1.27% | 2.25% | 1.27% |
| Bank of Valletta plc | 3.25% | 1.83% | 3.00% | 1.69% | 2.75% | 1.55% |
| Bankinter, S.A. | 1.20% | 0.68% | 1.29% | 0.73% | 1.29% | 0.73% |
| Banque et Caisse d’Epargne de l’Etat, Luxembourg | 1.00% | 0.56% | 1.28% | 0.72% | 1.50% | 0.84% |
| Banque Internationale à Luxembourg S.A. | 1.75% | 0.98% | 2.00% | 1.13% | 2.25% | 1.27% |
| Barclays Bank Ireland PLC | 3% + 0.3%/100 milj. euro (izvēloties augstāko) | 1.69% | n.p. | n.p. | 3.04% | 1.71% |
| BAWAG Group AG | 2.00% | 1.13% | 2.00% | 1.13% | 2.00% | 1.13% |
| Bayerische Landesbank | 2.00% | 1.13% | 2.00% | 1.13% | 2.00% | 1.13% |
| Belfius Banque SA | 2.00% | 1.13% | 2.13% | 1.20% | 2.14% | 1.20% |
| Biser Topco S.à.r.l. (Nova Kreditna Banka Maribor d.d.) | 3.00% | 1.69% | 2.30% | 1.29% | 2.25% | 1.27% |
| BNG Bank N.V. | 2.25% | 1.27% | 2.00% | 1.13% | 1.75% | 0.98% |
| BNP Paribas S.A. | 1.25% | 0.70% | 1.32% | 0.74% | 1.57% | 0.88% |
| BofA Securities Europe SA1 | n.p. | n.p. | n.p. | n.p. | n.p. | n.p. |
| BPCE S.A. | 1.75% | 0.98% | 2.00% | 1.13% | 2.00% | 1.13% |
| BPER Banca S.p.A. | 2.00% | 1.13% | 2.30% | 1.29% | 2.61% | 1.47% |
| Bpifrance S.A. (Banque Publique d’Investissement) | 1.50% | 0.84% | 1.88% | 1.06% | 1.75% | 0.98% |
| CaixaBank, S.A. | 1.50% | 0.84% | 1.65% | 0.93% | 1.65% | 0.93% |
| Caixa Geral de Depósitos, SA | 2.25% | 1.27% | 2.00% | 1.13% | 1.90% | 1.07% |
| Cassa Centrale Banca – Credito Cooperativo Italiano S.p.A. | 2.25% | 1.27% | 2.50% | 1.41% | 2.50% | 1.41% |
| Citibank Holdings Ireland Limited | 2.70% | 1.52% | 2.50% | 1.41% | 2.50% | 1.41% |
| Citigroup Global Markets Europe AG1 | n.p. | n.p. | n.p. | n.p. | n.p. | n.p. |
| COMMERZBANK Aktiengesellschaft | 2.00% | 1.13% | 2.00% | 1.13% | 2.00% | 1.13% |
| Confédération Nationale du Crédit Mutuel | 1.75% | 0.98% | 1.75% | 0.98% | 1.75% | 0.98% |
| Coöperatieve Rabobank U.A. | 1.75% | 0.98% | 1.90% | 1.07% | 1.90% | 1.07% |
| Crédit Agricole S.A. | 1.50% | 0.84% | 1.50% | 0.84% | 1.50% | 0.84% |
| Credito Emiliano Holding S.p.A. | 1.00% | 0.56% | 1.00% | 0.56% | 1.00% | 0.56% |
| Crelan SA; Crelan NV | n.p. | n.p. | n.p. | n.p. | 3.16% | 1.78% |
| Danske BAnk A/S, Finland Branch2 | n.p. | n.p. | n.p. | n.p. | n.p. | n.p. |
| de Volksbank N.V. | 2.50% | 1.41% | 3.00% | 1.69% | 3.00% | 1.69% |
| DekaBank Deutsche Girozentrale | 1.50% | 0.84% | 1.50% | 0.84% | 1.50% | 0.84% |
| Deutsche Apotheker- und Ärztebank eG | 1.25% | 0.70% | 2.50% | 1.41% | 2.50% | 1.41% |
| Deutsche Bank AG | 2.50% | 1.41% | 2.50% | 1.41% | 2.70% | 1.52% |
| Deutsche Pfandbriefbank AG | 2.50% | 1.41% | 2.50% | 1.41% | 2.50% | 1.41% |
| DSK Bank AD | n.p. | n.p. | 1.80% | 1.01% | 1.94% | 1.09% |
| DZ BANK AG Deutsche Zentral-Genossenschaftsbank | 1.75% | 0.98% | 1.70% | 0.96% | 1.82% | 1.02% |
| Erste Group Bank AG | 1.75% | 0.98% | 1.75% | 0.98% | 1.75% | 0.98% |
| Erwerbsgesellschaft der S-Finanzgruppe mbH & Co. KG* | 1.50% | 0.84% | 1.75% | 0.98% | 1.75% | 0.98% |
| Eurobank Ergasias Services and Holdings S.A. | 3.00% | 1.69% | 3.00% | 1.69% | 2.75% | 1.55% |
| Finecobank S.p.A. | n.p. | n.p. | n.p. | n.p. | 1.75% | 0.98% |
| Goldman Sachs Bank Europe SE | 3.00% | 1.69% | 3.00% | 1.69% | 3.00% | 1.69% |
| Hamburg Commercial Bank AG | 2.75% | 1.55% | 2.07% | 1.16% | 1.82% | 1.02% |
| HASPA Finanzholding | 1.00% | 0.56% | 1.25% | 0.70% | 1.25% | 0.70% |
| Hellenic Bank Public Company Limited* | 3.20% | 1.80% | 3.45% | 1.94% | 3.45% | 1.94% |
| HSBC Bank Malta p.l.c.3 | 2.25% | 1.27% | 2.25% | 1.27% | n.p. | n.p. |
| HSBC Group in Continental Europe4 | 3.00% | 1.69% | 3.24% | 1.82% | n.p. | n.p. |
| Ibercaja Banco, S.A. | 2.00% | 1.13% | 2.15% | 1.21% | 2.15% | 1.21% |
| Iccrea Banca S.p.A. - Istituto Centrale del Credito Cooperativo | 2.50% | 1.41% | 2.83% | 1.59% | 2.80% | 1.58% |
| ING Groep N.V. | 1.75% | 0.98% | 1.75% | 0.98% | 1.75% | 0.98% |
| Intesa Sanpaolo S.p.A. | 1.50% | 0.84% | 1.79% | 1.01% | 1.72% | 0.97% |
| Investeringsmaatschappij Argenta NV | 1.75% | 0.98% | 1.50% | 0.84% | 1.50% | 0.84% |
| J.P. Morgan SE* | 3.25% | 1.83% | 2.75% | 1.55% | 2.75% | 1.55% |
| KBC Group NV | 1.75% | 0.98% | 1.86% | 1.05% | 1.86% | 1.05% |
| Kuntarahoitus Oyj | 2.25% | 1.27% | 2.00% | 1.13% | 2.00% | 1.13% |
| Kutxabank, S.A. | 1.20% | 0.68% | 1.20% | 0.68% | 1.20% | 0.68% |
| La Banque Postale | 2.00% | 1.13% | 2.00% | 1.13% | 2.00% | 1.13% |
| Landesbank Baden-Württemberg* | 1.75% | 0.98% | 1.83% | 1.03% | 1.83% | 1.03% |
| Landesbank Hessen-Thüringen Girozentrale | 1.75% | 0.98% | 1.75% | 0.98% | 2.00% | 1.13% |
| LP Group B.V.* | n.p. | n.p. | 3.90% | 2.19% | 3.90% | 2.19% |
| LSF Nani Investments S.à.r.l. (Novo Banco, S.A.) | 3.00% | 1.69% | 3.00% | 1.69% | 3.00% | 1.69% |
| Luminor Holding AS | 2.00% | 1.13% | 2.20% | 1.24% | 2.20% | 1.24% |
| MDB Group Limited | 3.00% | 1.69% | 3.00% | 1.69% | 3.00% | 1.69% |
| Mediobanca - Banca di Credito Finanziario S.p.A. | 1.25% | 0.70% | 1.58% | 0.89% | 1.68% | 0.94% |
| Morgan Stanley Europe Holding SE | 2.75% | 1.55% | 2.75% | 1.55% | 2.75% | 1.55% |
| Münchener Hypothekenbank eG | 1.50% | 0.84% | 1.75% | 0.98% | 1.75% | 0.98% |
| National Bank of Greece S.A. | 3.00% | 1.69% | 3.00% | 1.69% | 3.00% | 1.69% |
| Nederlandse Waterschapsbank N.V. | 2.25% | 1.27% | 2.00% | 1.13% | 2.25% | 1.27% |
| Norddeutsche Landesbank - Girozentrale | 2.50% | 1.41% | 2.50% | 1.41% | 2.50% | 1.41% |
| Nordea Bank Abp | 1.75% | 0.98% | 1.75% | 0.98% | 1.60% | 0.90% |
| Nova Ljubljanska banka d.d. Ljubljana | 2.75% | 1.55% | 2.60% | 1.46% | 2.40% | 1.35% |
| OP Osuuskunta | 2.25% | 1.27% | 2.25% | 1.27% | 2.25% | 1.27% |
| Piraeus Financial Holdings S.A. | 3.25% | 1.83% | 3.00% | 1.69% | 3.00% | 1.69% |
| Quintet Private Bank (Europe) S.A. | 2.00% | 1.13% | 2.75% | 1.55% | 3.25% | 1.83% |
| Raiffeisen Bank International AG | 2.25% | 1.27% | 2.20% | 1.24% | 2.58% | 1.45% |
| Raiffeisenbankengruppe OÖ Verbund eGen | 1.75% | 0.98% | 2.00% | 1.13% | 2.01% | 1.13% |
| RBC Investor Services Bank S.A. | 2.00% | 1.13% | 2.10% | 1.18% | 2.30% | 1.29% |
| RCI Banque SA | 2.00% | 1.13% | 2.01% | 1.13% | 2.01% | 1.13% |
| Sberbank Europe AG in Abwicklung5 | 3.25% | 1.83% | 3.25% | 1.83% | n.p. | n.p. |
| SFIL S.A. | 0.75% | 0.42% | 0.75% | 0.42% | 0.75% | 0.42% |
| Société Générale S.A. | 1.75% | 0.98% | 2.12% | 1.19% | 2.14% | 1.20% |
| State Street Europe Holdings Germany S.à.r.l. & Co. KG | 2.00% | 1.13% | 2.40% | 1.35% | 2.80% | 1.58% |
| Swedbank Baltics AS | n.p. | n.p. | n.p. | n.p. | 1.80% | 1.01% |
| The Bank of New York Mellon SA | 2.00% | 1.13% | 2.00% | 1.13% | 2.10% | 1.18% |
| UBS Europe SE | 2.50% | 1.41% | 2.25% | 1.27% | 2.00% | 1.13% |
| Ulster Bank Ireland Designated Activity Company* | 3.50% | 1.97% | 3.60% | 2.03% | 3.60% | 2.03% |
| Unicaja Banco, S.A. | 1.75% | 0.98% | n.p. | n.p. | 2.25% | 1.27% |
| UniCredit S.p.A. | 1.75% | 0.98% | 1.75% | 0.98% | 2.00% | 1.13% |
| Volksbank Wien AG | 2.50% | 1.41% | 2.50% | 1.41% | 2.50% | 1.41% |
| Volkswagen Bank GmbH | 2.00% | 1.13% | 2.25% | 1.27% | 2.25% | 1.27% |
- Iestāde vēl nav saņēmusi lēmumu par kapitālu.
- Šī iestāde ir filiāle un nesaņem lēmumu par kapitālu.
- Iestāde ar 2023. gada 1. februāri ir kļuvusi par HSBC Continental Europe meitasuzņēmumu.
- Saskaņā ar principiem, kas izklāstīti ECB norādījumos par uzraudzības pieeju konsolidācijai banku sektorā, HSBC Continental Europe netika iekļauta regulārajā 2022. gada SREP, jo tā bija uzsākusi konsolidācijas operāciju. Kad tiks pieņemts jauns lēmums par kapitālu attiecībā uz HSBC Continental Europe, tiks publicētas piemērojamās 2. pīlāra prasības. Līdz tam laikam uz HSBC Continental Europe joprojām attiecas pašu kapitāla prasības, kas noteiktas iepriekšējā SREP lēmumā.
- Konsolidētais prudenciālais perimetrs, attiecībā uz kuru pieņemts lēmums par 2. pīlāra prasībām, vairs nepastāv. Tādējādi uz iestādi neattiecas 2. pīlāra prasības.