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Rekwiżit Pilastru 2 (P2R)

Ir-rekwiżit Pilastru 2 (P2R) hu rekwiżit tal-kapital speċifiku għall-banek, li japplika flimkien ma’, u jkopri r-riskji li jkunu sottovalutati jew li ma jkunux koperti mir-rekwiżit minimu tal-kapital (magħruf bħala Pilastru 1). Il-P2R ta’ bank jiġi determinat fuq il-bażi tal-Proċess Superviżorju ta’ Reviżjoni u Valutazzjoni (SREP). Dak ir-rekwiżit huwa legalment vinkolanti, u jekk l-istituzzjonijiet jonqsu milli jikkonformaw miegħu jistgħu jkunu soġġetti għal miżuri superviżorji (inklużi sanzjonijiet).

Minbarra li jikkonformaw mal-P2R, l-istituzzjonijiet huma mistennija wkoll isegwu l-gwida tal-Pilastru 2 (P2G) maħruġa mill-BĊE. Il-P2G ta’ bank jindika l-livell ta’ kapital li għandu jżomm sabiex ikun jista’ jiflaħ stress finanzjarju. B’differenza mill-P2R, il-P2G mhuwiex legalment vinkolanti, billi jirrifletti biss aspetattivi superviżorji.

Skont l-Artikoli 431(1), 433a(1) u 438(b) tar-Regolament dwar ir-Rekwiżiti Kapitali (CRR), istituzzjonijiet kbar (kif definiti fl-Artikolu 4(1)(146) tas-CRR) huma meħtieġa jiżvelaw il-P2R tagħhom fuq bażi annwali.

Fl-2019, il-BĊE rrakkomanda li banek sinifikanti jikkunsidraw li jippubblikaw id-daqs u l-kompożizzjoni tal-P2Rs tagħhom bħala parti mill-prattiki ta’ żvelar tagħhom. Il-BĊE kkomunika wkoll l-intenzjoni tiegħu li jippubblika l-P2R konsolidat ta’ kull bank jew grupp bankarju li ssorvelja, u stieden lill-banek li ma żvelawx diġà l-P2Rs tagħhom biex japprovaw il-pubblikazzjoni tagħhom mill-BĊE.

Bi tweġiba għall-pandemija tal-koronavirus, il-BĊE ħabbar fit-12 ta’ Marzu 2020 li l-banek se jitħallew – minbarra l-kapital ta’ Grad 1 ta’ Ekwità Komuni (CET1) – li jużaw ukoll strumenti ta’ Grad 1 u Grad 2 Addizzjonali biex jikkonformaw mal-P2Rs tagħhom, f’konformità mal-P2R, tagħhom skont l-arranġamenti għall-Pilastru 1. Għalhekk, strumenti tal-Grad 1 u tal-Grad 2 Addizzjonali jistgħu jintużaw mill-istituzzjonijiet biex jilħqu l-P2Rs tagħhom, sakemm tal-inqas 56.25% tal-kapital tal-P2R kien f’CET1 u tal-inqas 75% kien fil-Grad 1. Dawk ir-regoli dwar il-kompożizzjoni tal-kapital P2R diġà kellhom jidħlu fis-seħħ f'Jannar 2021 meta daħlet fis-seħħ id-Direttiva V (UE) 2019/878 dwar ir-Rekwiżiti Kapitali, iżda effettivament tressqu b'dik id-deċiżjoni.

It-tabella hawn taħt turi, għall-2019, l-2020 u l-2021, l-istituzzjonijiet sinifikanti li kienu taħt superviżjoni mill-BĊE u l-P2Rs tagħhom. Għal dan iċ-ċiklu SREP, inkiseb il-kunsens biex tiġi ppubblikata din l-informazzjoni mill-banek kollha li rċevew deċiżjoni SREP 2021.

Din it-tabella ġiet aġġornata l-aħħar fil-5 ta' Awwissu 2022

Niżżel id-data

Rekwiżit Pilastru 2
Isem tal-istituzzjoni 2019 P2R
applikabbli fl-2020
2020 P2R
applikabbli fl-2021
2021 P2R
applikabbli fl-2022
Total li minnu
minimu CET1
(mit-12.3.2020)
Total li minnu
minimu CET1
Total li minnu
minimu CET1
Aareal Bank AG 2.25% 1.27% 2.25% 1.27% 2.75% 1.55%
AB SEB bankas 2.00% 1.13% 2.00% 1.13% 2.00% 1.13%
ABANCA Corporación Bancaria S.A. 1.75% 0.98% 1.75% 0.98% 2.00% 1.13%
ABN AMRO Bank N.V. 2.00% 1.13% 2.00% 1.13% 2.00% 1.13%
Addiko Bank AG m. j. m. j. m. j. m. j. 3.25% 1.83%
Agri Europe Cyprus Limited m. j. m. j. m. j. m. j. 3.25% 1.83%
AIB Group plc 3.00% 1.69% 3.00% 1.69% 2.75% 1.55%
Akcinė bendrovė Šiaulių bankas m. j. m. j. 1.60% 0.90% 1.60% 0.90%
ALPHA SERVICES AND HOLDINGS S.A. 3.00% 1.69% 3.00% 1.69% 3.00% 1.69%
AS “Citadele banka” m. j. m. j. m. j. m. j. 2.50% 1.41%
AS "SEB banka" 2.25% 1.27% 2.25% 1.27% 2.00% 1.13%
AS SEB Pank 2.25% 1.27% 2.25% 1.27% 2.00% 1.13%
AXA Bank Belgium SA 2.75% 1.55% 2.75% 1.55% 2.25% 1.27%
Banca Carige S.P.A. – Cassa di Risparmio di Genova e Imperia 2.75% 1.55% 2.75% 1.55% 3.25% 1.83%
BANCA MONTE DEI PASCHI DI SIENA S.p.A. 3.00% 1.69% 2.75% 1.55% 2.75% 1.55%
Banca Popolare di Sondrio, Societá Cooperativa per Azioni 3.00% 1.69% 3.00% 1.69% 2.77% 1.56%
Banco Bilbao Vizcaya Argentaria, S.A. 1.50% 0.84% 1.50% 0.84% 1.50% 0.84%
Banco BPM S.p.A. 2.25% 1.27% 2.25% 1.27% 2.25% 1.27%
Banco Comercial Português, SA 2.25% 1.27% 2.25% 1.27% 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% 2.25% 1.27% 2.15% 1.21%
Banco Santander, S.A. 1.50% 0.84% 1.50% 0.84% 1.50% 0.84%
BANK OF AMERICA EUROPE DESIGNATED ACTIVITY COMPANY 2.30% 1.29% 2.30% 1.29% 2.20% 1.24%
Bank of Cyprus Holdings Public Limited Company 3.00% 1.69% 3.00% 1.69% 3.26% 1.83%
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% 3.25% 1.83% 3.00% 1.69%
Bankinter, S.A. 1.20% 0.68% 1.20% 0.68% 1.29% 0.73%
Banque Degroof Petercam SA 3.00% 1.69% 3.00% 1.69% 2.50% 1.41%
Banque et Caisse d’Epargne de l’Etat, Luxembourg 1.00% 0.56% 1.00% 0.56% 1.28% 0.72%
Banque Internationale á Luxembourg S.A. 1.75% 0.98% 1.75% 0.98% 2.00% 1.13%
Barclays Bank Ireland PLC1 3% + 0.3%/€100m (liema jkun l-ogħla) 1.69% 3% + 0.3%/€100m (liema jkun l-ogħla) 1.69% m. j. m. j.
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% 2.00% 1.13% 2.13% 1.20%
BFA Tenedora de Acciones S.A.U.2 2.00% 1.13% 2.00% 1.13% m. j. m. j.
Biser Topco S.à.r.l. (Nova Kreditna Banka Maribor d.d.) 3.00% 1.69% 3.00% 1.69% 2.30% 1.29%
BNG Bank N.V. 2.25% 1.27% 2.25% 1.27% 2.00% 1.13%
BNP Paribas S.A. 1.25% 0.70% 1.25% 0.70% 1.32% 0.74%
BPCE S.A. 1.75% 0.98% 1.75% 0.98% 2.00% 1.13%
BPER Banca S.p.A. 2.00% 1.13% 2.00% 1.13% 2.30% 1.29%
Bpifrance S.A. (Banque Publique d’Investissement) 1.50% 0.84% 1.50% 0.84% 1.88% 1.06%
C.R.H. - Caisse de Refinancement de l’Habitat 0.75% 0.42% 0.75% 0.42% 0.75% 0.42%
CaixaBank, S.A.3 1.50% 0.84% 1.50% 0.84% 1.65% 0.93%
Caixa Geral de Depósitos, SA 2.25% 1.27% 2.25% 1.27% 2.00% 1.13%
Cassa Centrale Banca – Credito Cooperativo Italiano S.p.A. 2.25% 1.27% 2.25% 1.27% 2.50% 1.41%
Citibank Holdings Ireland Limited 2.70% 1.52% 2.70% 1.52% 2.50% 1.41%
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% 1.75% 0.98% 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%
de Volksbank N.V. 2.50% 1.41% 2.50% 1.41% 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% 1.25% 0.70% 2.50% 1.41%
Deutsche Bank AG 2.50% 1.41% 2.50% 1.41% 2.50% 1.41%
Deutsche Pfandbriefbank AG 2.50% 1.41% 2.50% 1.41% 2.50% 1.41%
DSK Bank AD4 m. j. m. j. m. j. m. j. 1,80% 1,01%
DZ BANK AG Deutsche Zentral-Genossenschaftsbank 1.75% 0.98% 1.75% 0.98% 1.70% 0.96%
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% 1.50% 0.84% 1.75% 0.98%
Eurobank Ergasias Services and Holdings S.A. 3.00% 1.69% 3.00% 1.69% 3.00% 1.69%
Goldman Sachs Bank Europe SE m. j. m. j. 3.00% 1.69% 3.00% 1.69%
Hamburg Commercial Bank AG 2.75% 1.55% 2.75% 1.55% 2.07% 1.16%
HASPA Finanzholding 1.00% 0.56% 1.00% 0.56% 1.25% 0.70%
Hellenic Bank Public Company Limited 3.20% 1.80% 3.20% 1.80% 3.45% 1.94%
HSBC Bank Malta p.l.c. 2.25% 1.27% 2.25% 1.27% 2.25% 1.27%
HSBC Group in Continental Europe 3.00% 1.69% 3.00% 1.69% 3.24% 1.82%
Ibercaja Banco, S.A. 2.00% 1.13% 2.00% 1.13% 2.15% 1.21%
Iccrea Banca S.p.A. - Istituto Centrale del Credito Cooperativo 2.50% 1.41% 2.50% 1.41% 2.83% 1.59%
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% 1.50% 0.84% 1.79% 1.01%
Investeringsmaatschappij Argenta NV 1.75% 0.98% 1.75% 0.98% 1.50% 0.84%
J.P. Morgan SE5 m. j. m. j. 3.25% 1.83% 2.75% 1.55%
J.P. Morgan Bank Luxembourg S.A.5 2.25% 1.27% 2.25% 1.27% 2.25% 1.27%
KBC Group NV 1.75% 0.98% 1.75% 0.98% 1.86% 1.05%
Kuntarahoitus Oyj 2.25% 1.27% 2.25% 1.27% 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% 1.75% 0.98% 1.88% 1.06%
Landesbank Hessen-Thüringen Girozentrale 1.75% 0.98% 1.75% 0.98% 1.75% 0.98%
Liberbank, S.A.6 2.50% 1.41% 2.50% 1.41% m. j. m. j.
LP Group B.V. m. j. m. j. m. j. m. j. 3.90% 2.19%
LSF Nani Investments S.à.r.l. (Novo Banco, S.A.)7 3.00% 1.69% 3.00% 1.69% 3.00% 1.69%
Luminor Holding AS 2.00% 1.13% 2.00% 1.13% 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% 1.25% 0.70% 1.58% 0.89%
Morgan Stanley Europe Holding SE m. j. m. j. 2.75% 1.55% 2.75% 1.55%
Münchener Hypothekenbank eG 1.50% 0.84% 1.50% 0.84% 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% 2.25% 1.27% 2.00% 1.13%
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% 1.75% 0.98%
Nova Ljubljanska banka d.d. Ljubljana 2.75% 1.55% 2.75% 1.55% 2.60% 1.46%
OP Osuuskunta 2.25% 1.27% 2.25% 1.27% 2.25% 1.27%
Piraeus Financial Holdings S.A. 3.25% 1.83% 3.25% 1.83% 3.00% 1.69%
Quintet Private Bank (Europe) S.A.8 2.00% 1.13% 2.00% 1.13% 2,84% 1,60%
Raiffeisen Bank International AG 2.25% 1.27% 2.25% 1.27% 2.20% 1.24%
Raiffeisenbankengruppe OÖ Verbund eGen 1.75% 0.98% 1.75% 0.98% 2.00% 1.13%
RBC Investor Services Bank S.A. 2.00% 1.13% 2.00% 1.13% 2.10% 1.18%
RCB Bank LTD 3.50% 1.97% 3.50% 1.97% 3.50% 1.97%
8 2.00% 1.13% 2.00% 1.13% 2.05% 1.15%
Sberbank Europe AG 3.25% 1.83% 3.25% 1.83% 3.25% 1.83%
SFIL S.A. 0.75% 0.42% 0.75% 0.42% 0.75% 0.42%
Société Générale S.A. 1.75% 0.98% 1.75% 0.98% 2.12% 1.19%
State Street Europe Holdings Germany S.a.r.l. & Co. KG 2.00% 1.13% 2.00% 1.13% 2.40% 1.35%
Swedbank AS 2.00% 1.13% 2.00% 1.13% 1.80% 1.01%
“Swedbank” AS 1.70% 0.96% 1.70% 0.96% 1.80% 1.01%
“Swedbank”, AB 1.80% 1.01% 1.80% 1.01% 1.80% 1.01%
The Bank of New York Mellon SA 2.00% 1.13% 2.00% 1.13% 2.00% 1.13%
UBS Europe SE m. j. m. j. 2.50% 1.41% 2.25% 1.27%
Ulster Bank Ireland Designated Activity Company 3.50% 1.97% 3.50% 1.97% 3.60% 2.03%
Unicaja Banco, S.A.9 1.75% 0.98% 1.75% 0.98% m. j. m. j.
UniCredit S.p.A. 1.75% 0.98% 1.75% 0.98% 1.75% 0.98%
Volksbank Wien AG 2.50% 1.41% 2.50% 1.41% 2.50% 1.41%
Volkswagen Bank GmbH 2.00% 1.13% 2.00% 1.13% 2.25% 1.27%
  1. Minħabba n-natura komprensiva tal-eżerċizzju ta' valutazzjoni tiegħu, id-deċiżjoni SREP 2021 għal Barclays Bank Ireland PLC ġiet posposta.
  2. BFA Tenedora de Acciones S.A.U. waqfet milli tkun entità taħt superviżjoni fl-2021.
  3. Minħabba li BFA Tenedora de Acciones S.A.U. ingħaqdet ma' CaixaBank, S.A. f'Marzu 2021, ma sar l-ebda SREP għal CaixaBank, S.A. fl-2021. Deċiżjoni li temenda l-P2R fid-deċiżjoni applikabbli bħalissa li tistabbilixxi rekwiżiti prudenzjali nħarġet lil CaixaBank, S.A. f’Ġunju 2021.
  4. DSK Bank AD SREP P2R ġie ppubblikat fil-5 ta’ Mejju 2022.
  5. Mill-24 ta’ Jannar 2022, J.P. Morgan Bank Luxembourg S.A. ingħaqad ma’ J.P. Morgan SE.
  6. Liberbank, S.A. waqfet milli tkun entità taħt superviżjoni fl-2021.
  7. LSF Nani Investments S.à.r.l. hija kumpanija omm holding finanzjarja tal-UE li għandha lil Novo Banco, S.A. bħala s-sussidjarja indiretta tagħha. Il-P2R huwa applikabbli biss fil-livell tas-sottogrupp li tiegħu Novo Banco, S.A. hija l-impriża prinċipali.
  8. Quintet Private Bank (Europe) S.A.u RCI Banque SA P2R ġew aġġornati fil-xx ta’ Awwissu 2022, wara l-eżerċizzju tal-klawżola ta’ approċċ dinamiku inkluża fid-deċiżjonijiet SREP tal-2021.
  9. Bħala riżultat tal-għaqda ta' Liberbank, S.A u Unicaja Banco, S.A., id-deċiżjoni SREP 2021 għal Unicaja Banco, S.A. se tinħareġ f'data aktar tard.
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