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Rekwiżit tal-Pilastru 2 (P2R)

Ir-rekwiżit tal-Pilastru 2 huwa rekwiżit tal-kapital speċifiku għal bank li japplika flimkien mar-rekwiżit tal-kapital minimu (magħruf bħala l-Pilastru 1) fejn dan jissottovaluta jew ma jkoprix ċerti riskji. Ir-rekwiżit tal-Pilastru ta’ bank jiġi determinat bħala parti mill-Proċess Superviżorju ta’ Reviżjoni u Valutazzjoni (SREP). Ir-rekwiżit huwa legalment vinkolanti, u jekk il-banek jonqsu milli jikkonformaw miegħu jistgħu jkunu soġġetti għal miżuri superviżorji, inklużi sanzjonijiet. Ir-rekwiżit tal-Pilastru 2 ma jinkludix ir-riskju ta' ingranaġġ eċċessiv; dan huwa kopert mir-rekwiżit tal-proporzjon ta’ ingranaġġ tal-Pilastru 2.

Minbarra li jikkonformaw mar-rekwiżit tal-Pilastru 2, il-banek huma mistennija jsegwu l-gwida tal-Pilastru 2 maħruġa mill-BĊE. Dan jindika l-livell ta’ kapital li għandhom iżommu biex ikunu jistgħu jifilħu għal perjodi ta’ stress finanzjarju. B’differenza mir-rekwiżit tal-Pilastru 2, il-gwida tal-Pilastru 2 mhijiex vinkolanti legalment, billi tirrifletti biss aspettattivi superviżorji.

Skont l-Artikoli 431(1), 433a(1) u 438(b) tar-Regolament dwar ir-Rekwiżiti Kapitali (CRR) kif rivedut, l-istituzzjonijiet kbar (kif definiti fl-Artikolu 4(1)(146) tal-istess Regolament huma meħtieġa jiżvelaw ir-rekwiżiti tagħhom tal-Pilastru 2 fuq bażi annwali.

Biex issir taf aktar dwar kif is-superviżuri jistabbilixxu r-rekwiżit tal-Pilastru 2 għall-banek, iċċekkja l-paġna web iddedikata tagħna dwar il-metodoloġija li jużaw.

Il-BĊE qed ikompli wkoll bil-prattika reċenti tiegħu li jippubblika r-rekwiżiti tal-Pilastru 2 konsolidati tal-istituzzjonijiet sinifikanti kollha li jissorvelja wara li kiseb il-kunsens tagħhom għall-pubblikazzjoni. It-tabella ta’ hawn taħt turi l-istituzzjonijiet sinifikanti taħt is-superviżjoni diretta tal-BĊE fl-2020, fl-2021 u fl-2022 u r-rekwiżiti tagħhom tal-Pilastru 2 għal dawk is-snin. l-istituzzjonijiet sinifikanti kollha li rċevew deċiżjoni SREP fl-2022 intalbu jagħtu l-kunsens tagħhom għall-pubblikazzjoni tar-rekwiżiti tal-Pilastru 2 u tar-rekwiżiti tal-proporzjon tal-ingranaġġ tal-Pilastru 2 għaċ-ċikli futuri tal-iSREP ukoll. Il-banek jistgħu jirtiraw il-kunsens tagħhom fi kwalunkwe żmien.

Jekk bank ma kienx soġġett għal rekwiżit tal-Pilastru 2 fl-2022, ir-rekwiżit tal-Pilastru 2 applikabbli bħalissa ddeterminat f’deċiżjoni SREP preċedenti huwa inkluż. Dan huwa indikat fit-tabella b'asterisk (*).

Din it-tabella ġiet aġġornata l-aħħar fit-8 ta' Frar 2023.

Niżżel id-data

Rekwiżit tal-Pilastru 2 (P2R)

Isem tal-istituzzjoni2020 P2R
applikabbli fl-2021
2021 P2R
applikabbli fl-2022
P2R applikabbli fl-2023
Totalli minnu
minimu CET1
Totalli minnu
minimu CET1
Totalli minnu
minimu CET1
Aareal Bank AG2.25%1.27%2.75%1.55%3.00%1.69%
AB SEB bankas2.00%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 AGm. j.m. j.3.25%1.83%3.25%1.83%
Agri Europe Cyprus Limitedm. j.m. j.3.25%1.83%3.25%1.83%
AIB Group plc3.00%1.69%2.75%1.55%2.75%1.55%
Akcinė bendrovė Šiaulių bankas1.60%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”m. j.m. j.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 Group1m. j.m. j.m. j.m. j.m. j.m. j.
AS SEB Pank2.25%1.27%2.00%1.13%2.05%1.15%
Banca Mediolanum S.p.A. m. j.m. j.m. j.m. j.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 Sondrio3.00%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, SA2.25%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 COMPANY2.30%1.29%2.20%1.24%2.20%1.24%
Bank of Cyprus Holdings Public Limited Company3.00%1.69%3.26%1.83%3.08%1.73%
Bank of Ireland Group plc2.25%1.27%2.25%1.27%2.25%1.27%
Bank of Valletta plc3.25%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, Luxembourg1.00%0.56%1.28%0.72%1.50%0.84%
Banque Internationale á Luxembourg S.A.1.75%0.98%2.00%1.13%2.25%1.27%
Barclays Bank Ireland PLC3% + 0.3%/€100m (liema jkun l-ogħla)1.69%m. j.m. j.3.04%1.71%
BAWAG Group AG2.00%1.13%2.00%1.13%2.00%1.13%
Bayerische Landesbank2.00%1.13%2.00%1.13%2.00%1.13%
Belfius Banque SA2.00%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 SA1m. j.m. j.m. j.m. j.m. j.m. j.
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, SA2.25%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 Limited2.70%1.52%2.50%1.41%2.50%1.41%
Citigroup Global Markets Europe AG1m. j.m. j.m. j.m. j.m. j.m. j.
COMMERZBANK Aktiengesellschaft2.00%1.13%2.00%1.13%2.00%1.13%
Confédération Nationale du Crédit Mutuel1.75%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 NVm. j.m. j.m. j.m. j.3.16%1.78%
Danske BAnk A/S, Finland Branch2m. j.m. j.m. j.m. j.m. j.m. j.
de Volksbank N.V.2.50%1.41%3.00%1.69%3.00%1.69%
DekaBank Deutsche Girozentrale1.50%0.84%1.50%0.84%1.50%0.84%
Deutsche Apotheker- und Ärztebank eG1.25%0.70%2.50%1.41%2.50%1.41%
Deutsche Bank AG2.50%1.41%2.50%1.41%2.70%1.52%
Deutsche Pfandbriefbank AG2.50%1.41%2.50%1.41%2.50%1.41%
DSK Bank ADm. j.m. j.1.80%1.01%1.94%1.09%
DZ BANK AG Deutsche Zentral-Genossenschaftsbank1.75%0.98%1.70%0.96%1.82%1.02%
Erste Group Bank AG1.75%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.m. j.m. j.m. j.m. j.1.75%0.98%
Goldman Sachs Bank Europe SE3.00%1.69%3.00%1.69%3.00%1.69%
Hamburg Commercial Bank AG2.75%1.55%2.07%1.16%1.82%1.02%
HASPA Finanzholding1.00%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.32.25%1.27%2.25%1.27%2.25%1.27%
HSBC Group in Continental Europe43.00%1.69%3.24%1.82%3.40%1.91%
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 Cooperativo2.50%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 NV1.75%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 NV1.75%0.98%1.86%1.05%1.86%1.05%
Kuntarahoitus Oyj2.25%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 Postale2.00%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 Girozentrale1.75%0.98%1.75%0.98%2.00%1.13%
LP Group B.V.*m. j.m. j.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 AS2.00%1.13%2.20%1.24%2.20%1.24%
MDB Group Limited3.00%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 SE2.75%1.55%2.75%1.55%2.75%1.55%
Münchener Hypothekenbank eG1.50%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-Girozentrale2.50%1.41%2.50%1.41%2.50%1.41%
Nordea Bank Abp1.75%0.98%1.75%0.98%1.60%0.90%
Nova Ljubljanska banka d.d. Ljubljana2.75%1.55%2.60%1.46%2.40%1.35%
OP Osuuskunta2.25%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 AG2.25%1.27%2.20%1.24%2.58%1.45%
Raiffeisenbankengruppe OÖ Verbund eGen1.75%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 SA2.00%1.13%2.01%1.13%2.01%1.13%
Sberbank Europe AG in Abwicklung53.25%1.83%3.25%1.83%m. j.m. j.
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. KG2.00%1.13%2.40%1.35%2.80%1.58%
Swedbank Baltics ASm. j.m. j.m. j.m. j.1.80%1.01%
The Bank of New York Mellon SA2.00%1.13%2.00%1.13%2.10%1.18%
UBS Europe SE2.50%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%m. j.m. j.2.25%1.27%
UniCredit S.p.A.1.75%0.98%1.75%0.98%2.00%1.13%
Volksbank Wien AG2.50%1.41%2.50%1.41%2.50%1.41%
Volkswagen Bank GmbH2.00%1.13%2.25%1.27%2.25%1.27%
  1. L-istituzzjoni għadha ma rċevietx deċiżjoni kapitali.
  2. Din l-istituzzjoni hija fergħa u ma tirċievi l-ebda deċiżjoni kapitali.
  3. L-istituzzjoni ilha sussidjarja ta’ HSBC Continental Europe mill-1 ta’ Frar 2023.
  4. F’konformità mal-prinċipji tal-Gwida tal-BĊE dwar l-approċċ superviżorju għall-konsolidazzjoni fis-settur bankarju, HSBC Continental Europe ma kinitx soġġetta għall-iskeda ta’ żmien regolari tal-eżerċizzju SREP tal-2022 peress li kienet bdiet operazzjoni ta’ konsolidazzjoni. Ladarba tiġi adottata deċiżjoni ġdida dwar il-kapital fir-rigward ta’ HSBC Continental Europe, ir-rekwiżit applikabbli tal-Pilastru 2 se jiġi ppubblikat. Sa dak iż-żmien, HSBC Continental Europe tibqa’ soġġetta għar-rekwiżiti ta’ fondi proprji stabbiliti fid-deċiżjoni SREP preċedenti.
  5. Il-perimetru prudenzjali konsolidat li kien soġġett għar-rekwiżit tal-Pilastru 2 ma baqax jeżisti. B’riżultat ta’ dan, l-istituzzjoni mhijiex soġġetta għal rekwiżit tal-Pilastru 2. 
Il-Whistleblowing (l-iżvelar ta’ informazzjoni protetta)