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Rekwiżit Pilastru 2 (P2R)

Ir-rekwiżit tal-Pilastru 2 (P2R) huwa rekwiżit tal-kapital speċifiku għall-bank li japplika flimkien mar-rekwiżit tal-kapital minimu (magħruf bħala l-Pilastru 1) fejn dan jissottovaluta jew ma jkoprix ċerti riskji. Il-P2R ta’ bank jiġi determinat bħala parti mill-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). Il-P2R ma jinkludix ir-riskju ta' ingranaġġ eċċessiv; dan huwa kopert mir-rekwiżit tal-Pilastru 2 tal-proporzjon tal-ingranaġġ (P2R-LR).

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 biex 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.

Barra minn hekk, il-BĊE qed ikompli bil-prattika reċenti tiegħu li jippubblika l-P2Rs konsolidati tal-istituzzjonijiet sinifikanti kollha li jissorvelja wara li kiseb il-kunsens tagħhom għall-pubblikazzjoni. It-tabella hawn taħt turi l-istituzzjonijiet sinifikanti li kienu ssorveljati mill-BĊE u l-P2Rs tagħhom għall-2020, l-2021 u l-2022. L-istituzzjonijiet sinifikanti kollha li rċevew deċiżjoni SREP fl-2022 intalbu jagħtu l-kunsens għall-pubblikazzjoni tal-P2Rs u l-P2R-LRs tagħhom għal ċikli futuri wkoll. Il- banek jistgħu jirtiraw il-kunsens tagħhom fi kwalunkwe żmien.

F'każijiet fejn bank ma rċeviex deċiżjoni P2R fl-2022, il-P2R applikabbli bħalissa ddeterminat f'deċiżjoni preċedenti hija inkluża. Dan huwa indikat fit-tabella b'asterisk (*).

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

Niżżel id-data

Rekwiżit Pilastru 2
Isem tal-istituzzjoni 2020 P2R
applikabbli fl-2021
2021 P2R
applikabbli fl-2022
P2R applikabbli fl-2023
Total li minnu
minimu CET1
Total li minnu
minimu CET1
Totalli minnu
minimu 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 m. j. m. j. 3.25% 1.83% 3.25% 1.83%
Agri Europe Cyprus Limited m. j. m. j. 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” 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 Group1 m. j. m. j. m. j. m. j. m. j. m. j.
AS SEB Pank 2.25% 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 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 á Luxembourg S.A. 1.75% 0.98% 2.00% 1.13% 2.25% 1.27%
Barclays Bank Ireland PLC 3% + 0.3%/€100m (liema jkun l-ogħla) 1.69% m. j. m. j. 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 m. 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, 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 m. j. m. j. m. j. m. j. m. j. m. j.
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 m. j. m. j. m. j. m. j. 3.16% 1.78%
Danske BAnk A/S, Finland Branch2 m. 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 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 m. j. m. j. 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. m. j. m. j. m. j. m. j. 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% 2.25% 1.27%
HSBC Group in Continental Europe4 3.00% 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 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.* 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 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% 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. KG 2.00% 1.13% 2.40% 1.35% 2.80% 1.58%
Swedbank Baltics AS m. j. m. j. m. j. m. j. 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% 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 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%
  1. L-istituzzjoni għadha ma rċevietx deċiżjoni kapitali.
  2. Din l-istituzzjoni hija fergħa u ma tirċievi l-ebda deċiżjoni kapitali.
  3. L-istituzzjoni saret sussisdjarja 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 ġie eskluż mill-iskeda ta' żmien regolari tal-Eżerċizzju SREP tal-2022 peress li kien impenjat f'operazzjoni ta' konsolidazzjoni. Ladarba tiġi adottata deċiżjoni kapitali ġdida fir-rigward tal-HSBC Continental Europe, il-P2R applikabbli jiġi ppubblikat. Sa dak iż-żmien, l-HSBC Continental Europe jibqa' soġġett għar-rekwiżiti ta' fondi proprji stabbiliti fid-deċiżjoni preċedenti tas-SREP.
  5. Il-perimetru prudenzjali kkonsolidat, soġġett għad-deċiżjoni P2R imposta, ma baqax jeżisti. Bħala riżultat, l-ebda P2R ma huwa applikabbli għall-istituzzjoni.
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