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.
Rekwiżit tal-Pilastru 2 (P2R)
| 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 | Total | li 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 | 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% |
- L-istituzzjoni għadha ma rċevietx deċiżjoni kapitali.
- Din l-istituzzjoni hija fergħa u ma tirċievi l-ebda deċiżjoni kapitali.
- L-istituzzjoni ilha sussidjarja ta’ HSBC Continental Europe mill-1 ta’ Frar 2023.
- 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.
- 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.