EBA report on risks and vulnerabilities in the EU banking sector
Autor: Bancherul.ro
2017-11-24 17:57
EBA sees a more resilient EU banking sector but challenges in NPLs, IT security and long-term profitability remain (EBA press release)
The European Banking Authority (EBA) published today its tenth report on risks and vulnerabilities in the EU banking sector.
The report is accompanied by the 2017 EU-wide transparency exercise, which provides key data in a comparable and accessible format for 132 banks across the EU. The data shows further resilience in the EU banking sector amid a benign macroeconomic and financial environment, with an additional strengthening of the capital position, an improvement of asset quality and a slight increase of profitability. However, further progress on NPLs is needed whilst the long-term sustainability of prevailing business models remains a challenge. The importance of robust data management and IT and operational resilience is also a priority.
EU banking sector solvency has continued to strengthen, albeit at a slower pace. The CET1 ratio1 stood at 14.3% as of June 2017, up by 70 bps with respect to June 2016 level. The trend is similar for the fully-loaded CET1 ratio, which reached 14%. The slight increase of capital ratios has been mainly driven by a reduction of the denominator, with banks decreasing their risk exposure amount, markedly for credit risk.
The NPL ratio of EU banks has decreased from 5.4% (as of June 2016) to 4.5%, due to the decline of NPLs, reflecting progress made by EU banks to clean-up their balance sheet. However, around one-third of EU jurisdictions have NPL ratios above 10% and the level of NPLs still remains at a very high historical level (EUR 893Bn). EU area coverage ratio increased to 45% with a high dispersion among countries. EU banks total assets decreased by 6.3% between June 2016 and June 2017. The decline has been driven by the reduction of derivatives exposures and debt securities, while banks have continued to increase loans volume.
Profitability has cautiously improved supported by the benign environment but still remains a key challenge for the EU banking sector. As of June 2017, the average return on equity (RoE) stood at 7.0%, up by 130 bps year on year, its highest level since 2014. This upward trend is mainly explained by a decrease in impairments, an increase of fees and commissions and an increase of trading profits. However, dispersion across countries is still high. The average RoE has remained below the cost of equity and many banks are still struggling to generate sufficient margins through their traditional lending activity in a context of low rate environment and flat yield curves.
Bank funding markets have been characterised by stable conditions in the first three quarters of 2017 amid low volatility. While accommodative monetary policy stances and central banks´ asset purchase programmes have supported low funding costs, overall issuance volumes of unsecured and secured debt decreased in the first three quarters of 2017 compared to 2016.
In the fast-changing environment, new and high risks have emerged, which cyber and data security among the most challenging ones for the EU banking sector. In addition, risks posed by cyberattacks, their volume and sophistication are unabatedly high. While banking operations have become increasingly dependent on IT platforms, cost pressures and operational challenges have contributed to an increasing reliance on third party service providers that a range of IT services and data are outsourced to.
The EBA has been conducting transparency exercises at EU-wide level on an annual basis since 2011. The transparency exercise is part of the EBA´s ongoing efforts to foster transparency and market discipline in the EU financial market, and complements banks´ own Pillar 3 disclosures, as laid down in the EU´s capital requirements directive (CRD). Unlike stress tests, transparency exercises are purely disclosure exercises where only bank-by-bank data are published and no shocks are applied to the actual data.
The 2017 transparency exercise covers 132 banks from 25 EEA countries, and data is disclosed at the highest level of consolidation as of December 2016 and June 2017. Similar to the Risk Assessment Report, the transparency exercise fully relies on supervisory reporting data.
Along with the dataset, the EBA also provides a wide range of interactive tools that allow users to compare and visualise data by using maps and excel spreadsheets at a country and a bank-by-bank level.
1 CET1 calculated taking in account the phasing in of CRR/CRD IV provisions during the transitional period
Source: EBA statement
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Alte stiri din categoria: Noutati EBA
Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis
Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis – Consolidated version updated on 2 December 2020 1. Executive summary The outbreak of the COVID-19 pandemic and the response detalii
The EBA reactivates its Guidelines on legislative and non-legislative moratoria
After closely monitoring the developments of the COVID-19 pandemic and, in particular, the impact of the second COVID-19 wave and the related government restrictions taken in many EU countries, the European Banking Authority (EBA) has decided to reactivate its Guidelines on legislative and non-legislative moratoria. This reactivation will ensure that loans, which had previously not benefitted from payment moratoria, can now also benefit from them. The role of banks to ensure the continued flow of lending to clients remains of utmost importance and with the reactivation of these Guidelines, the EBA recognises the exceptional circumstances of the second COVID-19 wave. The EBA revised Guidelines, which will apply until 31 March 2021, include additional safeguards detalii
EBA publishes 2018 EU-wide stress test results
The European Banking Authority (EBA) published today the results of the 2018 EU-wide stress test, which involved 48 banks from 15 EU and EEA countries, covering broadly 70% of total EU banking sector assets. The adverse scenario has an impact of -395 bps on banks´ CET1 fully loaded detalii
EBA launches 2018 EU-wide transparency exercise
The European Banking Authority (EBA) launched today its fifth annual EU-wide transparency exercise. In December 2018, together with the Risk Assessment Report (RAR), the EBA will release over 900000 data points on about 130 EU banks. The data will cover capital positions, risk exposure amounts, detalii
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Profil de Bancher
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Elke MEIER, Vicepreședinte Executiv Financiar, Membru al Comitetului Executiv
BCR
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Topuri Banci
- Topul bancilor cu cele mai mici dobanzi la creditele de nevoi personale
- Topul bancilor la active in 2019
- Topul celor mai mari banci din Romania dupa valoarea activelor in 2018
- Topul bancilor dupa active in 2017
- Topul bancilor cu cele mai mici comisioane la contul curent cu card si online banking
Criza COVID-19
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- Club online de educatie financiara pentru liceeni
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- IRCC, indicele de dobanda pentru creditele in lei ale persoanelor fizice, a scazut la 1,75%, dar nu va avea efecte imediate pe piata creditarii
- Istoricul ROBOR la 3 luni, in perioada 01.08.1995 - 31.12.2019
- ROBOR 3 luni (date statistice pe perioada 1995-2019, conform BNR)
Taxa bancara
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- Taxa bancara ar putea fi redusa de la 1,2% la 0,4% la bancile mari si 0,2% la cele mici, insa bancherii avertizeaza ca indiferent de nivelul acesteia, intermedierea financiara va scadea iar dobanzile vor creste
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Statistici BNR
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- Deficitul contului curent - 815 milioane euro, dupa prima luna a anului
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Legislatie
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- OUG 50/2010 actualizata privind contractele de credit pentru consumatori
- OUG 52 din 2016 actualizata privind contractele de credit imobiliare si modificarea OUG 50/2010
- Regulament nr. 2 din 2012 privind organizarea si functionarea la Banca Nationala a Romaniei a Centralei Riscului de Credit
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Lege plafonare dobanzi credite
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Procese
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- Firmele pot obtine credite bancare garantate si subventionate de stat, pe baza facturilor (factoring), prin programul IMM Factor
- Programul IMM Leasing va fi operational in perioada urmatoare, anunta FNGCIMM
Statistici
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- Datoria publica, majorata la 48,9% din PIB in 2021
- Dobanda pe termen lung a obligatiunilor romanesti a crescut la 5,60% in februarie 2022
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Noutati BCE
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- Modul de functionare a relaxarii cantitative (quantitative easing – QE)
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Noutati EBA
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Noutati FGDB
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- Depozitele bancare garantate de FGDB reprezinta doua treimi din totalul depozitelor din bancile romanesti
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CSALB
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- CSALB recomanda bancilor sa nu mai claseze cererile incomplet documentate pentru solutionarea amiabila a litigiilor
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Noutati FMI
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First Bank
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- First Bank are o noua aplicatie de mobile banking
- Cetatenii americani din Romania pot incasa cecurile de asistenta financiara pentru COVID-19 doar la First Bank
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Noutati BERD
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Noutati Federal Reserve
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- Federal Reserve majoreaza dobanda de referinta pentru dolar la 1,5% - 1,75%
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Noutati BEI
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Mobile banking
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Noutati BVB
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- Laptaria cu Caimac s-a listat pe piata AeRO a BVB
- Banca Transilvania plateste un dividend brut pe actiune de 0,17 lei din profitul pe 2018
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Noutati Comisia Europeana
- Cele mai mici preturi din Europa sunt in Romania
- State aid: Commission refers Romania to Court for failure to recover illegal aid worth up to €92 million
- Comisia Europeana publica raportul privind progresele inregistrate de Romania in cadrul mecanismului de cooperare si de verificare (MCV)
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Institutul National de Statistica
- Deficitul comercial, majorat cu 34% in T1 2022, dupa ce importurile lunare au trecut pragul de 10 miliarde euro
- ”Inflatia industriala”, majorata la peste 51%, dupa un avans de sapte procente in martie 2022
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- Vanzarile cu amanuntul - crestere marginala, cu produsele alimentare in scadere
Informatii utile asigurari
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