Investor Presentaiton
Wholesale funding and capital: capital & RWA -
-
Risk-weighted assets grow by 7.9% in 2021, in line with loan growth
Basel 3 capital
in EUR bn
Risk-weighted assets
Basel 3 capital ratios
in EUR bn
24.8
23.6
23.4
23.8
23.9
127.1
128.5
129.6
120.2
121.0
4.4
4.1
3.7
3.8
3.7
3.6
3.4
3.7
3.6
3.8
14.2
14.2
14.8
14.8
14.2
2.2
2.2
2.2
2.7
2.7
17.1
17.0
18.0
18.3
18.8
101.7
103.0
108.4
110.2
111.2
31/12/20 31/03/21 30/06/21 30/09/21 31/12/21
Tier 2
AT1
CET1
•
CET1 capital up 10.2% in 2021
.
•
.
Retained earnings: + EUR 1.2bn
Minority interest: + EUR 0.3bn
Other intangible assets: - EUR 0.3bn
AT1 declines by EUR 500m on calling
XS1425367494 AT1 instrument
ERSTEŚ
Group
31/12/20 31/03/21 30/06/21 30/09/21 31/12/21
14.2%
16.5%
19.7%
14.0%
16.3%
19.4%
14.2%
18.7%
15.9%
14.2%
18.6%
16.0%
14.5%
31/12/20 31/03/21 30/06/21 30/09/21 31/12/21
Market risk Op risk
RWAs up by 7.9% in 2021
.
•
Credit RWA
Credit RWA: +9.3% in 2021, mainly on
business growth (+ EUR 9.9bn), method
and regulatory effects (+ EUR 3.8bn for
new LGD model, CRR2 implementation),
while portfolio effects (- EUR 4.1bn)
contributed positively
Market and op risk RWA stable in 2021
•
•
CET1
Tier 1
Total capital
CET1 ratio (final) at solid 14.5%, ahead
of 13.5% target
Management to propose EUR 1.6
dividend per share for FY2021 to 2022
AGM (FY2020: EUR 1.5 per share)
Page 33
16.2%
19.1%View entire presentation