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19.12.2024 08:00:34
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Euroopa Keskpanga järelevalveline hinnang kapitalile ja LHV Groupi sisemised kapitalieesmärgid
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Detsembris esitas Euroopa Keskpank (ECB) AS-ile LHV Group järelevalvelise hinnangu ja täiendava omavahendite nõude (SREP) kapitali adekvaatsuse arvutuses. Vastavalt ECB otsusele langesid LHV Groupile kehtivad Pillar 2 kapitalinõuded. LHV Groupile rakendub konsolideeritud tasemel täiendav omavahendite nõue summas 3,00%, millest vähemalt 1,69% peab olema kaetud esmase taseme põhiomavahenditega ja vähemalt 2,25% kaetud esmase taseme omavahenditega. Kehtima jääb Eesti Panga poolt määratav vastutsüklilisuse puhver summas 1,50 protsendipunkti. Vastutsükliline puhver on üks neljast regionaalsest puhvrist, mis kehtestatakse makrofinantsjärelvalve eesmärkide täitmiseks ning mille kehtestamise paindlikkus on jäetud igale liikmesriigile. Tulenevalt ECB Pillar 2 kapitalinõuete hinnangust otsustas LHV Groupi nõukogu tõsta vastavas mahus sisemisi puhvreid ja jätta kehtima minimaalseks koguomavahendite suhtarvuks 19,70%, minimaalseks esmase taseme omavahendite suhtarvuks 16,85% ning minimaalseks esimese taseme põhiomavahendite suhtarvuks 14,70%. Antud suhtarvude komponentide jaotus on järgmine: +---------------------------------------+------+------+------------------------+ |Mõõdik |CET 1 |Tier 1|Koguomavahendite suhtarv| +---------------------------------------+------+------+------------------------+ |Baasnõue |4,50% |6,00% | 8,00% | +---------------------------------------+------+------+------------------------+ |Pillar 2 kapitalinõue (P2R) |1,69% |2,25% | 3,00% | +---------------------------------------+------+------+------------------------+ |Kokku SREP kapitalinõue (TSCR) |6,19% |8,25% | 11,00% | +---------------------------------------+------+------+------------------------+ |Kapitali säilitamise puhver |2,50% |2,50% | 2,50% | +---------------------------------------+------+------+------------------------+ |Süsteemse riski puhver |0,00% |0,00% | 0,00% | +---------------------------------------+------+------+------------------------+ |Vastutsüklilisuse puhver |1,50% |1,50% | 1,50% | +---------------------------------------+------+------+------------------------+ |O-SII puhver |2,00% |2,00% | 2,00% | +---------------------------------------+------+------+------------------------+ |Kombineeritud puhver kokku |6,00% |6,00% | 6,00% | +---------------------------------------+------+------+------------------------+ |Kokku üldine kapitalinõue |12,19%|14,25%| 17,00% | +---------------------------------------+------+------+------------------------+ |Omavahendite suunis |2,00% |2,00% | 2,00% | +---------------------------------------+------+------+------------------------+ |Sisemised puhvrid |0,51% |0,60% | 0,70% | +---------------------------------------+------+------+------------------------+ |Kokku sisemine kapitalinõude riskiisu | | | | |piir |14,70%|16,85%| 19,70% | +---------------------------------------+------+------+------------------------+ LHV Group on suurim kodumaine finantskontsern ja kapitali pakkuja Eestis. LHV Groupi peamised tütarettevõtted on LHV Pank, LHV Varahaldus, LHV Kindlustus ja LHV Bank Limited. Grupi ettevõtetes töötab üle 1200 inimese. LHV pangateenuseid kasutab novembri lõpu seisuga 452 000 klienti, LHV hallatavatel pensionifondidel on 114 000 aktiivset klienti ja LHV Kindlustusega on kaitstud 170 000 klienti. Groupi tütarettevõte LHV Bank omab Ühendkuningriigi pangalitsentsi ning pakub pangateenuseid rahvusvahelistele finantstehnoloogia ettevõtetele ja laenusid väikese ja keskmise suurusega ettevõtetele. Marthi Lepik LHV kommunikatsioonispetsialist Telefon: 5666 2944 E-post: [email protected] (mailto:[email protected])
Pealkiri
Outcome of Supervisory Review and Evaluation Process by the ECB and LHV Group's Internal Capital Targets
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In December, the European Central Bank (ECB) presented AS LHV Group with the outcome of Supervisory Review and Evaluation Process (SREP) for capital adequacy calculation. According to the ECB's decision, the Pillar 2 capital requirements for LHV Group were reduced. An additional requirement for own funds in the amount 3.00% applies to LHV Group, of which at least 1.69% must be covered by Core Tier 1 own funds and at least 2.25% by Tier 1 capital. The countercyclical buffer set by Eesti Pank in the amount of 1.50 percentage points remains in force. The countercyclical buffer is one of the four regional buffers that are set for meeting the objectives of macroprudential supervision and the flexibility of establishing it is left to each member state. The Supervisory Board of LHV Group, considering the ECB's decision, decided to increase the internal buffers in the corresponding amount, while maintaining the total own funds target ratio at 19.70%, Tier 1 ratio at 16.85% and Core Tier 1 ratio at 14.70%. Underneath is the target split into components: +------------------------------------------+------+------+---------------------+ |Indicator |CET 1 |Tier 1|Total own funds ratio| +------------------------------------------+------+------+---------------------+ |Basic requirement |4.50% |6.00% | 8.00% | +------------------------------------------+------+------+---------------------+ |Pillar 2 capital requirement (P2R) |1.69% |2.25% | 3.00% | +------------------------------------------+------+------+---------------------+ |Total SREP Capital Requirement (TSCR) |6.19% |8.25% | 11.00% | +------------------------------------------+------+------+---------------------+ |Capital conservation buffer |2.50% |2.50% | 2.50% | +------------------------------------------+------+------+---------------------+ |Systemic risk buffer |0.00% |0.00% | 0.00% | +------------------------------------------+------+------+---------------------+ |Countercyclical buffer |1.50% |1.50% | 1.50% | +------------------------------------------+------+------+---------------------+ |O-SII buffer |2.00% |2.00% | 2.00% | +------------------------------------------+------+------+---------------------+ |Total combined buffer |6.00% |6.00% | 6.00% | +------------------------------------------+------+------+---------------------+ |Total general capital requirement |12.19%|14.25%| 17.00% | +------------------------------------------+------+------+---------------------+ |Pillar 2 guidance |2.00% |2.00% | 2.00% | +------------------------------------------+------+------+---------------------+ |Internal buffers |0.51% |0.60% | 0.70% | +------------------------------------------+------+------+---------------------+ |Total internal capital requirement risk | | | | |appetite limit |14.70%|16.85%| 19.70% | +------------------------------------------+------+------+---------------------+ LHV Group is the largest domestic financial group and capital provider in Estonia. LHV Group's key subsidiaries are LHV Pank, LHV Varahaldus, LHV Kindlustus, and LHV Bank Limited. The Group employs over 1,200 people. As at the end of November, LHV's banking services are being used by 452,000 clients, the pension funds managed by LHV have 114,000 active clients, and LHV Kindlustus protects a total of 170,000 clients. LHV Bank Limited, a subsidiary of the Group, holds a banking licence in the United Kingdom and provides banking services to international financial technology companies, as well as loans to small and medium-sized enterprises. Marthi Lepik Communication Specialist Phone: +372 5666 2944 Email: [email protected] (mailto:[email protected])