is€¦ · estonia lithuania norway latvia sweden denmark finland luminor swedbank seb 271% 191%...
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43.6 % 56.2%0.2 %
100%
100%
100%
100%
DNB Bank ASA
(Norway)
Luminor Bank AS
(Estonia)
Nordea Bank Abp
(Finland)
Luminor
MiCom AB
Life and Pension
Finance/ Leasing
SPVs (Estonia)
Luminor branch
(Lithuania)
Luminor branch
(Latvia)
Life and Pension
Finance/ Leasing
SPVs (Latvia)
Life and Pension
Finance/ Leasing
SPVs (Lithuania)
Luminor Group AB
(Sweden)
✓
✓
✓
✓
✓
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Aaa
Aaa
Aaa
Aaa
Aaa
Aa1
Aa1
Aa2
Aa2
A1
A2
A2
A3
A3
A3
Baa1
Baa3
Baa3
NO
R
NL
D
SW
D
DN
K
DE
U
AU
T
FIN
GB
R
FR
A
ES
T
IRL
PO
L
ISL
LT
U
LV
A
ES
P
ITA
PR
T
ITA
PR
T
BE
L
ES
P
FR
A
GB
R
Euro
are
a
AU
T
IRL
FIN
DE
U
NL
D
PO
L
SW
E
LT
U
LV
A
DN
K
ES
T
0
20
40
60
80
100
120
140
0
1
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6
2013 2014 2015 2016 2017 2018
Estonia Euro area Latvia Lithuania
2010 2011 2012 2013 2014 2015 2016 2017 2018
Estonia Latvia Lithuania
Denmark Norway Sweden Finland Estonia Lithuania Latvia
Estonia Lithuania Norway Latvia Sweden Denmark Finland Luminor Swedbank SEB
271%
191%154% 145% 111% 89% 89%
Denmark Sweden Norway Finland Estonia Latvia Lithuania
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CET1Requirements
CET1 Capital RatioQ2'19
Total CapitalRequirements
Total Capital RatioQ2'19
O-SII buffer
Systemic risk buffer
Countercyclical buffer
Conservation buffer
Pillar 2 add-on
Tier 2 Capital
Additional Tier 1 Capital
CET1 minimumrequirement
Q4'17 Q2'19
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Q4'17 Q2'18 Q4'18 Q2'19 Q4'17 Q2'18 Q4'18 Q2'19Q4'17 Q2'18 Q4'18 Q2'19
Lands. Arion AIB Islands. Luminor PKO mBank Pekao BoI Bawag RBI Erste Lands. Islands. Arion Luminor PKO AIB Pekao Bawag Erste BoI RBI
Erste BoI Pekao AIB Luminor Arion mBank Lands. PKO Islands. RBIArion Islands. mBank Lands. Erste Bawag Pekao AIB PKO RBI BoI Luminor
Q4'17 Q2'18 Q4'18 Q1'19 Q2'19 EE LV LT Baltic
Corporate Retail
Corporate Collateral Retail CollateralBaltic Collateral
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Luminor
Exposures in default
Retail
Secured by mortgages
Corporates Share of Credit Risk REA
Average Risk Weight
Q4'17 Q2'18 Q4'18 Q2'19
CRR2 minimum
3%3
Sweden
Denmark
Finland
Norway
Luminor
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%
26 %15 %
19 %
31 %
22 % 21 %
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LU
X
DE
U
SW
E
LT
U
DN
K
PO
L
Eu
ro a
rea
PR
T
ES
T
FIN
LV
A
ITA
FR
A
SP
A
-3
-2
-1
0
1
2
3
