Development of the solvency ratio
Situation as at 31 December 2020
| Year | Total capital ratio | Own funds (in million EUR) | Tier 1 capital ratio | Original own funds (in million EUR) | Common Equity Tier 1 capital ratio | Common Tier 1 (in million EUR) | |
| 2014 | 19.6% | 46,296.6 | 18.5% | 43,695.39 | 18.4% | 43,537.26 | |
| 2015 | 20.7% | 47,600.8 | 20.0% | 45,893.7 | 19.9% | 45,736.2 | |
| 2016 | 24.8% | 50,120.4 | 24.1% | 48,693.1 | 24.0% | 48,533.8 | |
| 2017 | 25.9% | 51,542.9 | 25.1% | 49,990.5 | 24.5% | 48,831.9 | |
| 2018 | 25.2% | 48,342.63 | 24.4% | 46,863.92 | 23.8% | 45,705.4 | |
| 2019 | 22.7% | 50,070.14 | 22.2% | 48,977.12 | 21.7% | 47,781.6 | |
| 2020 | 24.5% | 55,397.37 | 22.6% | 50,986.3 | 21.9% | 49,503.28 | |
In accordance with Article 5 of CSSF Regulation No 14-01 on the implementation of certain discretions of Regulation (EU) No 575/2013 and Article 92 of Regulation (EU) No 575/2013, the Luxembourg institutions and the branches of non-EU banks, if they are not subject to supervision by a foreign authority based on compliance with standards offering guarantees that are comparable to those in force in Luxembourg, are required to observe, since January 2014:
- a Common Equity Tier 1 capital ratio of 4.5%;
- a Tier 1 capital ratio of 6%; and
- a total capital ratio of 8%.
In addition, the CSSF having anticipated the implementation of the capital conservation buffer, the aforementioned institutions are required, under Article 6 of CSSF Regulation N° 14-01 to hold, from 1 January 2014, a capital conservation buffer (made up of Common Equity Tier 1) equal to 2.5% of the total amount of their risk exposure.
Pursuant to Article 1 of CSSF Regulation No 16-15 on the setting of the countercyclical buffer rate, the countercyclical buffer rate applicable to the relevant exposures located in Luxembourg is maintained at 0% for the 1st quarter of 2016.
All statistics: link to the “Statistics” page