Inhoudsopgave Voorwoord Bestuursverslag Corporate governance Consolidated Financial Statements Company Financial Statements Pillar 3
Fixed to floating
Floating
Fixed to floating
Fixed
Fixed
Fixed
9.94 (fixed)
Applicable five year
swap rate 3.75%
11 (fixed)
8.40
5.50
6.63
Partially discretionary:
Partially discretionary:
Partially discretionary:
Full discretion to cancel
Full discretion to
Full discretion to
Required if the issuer
Required if the issuer
Required if the issuer
interest payments. Any
cancel interest
cancel interest
makes payments
makes payments
makes payments
interest payment may
payments. Any
payments. Any
on junior/pari passu
on junior/pari passu
on junior/pari passu
not exceed distributable
interest payment
interest payment
securities or redeems,
securities or redeems,
securities or redeems,
items.
may not exceed
may not exceed
repurchases or otherwise
repurchases or otherwise
repurchases or otherwise
distributable
distributable
acquires junior securities
acquires junior securities
acquires junior securities
items on issuer
items on issuer
in the 12 months
in the 12 months
in the 12 months
levels and could
levels and could
preceding the relevant
preceding the relevant
preceding the relevant
be restricted by
be restricted by
Interest Payment Date,
Interest Payment Date,
Interest Payment Date,
MDA.
MDA.
unless it is prohibited.
unless it is prohibited.
unless it is prohibited.
Interest is prohibited if
Interest is prohibited if
Interest is prohibited if
the relevant Solvency
the relevant Solvency
the relevant Solvency
Rules prohibit payments
Rules prohibit payments
Rules prohibit payments
on junior or pari passu
on junior or pari passu
on junior or pari passu
securities. All other
securities. All other
securities. All other
interest is payable at
interest is payable at
interest is payable at
the Issuer's discretion,
the Issuer's discretion,
the Issuer's discretion,
but subject to dividend
but subject to dividend
but subject to dividend
pusher (for junior and
pusher (for junior and
pusher (for junior and
pari passu instruments).
pari passu instruments).
pari passu instruments).
Partially discretionary
Partially discretionary
Partially discretionary
Fully discretionary
Fully discretionary
Fully discretionary
Yes
No
Yes
No
No
No
Non-cumulative
Non-cumulative
Non-cumulative
Non-cumulative
Non-cumulative
Non-cumulative
Non-convertible Non-convertible Non-convertible Non-convertible Non-convertible Non-convertible
No
No
No
Yes
Yes
Yes
8% Equity Capital Ratio
(contractual) or PONV
(statutory)
7%CET Group
(contractual),
5.125% Issuer or
PONV (statutory)
7%CET Group
(contractual),
5.125% Issuer or
PONV (statutory)
Always fully
In partial or in full
In partial or in full
Permanent
Temporary
Temporary
n/a
Fully discretionary
Fully discretionary
Subordinated to Tier 2
instruments
Subordinated to Tier 2
instruments
Subordinated to Tier 2
instruments
Subordinated to Tier 2
instruments
Subordinated to
Tier 2 instruments
Subordinated to
Tier 2 instruments
Yes
Yes
Yes
Yes
No
No
No fully discretionary
coupons
No fully discretionary
coupons
No fully discretionary
coupons
Conditional call
379 14. Appendices