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202012 Informe De Disciplina De Mercado

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202012 Informe De Disciplina De Mercado Documento de disciplina de mercado Diciembre 2020 ÍNDICE ÍNDICE ............................................................................................................................................................. 0 1. ÁMBITO DE APLICACIÓN.......................................................................................................................... 2 2. RESUMEN DE LA GESTIÓN DE RIESGOS, PARÁMETROS PRUDENCIALES CLAVE Y APR .............................. 4 FORMULARIO KM1 – PARÁMETROS CLAVE (A NIVEL DEL GRUPO CONSOLIDADO ) ....................................................................... 4 TABLA OVA: MÉTODO DE LA ENTIDAD PARA LA GESTIÓN DE RIESGOS ...................................................................................... 4 FORMULARIO OV1: PRESENTACIÓN DE LOS ACTIVOS PONDERADOS POR RIESGO (APR) ........................................................... 11 3. VÍNCULOS ENTRE ESTADOS FINANCIEROS Y EXPOSICIONES REGULADORAS .......................................... 12 FORMULARIO LI1: DIFERENCIAS ENTRE LOS ÁMBITOS DE CONSOLIDACIÓN CONTABLE Y REGULADOR Y CORRESPONDENCIA ENTRE ESTADOS FINANCIEROS Y CATEGORÍAS DE RIESGO REGULADORAS .......................................................................................... 12 4. COMPOSICIÓN DEL CAPITAL Y TLAC....................................................................................................... 13 FORMULARIO CC1: COMPOSICIÓN DEL CAPITAL REGULADOR .............................................................................................. 13 FORMULARIO CC2: CONCILIACIÓN DEL CAPITAL REGULADOR CON EL BALANCE PUBLICACIÓN ..................................................... 16 5. PARÁMETROS DE SUPERVISIÓN MACROPRUDENCIAL ........................................................................... 19 6. COEFICIENTE DE APALANCAMIENTO ..................................................................................................... 20 FORMULARIO LR1 - RESUMEN COMPARATIVO DE LOS ACTIVOS CONTABLES FRENTE A LA MEDIDA DE LA EXPOSICIÓN DEL COEFICIENTE DE APALANCAMIENTO ...................................................................................................................................................... 20 FORMULARIO LR2 - FORMULARIO COMÚN DE DIVULGACIÓN DEL COEFICIENTE DE APALANCAMIENTO .......................................... 20 7. LIQUIDEZ ............................................................................................................................................... 21 TABLA LIQA: GESTIÓN DEL RIESGO DE LIQUIDEZ ............................................................................................................... 21 FORMULARIO LIQ1 – RATIO DE COBERTURA DE LIQUIDEZ (LCR) .......................................................................................... 25 FORMULARIO LIQ2 – RATIO DE FONDEO NETO ESTABLE (NSFR).......................................................................................... 26 8. RIESGO DE CRÉDITO .............................................................................................................................. 30 TABLA CRA: INFORMACIÓN CUALITATIVA GENERAL SOBRE EL RIESGO DE CRÉDITO .................................................................... 30 FORMULARIO CR1 – CALIDAD CREDITICIA DE LOS ACTIVOS .................................................................................................. 34 FORMULARIO CR2: CAMBIOS EN LA CARTERA DE PRÉSTAMOS Y TÍTULOS DE DEUDA EN SITUACIÓN DE INCUMPLIMIENTO ................. 34 TABLA CRB: INFORMACIÓN ADICIONAL SOBRE LA CALIDAD CREDITICIA DE LOS ACTIVOS ............................................................ 35 TABLA CRC: REQUISITOS DE DIVULGACIÓN CUANTITATIVA RELACIONADOS CON TÉCNICAS DE COBERTURA DEL RIESGO DE CRÉDITO .... 38 FORMULARIO CR3: TÉCNICAS DE COBERTURA DEL RIESGO DE CRÉDITO – PRESENTACIÓN GENERAL .............................................. 39 FORMULARIO CR4: MÉTODO ESTÁNDAR : EXPOSICIÓN AL RIESGO DE CRÉDITO Y EFECTOS DE TÉCNICAS PARA LA COBERTURA DE RIESGO DE CRÉDITO (CRC) ...................................................................................................................................................... 40 FORMULARIO CR5 – MÉTODO ESTÁNDAR : EXPOSICIONES POR CLASES DE ACTIVOS Y PONDERACIONES POR RIESGO ........................ 41 9. RIESGO DE CRÉDITO DE CONTRAPARTE ................................................................................................. 42 TABLA CCRA: INFORMACIÓN CUALITATIVA SOBRE EL RIESGO DE CRÉDITO DE CONTRAPARTE ..................................................... 42 FORMULARIO CCR3: MÉTODO ESTÁNDAR PARA LAS EXPOSICIONES CCR POR CARTERA REGULADORA Y PONDERACIONES POR RIESGO 43 10. TITULIZACIÓN .................................................................................................................................... 44 11. RIESGO DE MERCADO........................................................................................................................ 45 TABLA MRA: REQUISITOS DE INFORMACIÓN CUALITATIVA PARA EL RIESGO DE MERCADO .......................................................... 45 FORMULARIO MR1: RIESGO DE MERCADO CON EL MÉTODO ESTÁNDAR ................................................................................. 50 ÍNDICE 1 12. RIESGO DE TASA DE INTERÉS ............................................................................................................. 51 TABLA IRRBA: OBJETIVOS Y POLÍTICAS DE GESTIÓN DEL RIESGO IRRBB ................................................................................ 51 FORMULARIO IRRBB1: INFORMACIÓN CUANTITATIVA SOBRE IRRBB ................................................................................... 57 13. REMUNERACIÓN ............................................................................................................................... 58 TABLA : REMA – POLÍTICA DE REMUNERACIÓN ................................................................................................................ 58 FORMULARIO REM1: REMUNERACIÓN ABONADA DURANTE EL EJERCICIO FINANCIERO ............................................................. 61 FORMULARIO REM3: REMUNERACIÓN DIFERIDA .............................................................................................................. 62 14. RIESGO OPERACIONAL ...................................................................................................................... 63 INFORMACIÓN CUALITATIVA SOBRE EL RIESGO OPERACIONAL .............................................................................................. 63 15. OTROS RIESGOS ................................................................................................................................ 69 INFORMACIÓN CUALITATIVA SOBRE EL RIESGO ESTRATÉGICO ............................................................................................... 69 INFORMACIÓN CUALITATIVA SOBRE EL RIESGO REPUTACIONAL ............................................................................................. 70 Citibank – Documento de disciplina de mercado Ámbito de Aplicación 2 1. Ámbito de Aplicación Entorno Regulatorio De acuerdo a la Comunicación “A” 5394 y modificatorias emitidas por el Banco Central de la República Argentina (BCRA), las Entidades Financieras deben cumplir con los requisitos mínimos de divulgación de información vinculada con la estructura y suficiencia de capital regulatoria, la exposición a los diferentes riesgos y su gestión. La información debe ser publicada en la página web de la Entidad en cuestión. El objetivo de la divulgación de esta información es fomentar la disciplina de mercado de modo que permitan a los participantes del mismo evaluar la información referida al capital, las exposiciones al riesgo, los procesos de evaluación al riesgo y la suficiencia del capital de una institución. Información General Citibank N.A. La sucursal de Citibank N.A. establecida en Argentina, en adelante “Citibank”, “la Entidad”, la “Compañía” o “el Banco”, es una sucursal de sociedad extranjera inscripta en el país conforme los términos del artículo 118 de la Ley de Sociedades Comerciales Nro. 19.550 y autorizada por el BCRA para operar dentro del sistema financiero argentino1. Es una Entidad de derecho privado, sujeta a las normativas y regulaciones de las Entidades bancarias operantes en Argentina. Citibank Argentina y su casa matriz en los Estados Unidos de América forman parte del grupo económico Citigroup. La sociedad controlante, Citigroup Inc., cotiza sus acciones en la bolsa de comercio de Nueva York (New York Stock Exchange o NYSE), Estados Unidos de América. Conforme el Schedule 13G presentado ante la Security Exchange Commission el día 10 de febrero de 2020, BlackRock Inc ha manifestado que dicha compañía y sus subsidiarias poseen 7,3% de las acciones ordinarias de Citigroup Inc, mientras que The Vanguard Group, Inc. ha manifestado, conforme el Schedule 13G presentado ante la Security Exchange Commision el día 12 de febrero de 2020, que dicha compañía y sus subsidiarias poseen el 8.19 % de las acciones ordinarias de Citigroup Inc. Entidades que integran el grupo Existe vinculación, de acuerdo al texto ordenado Fraccionamiento del Riesgo Crediticio emitido por el BCRA, con otras Entidades aun cuando no conforman un grupo económico per se, entre las cuales se encuentran las siguientes: • CITICARD S.A.: Su objeto social es Holding. Básicamente posee participaciones societarias en Cias. dedicadas a actividades afines a la actividad bancaria. Actualmente
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