Model review adds €13bn to ING’s RWAs

Trim effects projected to raise CET1 requirement by at least €600m

Changes to risk models following a supervisory review caused Dutch lender ING’s risk-weighted assets to bloat +2% in the final quarter of 2019, even as balance sheet assets contracted –3%.

RWAs increased by a net €6.7 billion ($7.4 billion) in Q4 2019. A €13.2 billion RWA add-on, equivalent to 4% of ING’s total, was applied in the final quarter, more than offsetting RWA decreases caused by improvements to the credit quality of its portfolio and positive foreign exchange effects. 

The add-on

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