

ING takes capital hit for lowballing loan-loss provisions
NPE coverage ratio fell over Q4
ING deducted €351 million ($425 million) from its core capital in the fourth quarter to compensate for loan-loss provisions falling below regulatory minimum levels.
The capital hit was required under the ‘prudential backstop’ rule in the European Union’s Capital Requirements Regulation (CRR). This obliges banks to maintain a minimum loss coverage against non-performing exposures (NPEs). If this
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