ING Direct 2015 Annual Report Download - page 257

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Contents
Report of the
Executive Board
Corporate
Governance
Consolidated
annual accounts
Parent company
annual accounts
Other
information
Additional
information
Additional Pillar III information - continued
Retail credit risk disclosure
This table presents the READ and RWA, segmented by relevant factors, and the analysis for the exposure class ‘Retail’.
READ
RWA
2015
2014
Delta %
2015
2014
Delta %
Retail
Total per rating
333,876
331,496
0.7%
70,647
76,060
–7%
Performing
327,116
323,866
1.0%
62,296
66,791
–7%
Impaired/Non-performing
6,760
7,630
–11.4%
8,351
9,268
–10%
Retail
Customer Segment
333,876
331,496
0.7%
70,647
76,060
–7%
Private Persons
308,145
304,760
1.1%
59,982
65,909
–9%
Small Mid-sized Enterprises
19,377
19,584
–1.1%
8,769
8,394
4%
Private Banking
3,683
3,651
0.9%
910
847
7%
Other
2,671
3,501
–23.7%
986
909
8%
Retail
Geography/business units
333,876
331,496
0.7%
70,647
76,060
–7%
Africa
88
67
30.9%
16
10
64%
America
249
187
33.5%
85
52
64%
Asia
171
161
6.6%
26
27
–4%
Australia
29,834
29,494
1.2%
2,011
2,476
–19%
Europe
303,534
301,587
0.6%
68,509
73,495
–7%
Retail
Europe
303,534
301,587
0.6%
68,509
73,495
–7%
Netherlands
142,607
147,940
–3.6%
26,242
32,127
–18%
Belgium
42,660
41,961
1.7%
8,284
8,583
–3%
Germany
77,107
72,806
5.9%
19,772
19,718
0%
Rest of Europe
41,160
38,880
5.9%
14,211
13,067
9%
Retail
PD Bands
333,876
331,496
0.7%
70,647
76,060
–7%
<0.05%
25,288
24,534
3.1%
1,521
1,443
5%
0.05% to 0.5%
206,862
192,765
7.3%
20,853
21,605
–3%
0.5% to 5%
85,664
93,642
–8.5%
30,734
32,823
–6%
5% to 10%
3,215
4,431
–27.4%
2,796
3,321
–16%
10% to 20%
3,599
4,759
–24.4%
3,679
4,059
–9%
20% to 50%
2,084
3,052
–31.7%
2,480
3,141
–21%
more than 50%
7,164
8,313
–13.8%
8,584
9,669
–11%
Retail
LGD Bands
333,876
331,496
0.7%
70,647
76,060
–7%
<0.10%
108,381
109,340
–0.9%
5,362
8,775
–39%
10% to 20%
109,392
100,239
9.1%
17,785
17,980
–1%
20% to 30%
34,637
43,355
–20.1%
9,816
12,900
–24%
30% to 40%
23,761
24,081
–1.3%
6,117
6,483
–6%
40% to 50%
15,732
15,280
3.0%
6,319
6,260
1%
50% to 60%
12,446
11,262
10.5%
6,745
6,250
8%
more than 60%
29,527
27,939
5.7%
18,503
17,412
6%
Includes both AIRB and SA portfolios; excludes equities, CVA RWA and ONCOA.
Retail – credit risk disclosure in READ and RWA
ING Bank Annual Report 2015 255