Economic exposure Total of outstandings plus undrawn committed portions calculated on the basis of economic risk principles.
Recognition The process of incorporating in the balance sheet, or craigslist seks meetup profit and loss account, an item that meets the definition of an element and satisfies the following criteria for recognition: It is probable that any future economic benefit associated with the item will flow.Interest margin Difference between the average interest received on funds lent and the interest paid by the bank on capital raised.Sustainable engagement score The extent to which employees are motivated, enabled and energised to perform at their best and help ING to succeed.Monte Carlo simulation A model to calculate Value at Risk, assuming that changes in risk factors are normally distributed together, taking into account non-linear behaviour of financial products.Basel II is an international standard for calculating the required capital based on internal models that take into account the financial and operational risks.The CRR is binding for all EU Member States and became effective as at, with the full requirements to take effect from The CRD IV directs all EU Member States to implement certain components of Basel III in their own law, in the Netherlands.Audit Committee, the Audit Committee, consisting of members geregistreerde zedendelinquenten eureka ca of the Supervisory Boards, assists the Supervisory Board in monitoring the integrity of the financial statements of ING Group.V.The policyholder invests in units (stock, bonds, or mutual funds) and the return depends on the performance of these units.Initial Public Offering (IPO) When a company publicly offers its shares for sale for the first time on a stock exchange, this is called an Initial Public Offering (IPO).The reinsured may also be referred to as the original or primary insurer, the direct writing company, or the ceding company.In de echte wereld is het belang een maatregel die risico's met zich mee brengt.The amount that is set to be paid off each year is pre-determined by the company based on estimated future returns.The change in the Net Present Value of a cash flow or a pool of cash flows due to a one basis point change of the yield curve.
Fair value The price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the balance sheet date (exit price).
Those that ING Group upon initial recognition designates as at fair value through profit and loss.Those that meet the definition of loans and receivables.Promoters are those who respond with a score of 9 or 10 (out of 10) and are thus considered loyal enthusiasts.Exposure at Default (EaD) The exposure at default intends to estimate with the use of models the outstanding amount or obligation at the moment of default in the future.The profit-sharing is granted by means of a premium discount related to the yield on government bonds.Value in use The present value of estimated future cash flows expected to arise from the continuing use of an asset and from its disposal at the end of its useful life.Legal risk Legal risk is the risk related to: A failure (or perceived failure) to adhere to applicable laws, regulations and standards.Loan to Deposit ratio (LtD ratio) Measure for the liquidity of banks.(in ons geval betaalt de speler 955G voor de oorlogsobligatie) De uitgifteprijs is soms lager gezet dan de nominale waarde om kopers te lokken.LCR is defined as: stock of high quality liquid assets / assumed 30-day cash outflow.
Compliance risk Compliance risk is defined as the risk of impairment of ING Banks integrity as a result of failure or perceived failure to comply with relevant laws, regulations, ING Bank policies and standards and the ING Bank Business Principles (replaced by ING Bank Values.