The adverse stress test scenario was set by the ECB/ESRB and covers a three-year time horizon (2016-2018). The stress test has been carried out applying a static balance sheet assumption as at December 2015, and therefore does not take into account current or future business strategies and management actions. It is not a forecast of ING Group's profits.
Under the hypothetical baseline scenario and EBA's methodological instructions, ING Group would have a fully loaded common equity Tier 1 capital ratio (CET1) of 12.5% in 2018. Under the hypothetical adverse scenario and EBA's methodological instructions, ING Group would have a fully loaded CET1 ratio of 9.0% in 2018. ING Group published an actual fully loaded CET1 ratio of 12.7% per 31 December 2015.