CYBG said it plans to invest £350 million over the next two years to "simplify our business, drive cost and capital efficiency, maintain our platform's resilience and support the continued roll out of our omni-channel model". The group anticipates a move to an internal ratings-based approach, which allows a bank to estimate their own risk parameters when calculating regulatory capital, by the end of 2020, subject to regulatory approval. The internal ratings-based approach allows a bank to estimate their own risk parameters when calculating regulatory capital, which under the Basel II banking law and regulation guidelines is based on a bank meeting disclosure requirements and gaining approval from its national regulators.