ING Group announced that it has received the outcome of the 2025 Supervisory Review and Evaluation Process (SREP) from the European Central Bank (ECB). The review sets new prudential requirements for ING, including capital requirements for 2026.
The ECB's decision will raise ING Group’s Pillar 2 additional own funds requirement (P2R) by 5 basis points, moving from 165 to 170 basis points. This change will take effect on January 1, 2026. As a result, ING’s fully loaded Common Equity Tier 1 (CET1) requirement will rise by three basis points. With a recent increase in Spain’s countercyclical buffer requirement also factored in, ING Group’s CET1 requirement will reach 11.00%, and its total capital requirement will be set at 15.24%.
Additionally, the ECB has introduced a leverage ratio Pillar 2 requirement (P2R-LR) of ten basis points for ING Group. This means that as of January 1, 2026, the overall leverage ratio requirement will go up from 3.5% to 3.6%.
As of September 30, 2025, ING Group reported a CET1 ratio of 13.4% and a leverage ratio of 4.4%, both above the new regulatory minimums.
Further details about these capital requirements are available in the ING Group Credit Update presentation found on the Investor Relations section of its website.