ING Group has received notification from the European Central Bank (ECB) regarding the outcome of the 2025 Supervisory Review and Evaluation Process (SREP). The ECB’s decision outlines updated prudential requirements for ING, including changes to capital requirements that will take effect in 2026.
The ECB determined that ING Group’s Pillar 2 additional own funds requirement (P2R) will rise by 5 basis points, moving from 165 basis points to 170 basis points. This adjustment will be effective starting January 1, 2026. As a result, ING Group’s fully loaded Common Equity Tier 1 (CET1) requirement will increase by 3 basis points. Additionally, with a recent increase in Spain’s countercyclical buffer requirement, ING Group’s fully-loaded CET1 requirement is set to reach 11.00%, and its total capital requirement will rise to 15.24%.
The ECB also communicated a new leverage ratio Pillar 2 requirement (P2R-LR) of 10 basis points for ING Group. This means the overall leverage ratio requirement will go up from 3.5% to 3.6% as of January 1, 2026.
As of September 30, 2025, ING Group reported a CET1 ratio of 13.4% and a leverage ratio of 4.4%. Both figures are above the upcoming regulatory thresholds.
Further details about ING’s capital requirements are available in the Credit Update presentation on the Investor Relations section of the company’s website.
