ING Group Completes 2025 SREP: Understanding Key Outcomes

Author: Thomas Cooper Updated: 10-30-2025 01:19 PM

Overview of the 2025 SREP Completion

ING Group has recently received notification regarding the European Central Bank's (ECB) decision on the 2025 Supervisory Review and Evaluation Process (SREP). This process is critical as it directly influences ING's prudential requirements, including those for capital in the coming years.

New Capital Requirements Detailed

As per the ECB's announcement, ING Group's additional own funds requirement (P2R) will see a slight increase of 5 basis points, moving from 165 bps to 170 bps effective January 1, 2026. This adjustment will also raise the fully loaded Common Equity Tier 1 (CET1) requirement by 3 bps. With the recently implemented increase in the countercyclical buffer in Spain, the total CET1 requirement for ING will reach 11.00%, with a total capital requirement of 15.24%.

Implications of Leverage Ratio Changes

The ECB has also established a leverage ratio Pillar 2 Requirement (P2R-LR) of 10 bps. Consequently, ING Group's overall leverage ratio requirement will increase from 3.5% to 3.6% as of the same date.

Current Financial Ratios as of September 2025

As of September 30, 2025, ING Group reported a commendable CET1 ratio of 13.4% and a leverage ratio of 4.4%. Both figures exceed the current regulatory requirements, showcasing a robust financial position.

ING Group's Commitment to Sustainability

ING Group emphasizes sustainability integration within its operations. Their policies and strategies are subject to evaluation by independent research bodies, ensuring transparency and accountability. Notably, ING's ESG rating by MSCI has seen a noteworthy upgrade from 'AA' to 'AAA' in recent evaluations, highlighting significant improvements in its sustainability efforts.

Position on Climate Action

As society moves towards a low-carbon economy, ING Group is actively financing sustainable projects while also recognizing the need to transition away from less sustainable activities. The bank is committed to monitoring its progress in this area, and further details can be found on their climate action website.

Contact Information for ING Group

For media inquiries, the following contacts are available: ING Group Media Relations at +31 20 576 5000, or via email at media.relations@iing.com. Investor inquiries can be directed to ING Group Investor Relations at +31 20 576 6396, or through Investor.Relations@ing.com.

Frequently Asked Questions

What is the purpose of the SREP process?

The SREP process aims to ensure that banks maintain adequate capital levels and effectively manage risks.

What changes were announced for ING's CET1 requirement?

ING's CET1 requirement will increase to 11.00% including the countercyclical buffer adjustments.

How does the leverage ratio affect banks?

The leverage ratio measures a bank's capital against its total assets. Changes in this metric affect the bank's ability to absorb losses.

What sustainability initiatives does ING have?

ING integrates sustainability into its operations and has significantly improved its ESG rating, indicating a strong commitment to environmental responsibility.

Where can I find more information about ING Group?

Further details about ING Group, including financial updates and sustainability efforts, can be accessed through their official website.

About The Author

Hello, I'm Thomas Cooper, a financial expert and writer passionate about helping people understand and navigate the financial world. Having a solid financial background and a lot of experience, my area of expertise is simplifying difficult financial ideas into useful, understandable guidance. My goal with my writings and blog entries is to provide you the information and resources you need to make wise financial choices.

I am thrilled to contribute my ideas and engage with a lively investor community at Investors Hangout, where I recently joined the team. My mission is to make finance interesting and approachable so you may take charge of your financial future. I appreciate you coming along on this path to success and financial knowledge.

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