ING Group Completes 2025 SREP Process: Key Updates Ahead
ING Group's Completion of the 2025 SREP Process
ING Group has received notification from the European Central Bank (ECB) regarding the outcomes of the 2025 Supervisory Review and Evaluation Process (SREP). This evaluation is crucial as it determines the prudential requirements for ING, including its capital requirements for the year 2026.
According to the recent findings from the ECB, the Pillar 2 additional own funds requirement (P2R) is set to rise by 5 basis points, moving from 165 basis points to 170 basis points. This adjustment will officially take effect on January 1, 2026. As a result, ING Group's fully loaded Common Equity Tier 1 (CET1) requirement will increase by 3 basis points. Coupled with a previously announced increase in the countercyclical buffer requirement in Spain, the fully loaded CET1 requirement for ING will climb to 11.00%. Furthermore, the total capital requirement will adjust upward to 15.24%.
Changes to Leverage Ratio Requirements
The ECB has also communicated a new Pillar 2 requirement for the leverage ratio (P2R-LR), which will see a 10 basis point rise. Consequently, the overall leverage ratio requirement for ING Group will elevate from 3.5% to 3.6%, effective from 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 of which significantly exceed the existing regulatory requirements. For additional insights into ING’s capital requirements, stakeholders can refer to the ING Group Credit Update presentation available in the Investor Relations section of their website.
Commitment to Sustainability and ESG Rating
ING is dedicated to making sustainability a core component of its operations. Recent assessments by independent researchers and rating providers have reflected progress in this area. Particularly noteworthy is the upgrade of ING's ESG rating by MSCI from 'AA' to 'AAA' in October 2025. Additionally, as of June 2025, ING's management of ESG-related risks has been rated as 'Strong' by Sustainalytics, with a low-risk score of 18.0.
ING Group's shares are actively included in major sustainability and ESG index products from leading providers such as Euronext, STOXX, Morningstar, and FTSE Russell, indicating a strong alignment with global sustainability trends. As society transitions to a low-carbon economy, ING continues to finance various sustainable activities while also addressing areas not yet aligned with those goals.
Understanding ING's Future Outlook
ING Groep N.V., including its banking entity ING Bank, plays a pivotal role in the financial sector. Operating more than 100 branches worldwide, the institution strives to empower individuals and businesses alike, with a workforce exceeding 60,000 employees delivering retail and wholesale banking solutions.
It's important to note that ING's shares are actively traded on multiple exchanges, including Amsterdam (INGA NA, INGA.AS) and Brussels, as well as on the New York Stock Exchange under the ticker ADRs: ING US, ING.N. Stakeholders are encouraged to monitor the company's initiatives and updates frequently.
Connecting with ING Group
For anyone seeking to understand more about ING or to engage with the company, they can reach out through various channels designed for media and investor inquiries. The Media Relations team is available at +31 20 576 5000, while Investor Relations can be contacted at +31 20 576 6396. Email communications can also be directed to media.relations@iing.com or Investor.Relations@ing.com.
Frequently Asked Questions
What is the SREP process?
The Supervisory Review and Evaluation Process (SREP) is an assessment conducted by regulators, such as the ECB, to evaluate a bank's capital adequacy and overall risk management.
How will these regulatory changes affect ING Group?
The increased capital and leverage ratio requirements mean ING Group will need to maintain higher levels of capital, providing an additional buffer against potential losses and ensuring regulatory compliance.
What are ING's current capital ratios?
As of September 30, 2025, ING Group's CET1 ratio stood at 13.4%, while its leverage ratio was at 4.4%, both of which exceed regulatory demands.
How does ING approach sustainability?
ING integrates sustainability into its operations and strategy, evidenced by its 'AAA' ESG rating and its active financing of sustainable projects.
Where can I find more information on ING's performance?
Additional details about ING Group's financial performance and sustainability efforts can be found on their official website, particularly in the Investor Relations section.
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