The European Central Bank left ING Group's capital requirements for 2027 unchanged after its 2026 supervisory review, keeping the lender's regulatory thresholds steady as the next year begins.
ING put next year's Common Equity Tier 1 (CET1) requirement at 11.12% on a fully loaded basis, with the total capital minimum at 15.37%. The overall leverage threshold remains 3.6%. The bank's Pillar 2 requirement (P2R) stays at 170 basis points, while the P2R tied to its leverage ratio remains 10 basis points, ING said in an Oct. 28 release.
As of June 30, 2026, ING reported a CET1 ratio of 13.1%, a total capital ratio of 18.7% and a leverage ratio of 4.2%. Those figures appeared in the group's second-quarter results filed with the U.S. Securities and Exchange Commission. The June figures describe the ratios ING reported at that date; the ECB review sets requirements for 2027.
The ECB says supervisors use P2R to address risks at an individual bank that baseline Pillar 1 requirements may not adequately cover. The add-on is legally binding. Banks that fail to meet it can face supervisory measures, including sanctions, according to the ECB.
For its 2026 Supervisory Review and Evaluation Process (SREP), the ECB used a revised method for setting P2R. Requirements produced under that approach take effect Jan. 1, 2027, the central bank says. EconoTimes has also covered the ECB's 2027 CET1 minimum for Société Générale.
