ING capital requirements will remain unchanged for 2027 following the European Central Bank’s annual supervisory review, the banking group said on October 28, 2026.

Key Takeaways

  • The ECB kept ING’s additional Pillar 2 own funds requirement at 170 basis points.
  • ING’s June 2026 capital and leverage ratios were above the stated requirements.

ING capital requirements after the review

ING said the ECB’s supervisory decision leaves its Pillar 2 additional own funds requirement at 170 basis points, or 1.7 percentage points. The decision applies to ING Group rather than setting a new rule for banks generally.

In its announcement of the 2026 supervisory review outcome, ING said its fully loaded Common Equity Tier 1 (CET1) requirement remains 11.12%, while its total capital requirement stays at 15.37%. The existing 10-basis-point Pillar 2 leverage requirement also remains in effect, producing an overall leverage ratio requirement of 3.6%.

The decision sets out requirements for 2027; ING did not specify a more precise effective date in its announcement.

Where ING stood at midyear

As of June 30, 2026, ING reported a CET1 ratio of 13.1% and a leverage ratio of 4.2%. Both were above the respective requirements stated in the announcement.

The CET1 ratio measures a bank’s core capital against risk-weighted assets, while the leverage ratio compares capital with a broader measure of exposures. The June figures are a historical snapshot, not the bank’s capital position during 2027.

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