Core Insights - The European Banking Authority (EBA) published the results of the 2025 EU-wide stress test, confirming ING's resilient capital position [1][3] - The stress test is designed to provide information for the Supervisory Review and Evaluation Process (SREP) rather than a pass/fail assessment [2] Stress Test Details - The stress test covers a three-year horizon from 2025 to 2027, using a static balance sheet assumption as of December 31, 2024 [3] - Key outcomes for ING include a transitional Common Equity Tier 1 (CET1) ratio of 12.90% under baseline conditions and 10.63% under adverse scenarios by year-end 2027 [3] - The fully-loaded CET1 ratio is projected to be 11.85% in the baseline scenario and 10.41% in the adverse scenario [3] - As of June 30, 2025, ING's actual CET1 ratio was reported at 13.3%, indicating a strong capital position [3] Company Profile - ING is a global financial institution with a strong European base, providing banking services through ING Bank, which operates in over 100 countries [6] - The company employs more than 60,000 staff and is listed on multiple exchanges, including Amsterdam and New York [6] Sustainability Efforts - ING aims to integrate sustainability into its operations, with an ESG rating of 'AA' from MSCI reaffirmed in August 2024 [7] - As of June 2025, ING's management of ESG material risk is rated as 'Strong' by Sustainalytics, with a low ESG risk rating of 18.0 [7]
EBA stress test confirms ING’s resilient capital position