This report does not constitute a rating action. LONDON (S&P Global Ratings) Oct. 27, 2026--While bank capital ratios may have largely peaked in Europe, capital remains a live rating topic since some banks continue to build their ratios. For some this is putting upward pressure on the rating, for others it’s not. In a Credit FAQ published today, S&P Global Ratings takes a deep dive into why some European banks operate with far higher capital ratios than their regulatory requirements and makes the link between capital and its view of bank creditworthiness. In particular, we focus on whether more capital is always better for credit or, conversely, when it might cease to be accretive or even become a problem (see
