Anke Reingen

Benjamin Goy

Farquhar Murray

Tarik El Mejjad

Benoit Petrarque

Giulia Miotto

Chris Hallam

Delphine Lee

Hari Sivakumaran

Hugh Moorhead

Johan Ekblom

Kirishanthan Vijayarajah

Namita Samtani

Samuel Moran-Smyth

Giulia Aurora Miotto

Jonathan Matthew Clark

Juan Pablo López Cobo

Marta Sánchez Romero

Matthew Clark

- ING reported strong commercial momentum in Q3 2025, with **EUR 8.6 billion** in retail net core lending growth and fee income increasing **15%** year-on-year.  **[0000903847_2214951_1]** **[0000903847_2214951_3]**  Customer balances grew at an annualized rate of **7%** in the first nine months of 2025.  **[0000903847_2214951_1]** 
- The company raised its full year 2025 outlook, anticipating fee growth of **more than 10%**, total income of around **EUR 22.8 billion**, and a Return on Equity (ROE) of **more than 12.5%**.  **[0000903847_2214951_2]** **[0000903847_2214951_1]** 
- ING announced an additional **EUR 1.6 billion** capital distribution, including a new **EUR 1.1 billion share buyback** and a **EUR 500 million cash dividend** for January 2026, following the conclusion of a **EUR 2 billion** share buyback program earlier in the week.  **[0000903847_2214951_2]** 
- The CET1 capital ratio target has been revised to around **13%** due to regulatory changes, with the announced distribution aligning the pro forma CET1 ratio with this new target.  **[0000903847_2214951_2]** **[0000903847_2214951_4]** 
- **Ida Lerner** has been appointed as the new Chief Financial Officer, and **Ljiljana Čortan** will assume a new board position.  **[0000903847_2214951_11]**

ING Reports Strong Q3 2025 Results, Raises 2025 Outlook, and Announces Capital Distribution

- ING announced an **additional €1.6 billion distribution**, consisting of a **€1.1 billion new share buyback** and a **€500 million cash dividend** to be paid in January 2026, following the completion of a €2 billion share buyback program.  **[0000903847_2214801_2]** 
- The company has updated its CET1 capital ratio target to **around 13%**, with the announced distribution bringing the pro forma Q1 ratio in line with this new target.  **[0000903847_2214801_2]** **[0000903847_2214801_4]** 
- ING raised its 2025 outlook, now anticipating total income to be **around €22.8 billion**, fee growth of **more than 10%**, and a return on equity (ROE) of **more than 12.5%**.  **[0000903847_2214801_2]**  Total costs are expected at the **lower end of the €12.5 billion to €12.7 billion range**.  **[0000903847_2214801_2]** 
- For Q3 2025, the company reported strong commercial momentum, including a **15% year-on-year increase in fee income** and **€14.2 billion in net core lending growth**.  **[0000903847_2214801_3]**

ING Announces Additional Capital Distribution and Raises 2025 Outlook

- ING has **completed its previous share buyback program**, repurchasing **101,193,469 ordinary shares** for a total consideration of **€2,000,093,404.60** at an effective average price of **€19.76**.  **[1039765_0001171843-25-006791_exh_991.htm:0]** 
- The company announced a **new shareholder distribution of up to €1.6 billion**.  **[1039765_0001171843-25-006791_exh_991.htm:0]** 
- This new distribution includes a **€1.1 billion share buyback program**, commencing on **October 30, 2025**, and expected to conclude by **April 27, 2026**.  **[1039765_0001171843-25-006791_exh_991.htm:0]** 
- Additionally, the distribution comprises a **€0.5 billion cash payment**, scheduled for **January 15, 2026**.  **[1039765_0001171843-25-006791_exh_991.htm:0]** 
- The distribution aims to converge ING's CET1 ratio towards its target of ~13%, with the CET1 ratio standing at **13.4% at the end of the third quarter of 2025**.  **[1039765_0001171843-25-006791_exh_991.htm:0]**

ING Completes Share Buyback and Announces New Distribution Programme

- ING Groep NV reported a **net result of €1,787 million** for Q3 2025.  **[1039765_0001171843-25-006789_exh_991.htm:1]** **[1039765_0001171843-25-006789_exh_991.htm:9]** 
- **Profit before tax** for Q3 2025 increased to **€2,560 million**.  **[1039765_0001171843-25-006789_exh_991.htm:1]** **[1039765_0001171843-25-006789_exh_991.htm:3]** 
- The **CET1 ratio** rose to **13.4%** at the end of Q3 2025.  **[1039765_0001171843-25-006789_exh_991.htm:1]** **[1039765_0001171843-25-006789_exh_991.htm:3]** 
- The company announced a **€1.6 billion distribution**, which includes a new **€1.1 billion share buyback program** and a **€500 million cash payment** to shareholders.  **[1039765_0001171843-25-006789_exh_991.htm:1]** **[1039765_0001171843-25-006789_exh_991.htm:11]** 
- ING also raised its **full-year 2025 total income outlook** to approximately **€22.8 billion** and revised its **return on equity forecast upward to over 12.5%**.  **[1039765_0001171843-25-006789_exh_991.htm:9]**

ING Groep NV Announces Strong Q3 2025 Results and Shareholder Distribution

- ING delivered a strong Q3 2025, adding nearly **200,000 mobile primary customers** and seeing **€8.6 billion** in retail net core lending growth, contributing to **€14.2 billion** in net core lending overall.  **[0000903847_2214536_1]** **[0000903847_2214536_3]** 
- The company raised its full-year 2025 outlook, now anticipating fee growth of **more than 10%**, total income of around **€22.8 billion**, and a Return on Equity (ROE) of **more than 12.5%**.  **[0000903847_2214536_2]** **[0000903847_2214536_5]** 
- ING announced an additional **€1.6 billion** distribution, including a **€1.1 billion** new share buyback and a **€500 million** cash dividend for January 2026, and revised its CET1 capital ratio target to around **13%**.  **[0000903847_2214536_2]** 
- Full-year 2025 commercial Net Interest Income (NII) is projected to be between **€15.2 billion and €15.3 billion**.  **[0000903847_2214536_3]** **[0000903847_2214536_7]**

ING Reports Strong Q3 2025 Results and Raises Full-Year Outlook

- ING Groep N.V. announced progress on its **€2.0 billion** share buyback programme, which was initially announced on **May 2, 2025**.  **[1039765_0001171843-25-006684_exh_991.htm:0]** 
- During the week of **October 20, 2025, up to and including October 24, 2025**, the company repurchased **4,091,000 shares** at an average price of **€20.57**, totaling **€84,161,220**.  **[1039765_0001171843-25-006684_exh_991.htm:0]** 
- As of **October 24, 2025**, a total of **100,595,891 shares** have been repurchased under this program for a total consideration of **€1,987,702,983.32**, completing approximately **99.39%** of the maximum total value.  **[1039765_0001171843-25-006684_exh_991.htm:0]**

ING Groep N.V. reports progress on share buyback program

- ING Groep N.V. announced that its **€2.0 billion share buyback programme**, initiated on May 2, 2025, is **95.18% complete** as of October 17, 2025.  **[1039765_0001171843-25-006544_exh_991.htm:0]** 
- To date, a total of **96,504,891 shares** have been repurchased at an average price of **€19.72**, for a total consideration of **€1,903,541,763.32**.  **[1039765_0001171843-25-006544_exh_991.htm:0]** 
- In the week of **October 13 to October 17, 2025**, **4,381,000 shares** were repurchased at an average price of **€20.91**, totaling **€91,614,268.60**.  **[1039765_0001171843-25-006544_exh_991.htm:0]**

ING Groep N.V. reports significant progress on share buyback program

- ING announced progress on its **€2.0 billion share buyback programme**, which was initially announced on **May 2, 2025**.  **[1039765_0001171843-25-006405_exh_991.htm:0]** 
- During the week of **October 6, 2025, up to and including October 10, 2025**, **4,239,000 shares** were repurchased at an average price of **€21.32**, for a total of **€90,367,787.70**.  **[1039765_0001171843-25-006405_exh_991.htm:0]** 
- To date, a total of **92,123,891 shares** have been repurchased under this program at an average price of **€19.67**, amounting to **€1,811,927,494.72**.  **[1039765_0001171843-25-006405_exh_991.htm:0]** 
- Approximately **90.60% of the maximum total value** of the share buyback programme has been completed, with the purpose of reducing share capital.  **[1039765_0001171843-25-006405_exh_991.htm:0]**

ING provides update on share buyback program

- ING announced progress on its **€2.0 billion share buyback programme**, which was initially announced on **2 May 2025**.  **[1039765_0001171843-25-006313_exh_991.htm:0]** 
- During the week of **29 September 2025 up to and including 3 October 2025**, ING repurchased **4,270,000 shares** at an average price of **€22.18**, totaling **€94,692,423.50**.  **[1039765_0001171843-25-006313_exh_991.htm:0]** 
- To date, a total of **87,884,891 shares** have been repurchased under this program for a total consideration of **€1,721,559,707.02**.  **[1039765_0001171843-25-006313_exh_991.htm:0]** 
- Approximately **86.08% of the maximum total value** of the share buyback programme has been completed as of **3 October 2025**.  **[1039765_0001171843-25-006313_exh_991.htm:0]**

ING reports progress on share buyback program

- ING repurchased **3,488,007 shares** during the week of **September 22-26, 2025**, at an average price of **€21.85**, for a total amount of **€76,219,267.92**.  **[1039765_0001171843-25-006161_exh_991.htm:0]** 
- The **€2.0 billion** share buyback programme, announced on **May 2, 2025**, has completed approximately **81.34%** of its maximum total value to date.  **[1039765_0001171843-25-006161_exh_991.htm:0]** 
- To date, ING has repurchased a total of **83,614,891 shares** under this program at an average price of **€19.46**, for a total consideration of **€1,626,867,283.52**.  **[1039765_0001171843-25-006161_exh_991.htm:0]**

ING GROEP (ING)