Earnings summaries and quarterly performance for ING GROEP.
Research analysts who have asked questions during ING GROEP earnings calls.
AR
Anke Reingen
RBC
5 questions for ING
Also covers: BNPQY, CRARY, DB +2 more
Benjamin Goy
Deutsche Bank
5 questions for ING
Also covers: UBS
FM
Farquhar Murray
Autonomous
5 questions for ING
Also covers: AEG, NNGRY
TE
Tarik El Mejjad
Bank of America
5 questions for ING
Also covers: BNPQY, CRARY, DB
Benoit Petrarque
Kepler Cheuvreux
4 questions for ING
Also covers: AEG, NNGRY
Giulia Miotto
Morgan Stanley
4 questions for ING
Also covers: CRARY, DB, UBS
AP
Arne Petimezas
AFS Group
2 questions for ING
CH
Chris Hallam
Goldman Sachs Group Inc.
2 questions for ING
Also covers: ATMP, BCS, BNPQY +4 more
DL
Delphine Lee
JPMorgan Chase & Co.
2 questions for ING
Also covers: BNPQY, CRARY
HS
Hari Sivakumaran
Keefe, Bruyette & Woods
2 questions for ING
HM
Hugh Moorhead
Berenberg
2 questions for ING
JE
Johan Ekblom
UBS
2 questions for ING
KV
Kirishanthan Vijayarajah
HSBC
2 questions for ING
Also covers: BNPQY, CRARY
NS
Namita Samtani
Barclays
2 questions for ING
SM
Samuel Moran-Smyth
Barclays
2 questions for ING
Also covers: BNPQY, CRARY
Giulia Aurora Miotto
Morgan Stanley
1 question for ING
Also covers: BNPQY, CRARY, DB +1 more
JM
Jonathan Matthew Clark
Mediobanca
1 question for ING
Also covers: BNPQY, CRARY
JP
Juan Pablo López Cobo
Banco Santander
1 question for ING
MS
Marta Sánchez Romero
Citi
1 question for ING
Also covers: BBVA, CAIXY, SAN
MC
Matthew Clark
Piper Sandler
1 question for ING
Also covers: AVBH, BANC, BANR +24 more
Recent press releases and 8-K filings for ING.
ING announces progress on share buyback program
ING
Share Buyback
- ING announced progress on its €1.1 billion share buyback programme, which was initially announced on October 30, 2025.
- During the week of January 26 up to and including January 30, 2026, ING repurchased 2,606,377 shares at an average price of €24.76, totaling €64,545,806.61.
- To date, a total of 25,520,672 shares have been repurchased under the program at an average price of €23.23, for a total consideration of €592,900,930.89.
- Approximately 53.90% of the maximum total value of the share buyback programme has been completed as of February 3, 2026.
4 days ago
ING Reports Strong Q4 2025 Results and Provides 2026-2027 Outlook
ING
Earnings
Guidance Update
Debt Issuance
- ING reported strong financial results for 2025, including a 13.2% Return on Equity and over EUR 6.3 billion in net profit, supported by 15% fee income growth and EUR 15.3 billion in commercial Net Interest Income.
- The company demonstrated significant commercial momentum in 2025, adding over 1 million Mobile Primary Customers and achieving 8.3% loan book growth and 5.5% deposit book growth.
- For 2026, ING projects total income to reach around EUR 24 billion with fee income growing 5%-10%, and anticipates a Return on Tangible Equity (ROTE) of more than 14%, further increasing to more than 15% by 2027.
- The CET1 ratio stood at 13.1% after EUR 3.6 billion in additional distributions, and ING plans EUR 6 billion to EUR 8 billion in Holdco Senior and EUR 6 billion to EUR 8 billion in secured issuance for 2026.
Jan 29, 2026, 2:00 PM
ING Reports Strong Q4 2025 Results and Positive 2026/2027 Outlook
ING
Earnings
Guidance Update
Debt Issuance
- ING reported a 13.2% return on equity for 2025, exceeding guidance, with net profit over EUR 6.3 billion, driven by a record total income and strong commercial momentum including over 1 million new Mobile Primary Customers.
- The company's CET1 ratio decreased to 13.1% after an additional EUR 1.6 billion distribution, part of EUR 3.6 billion in total additional distributions, and proposed a final cash dividend of approximately 74 cents per ordinary share for 2025.
- For 2026, ING expects total income to reach around EUR 24 billion and projects ROTE to grow from 13.6% to over 14%, with total income exceeding EUR 25 billion and ROTE over 15% by 2027.
- ING plans to issue EUR 6 billion to EUR 8 billion of Holdco Senior and EUR 6 billion to EUR 8 billion in secured issuance in 2026, while amply meeting TLAC and MREL requirements with significant buffers.
Jan 29, 2026, 2:00 PM
ING Reports Strong 2025 Results and Provides Positive Outlook for 2026-2027
ING
Earnings
Guidance Update
Debt Issuance
- ING achieved a 13.2% return on equity for 2025, surpassing its initial guidance, driven by robust commercial growth including 8.3% loan book growth and 5.5% deposit book growth, alongside a 15% increase in fee income.
- The company generated EUR 6.3 billion in net profit for 2025, significantly contributing to its capital, with the CET1 ratio standing at 13.1% in Q4 2025 after additional distributions.
- For 2026, ING projects total income to reach around EUR 24 billion and expects its return on tangible equity (ROTE) to grow to more than 14%, with total operating expenses anticipated to be between EUR 12.6 billion and EUR 12.8 billion.
- Looking ahead to 2027, total income is expected to exceed EUR 25 billion, with fee income surpassing EUR 5 billion, and ROTE projected to be more than 15%.
- In 2026, ING plans to issue between EUR 6 billion and EUR 8 billion of Holdco Senior and between EUR 6 billion and EUR 8 billion of secured issuance.
Jan 29, 2026, 2:00 PM
ING Groep NV Announces Full-Year 2025 Results and 2026/2027 Outlook
ING
Earnings
Guidance Update
Dividends
- ING Groep NV reported a full-year 2025 net result of €6,327 million and a return on equity of 13.2%.
- Total income for FY2025 increased to €23.0 billion, driven by a 15% rise in fee income to €4.6 billion.
- The company achieved net core lending growth of €57 billion (8%) and net core deposits growth of €38 billion (6%) in 2025, with a CET1 ratio of 13.1%.
- ING provided a strong outlook for 2026, expecting total income of around €24 billion and a Return on Tangible Equity (ROTE) of >14%, with an upgraded outlook of >15% for 2027.
- A final dividend of €0.736 per share for 2025 has been proposed, contributing to a total cash dividend of €3.2 billion for the year, alongside a €1.1 billion share buyback program.
Jan 29, 2026, 11:05 AM
ING Reports Strong Q4 and Full-Year 2025 Financial and Commercial Growth
ING
Earnings
New Projects/Investments
Revenue Acceleration/Inflection
- ING reported strong financial results for 2025, including a net profit of EUR 6.3 billion, a return on equity of 13.2%, and a capital ratio of 30.1%.
- The company experienced significant commercial growth in 2025, adding over 1 million primary customers (with 350,000 in Q4) , and achieving an 8% growth in its lending book (EUR 57 billion) and 6% growth in deposits (EUR 38 billion).
- Fee income grew by 15% to EUR 4.6 billion in 2025 , while the asset management and e-brokerage segment increased by 60% to EUR 278 billion compared to 2024.
- ING's sustainable finance efforts expanded, with mobilized volumes rising from EUR 140 billion to EUR 166 billion in 2025, and its renewable energy portfolio growing to EUR 9 billion, exceeding the EUR 7.5 billion target. The company also initiated a Significant Risk Transfer (SRT) strategy, which released 12 basis points and 0.2% on CET1 in 2025, with an anticipated 15-20 basis points release in 2026.
Jan 29, 2026, 10:00 AM
ING Reports Strong 2025 Financial and Commercial Results
ING
Earnings
New Projects/Investments
- ING reported a net profit of EUR 6.3 billion and a return on equity of 13.2% for 2025, with a capital ratio of 30.1%.
- The company significantly grew its primary customers by over 1 million in 2025, including 350,000 in the fourth quarter.
- The lending book expanded by EUR 57 billion (8%) and deposits grew by EUR 38 billion (6%) in 2025, while asset management and e-brokerage increased by 60% to EUR 278 billion.
- Fee income saw a 15% growth, reaching EUR 4.6 billion, though full-year expenses were 4% higher.
Jan 29, 2026, 10:00 AM
ING Reports Strong 2025 Financial and Commercial Results
ING
Earnings
New Projects/Investments
Guidance Update
- ING reported strong commercial and financial results for 2025, achieving a net profit of EUR 6.3 billion, a return on equity of 13.2%, and a capital ratio of 30.1%.
- The company significantly expanded its customer base, adding over 1 million primary customers in 2025, and saw its lending book grow by 8% (EUR 57 billion) and deposits by 6% (EUR 38 billion).
- Fee income increased by 15% to EUR 4.6 billion, while assets in asset management and e-brokerage surged by 60% to EUR 278 billion compared to 2024.
- ING's Significant Risk Transfer (SRT) strategy contributed a 0.2% CET1 release (12 basis points) in 2025, with an anticipated 0.15%-0.20% release in 2026.
- The bank is also rapidly increasing its defense exposure, which now stands at at least EUR 2 billion from a near-zero base, with 40 to 50 projects in the pipeline.
Jan 29, 2026, 10:00 AM
ING Reports Strong Q4 2025 Results and Upgrades 2027 Outlook
ING
Earnings
Guidance Update
CFO Change
- ING reported strong commercial growth in Q4 2025, adding over 1 million mobile primary customers for the year and achieving 8.3% loan growth, with fee income growing 15% for the full year.
- The company's Return on Equity for 2025 was 13.2%, exceeding guidance. ING provided an upgraded outlook for 2027, expecting total income to exceed EUR 25 billion and a Return on Equity of 15%, alongside a 2026 outlook for total income of around EUR 24 billion and ROE of 14%.
- ING maintains a focus on cost discipline and operational efficiency, leveraging Gen AI, and aims for a CET1 capital ratio of around 13% while committing to a 50% payout policy for shareholder returns.
- Ida Lerner has been appointed as the new CFO, succeeding Tanate Phutrakul, who was CFO until the AGM in April 2025.
Jan 29, 2026, 8:00 AM
ING Reports Strong Q4 2025 Results and Upgrades 2026-2027 Outlook
ING
Earnings
Guidance Update
CFO Change
- ING reported a strong Q4 and full year 2025, achieving a record total income for the third consecutive year and a Return on Equity of 13.2% for 2025.
- The company provided an upgraded outlook, projecting total income of around EUR 24 billion for 2026 and to exceed EUR 25 billion in 2027.
- For 2026, ING expects a Return on Equity of 14% and a Return on Tangible Equity higher than 14%, with these figures increasing to 15% and more than 15% respectively in 2027.
- Total operating expenses (excluding incidentals) are projected to be between EUR 12.6 billion and EUR 12.8 billion for 2026 and around EUR 13 billion for 2027, reflecting continued cost discipline.
- CFO Tanate Phutrakul will depart after the AGM in April 2026, with Ida Lerner mentioned as the new CFO.
Jan 29, 2026, 8:00 AM
Quarterly earnings call transcripts for ING GROEP.
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