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ING Groep (INGA) investor relations material
ING Groep Q4 2025 Fixed Income earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 Fixed Income earnings summary29 Jan, 2026
Executive summary
Achieved record total income for the third consecutive year, driven by strong commercial net interest income and fee growth, with over 1 million new mobile primary customers in 2025.
Net result for FY2025 reached €6,327 million, with return on equity of 13.2% and profit before tax of €9,148 million.
Maintained strong profitability, returning over €7 billion to shareholders in 2025 through dividends and buybacks.
Operational efficiency gains offset business growth investments, supporting a stable cost base.
Sustainable finance volumes mobilized increased 28% year-over-year to €166 billion.
Financial highlights
Total income reached €23.0 billion in 2025, with fee income up 15% to €4.6 billion and commercial net interest income at €14.7 billion.
Net profit for 2025 was €6.3 billion, and return on equity reached 13.2%.
Deposit book grew by 6%, and loan book by 8%, mainly from residential mortgages and corporate lending.
Announced additional distributions totaling €3.6 billion, with a final cash dividend of €0.736 per share for 2025.
Cost/income ratio for 2025 was 54.6%, and loan-to-deposit ratio stood at 1.00.
Outlook and guidance
Total income expected to reach €24 billion in 2026 and exceed €25 billion in 2027, with fee income projected to grow 5%-10% and surpass €5 billion in 2027.
Operating expenses (excluding incidentals) forecasted at €12.6-12.8 billion in 2026 and around €13 billion in 2027.
Return on tangible equity (ROTE) expected to rise from 13.6% in 2026 to over 15% by 2027.
CET1 capital ratio guidance maintained at around 13% through 2027.
Outlook excludes the impact of the intended sale of the Russian business, expected to have a €0.8 billion post-tax loss.
Clarify par call policy for upcoming Tier 2
How does RWA consumption impact capital generation
Rationale for potential ECB MRO/LTRO utilization
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Next ING Groep earnings date
Q1 202630 Apr, 2026
ING Groep
Next ING Groep earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
A Dutch Banking Powerhouse
Internationale Nederlanden Groep, more often than not referred to as ING, is a prominent financial institution based in the Netherlands with a wide-ranging presence globally. The current form of ING came to be in 1991 through the merger of Nationale-Nederlanden and NMB Postbank Group. Since then the company has grown and evolved and now provides a range of services, including retail and commercial banking, insurance, and asset management. The company operates in around 40 countries, serving millions of customers, businesses, and institutions.
A Merger That Paved the Way
The birth of ING Group was the result of a merger between two prominent Dutch companies in the early 90s Nationale-Nederlanden was an insurance company, and NMB Postbank was a large bank originally owned by the Dutch state, which was privatized in 1986. This merger of competencies created a solid foundation for the ING Group to emerge as a universal banking and insurance provider.
Banking and Insurance Services
The services provided by ING Group span different aspects of the financial sector. On the retail banking side, ING is known for its direct banking model, providing customers with traditional banking services as well as an extensive online banking package. These services include checking and savings accounts, mortgages, and personal loans.
ING Group's presence in the financial sector isn't limited to banking services. The company also offers a variety of insurance products as part of its comprehensive service portfolio. These insurance services cater to diverse customer needs, providing coverage for various life events and situations. Customers can select from life and non-life insurance products, including home insurance, health insurance, and car insurance.
Expansion Across Dutch Borders
ING is a company firmly planted on Dutch soil but has in the years after its inception grown outside of the country's borders. After its formation, ING Group quickly expanded its footprint outside the Dutch market through several strategic acquisitions in the 1990s and early 2000s, including Belgium's BBL and Poland's Bank Śląski. Today, the company is one of the most important in the European Banking sector and competes with names such as Deutsche Bank, BNP Paribas, and Barclays.
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