（文章来源：新华财经） 荷兰国际银行表示，美国密歇根大学2月消费者信心指数初值将于日内公布，若该数据意外下滑，可能 对美元构成轻微利空。 ...

As previously reported, Deutsche Bank upgraded ING Groep (ING) to Buy from Hold with a price target of EUR 28, up from EUR 25. The firm, which says it likes European banks with exposure to above average volume growth and fee income exposure, notes that it raised its ING forecasts “meaningfully” following good results that included net interest income and fee beats as well as cost control. Published first on TheFly – the ultimate source for real-time, market-moving breaking financial news. Try Now>> See I ...

总而言之，德国市场的这一突破是加密金融发展的必然结果。RYOEX表示，合规渠道的拓宽不仅能够 保护投资者利益，还将进一步推动数字经济与实体经济的深度整合。 新浪合作大平台期货开户 安全快捷有保障 责任编辑：陈平 2月3日，随着传统银行体系与数字资产的深度融合，德国最大的零售银行 ING 宣布允许客户直接通过 其证券账户购买比特币、以太坊及 Solana 的 ETP 产品。这一举措标志着加密货币交易已正式步入主流 合规渠道。RYOEX表示，这种将数字资产嵌入日常银行账户的做法，极大地简化了投资流程，使普通 用户无需应对私钥管理等技术难题，即可享受知名发行商提供的实物支撑敞口。 事实上，这种金融工具的普及正契合了欧洲市场不断增长的需求。数据显示，德国零售加密货币的采用 率在 2025 年已达到 9%，虽然与美国的 12% 仍有差距，但在大型金融机构入场后，增长潜力不可小 觑。RYOEX认为，由于这些产品在德国享受与直接持有代币相同的税务减免——即持有一年以上免征 资本利得税，其作为长期储蓄工具的吸引力显著增强。 针对此次银行业巨头的动作，通过证券化方式引入加密敞口，能有效降低投资者对资产安全的焦虑。当 加密资产与 ...

European banks are enjoying their best run in years. Thanks to a steeper yield curve, resilient credit quality, healthy earnings, and attractive capital returns, sentiment has shifted massively in their favor, lifting the sector to levels that were unthinkable notI like to take a long term, buy-and-hold approach to investing, with a bias toward stocks that can sustainably post high quality earnings. Mostly found in the dividend and income section. Blog about various US/Canadian stocks at 'The Compound Inves ...

Group 1 - European banks are experiencing their best performance in years, driven by a steeper yield curve, resilient credit quality, healthy earnings, and attractive capital returns [1] - The sentiment towards the banking sector has shifted significantly, leading to valuations that were previously considered unthinkable [1]

Financial Data and Key Metrics Changes - The return on equity for 2025 was 13.2%, exceeding initial guidance [5] - Total income reached a record level for the third consecutive year, with commercial net interest income (NII) at EUR 15.3 billion despite lower interest rates [5][6] - Net profit for the year was over EUR 6.3 billion, contributing almost two percentage points to the CET1 ratio [7] Business Line Data and Key Metrics Changes - The loan book grew by 8.3% in 2025, primarily driven by residential mortgages, while the deposit book increased by 5.5% [4] - Fee income grew by 15% year-on-year, with investment products seeing a 21% increase in fee income [5][6] - The number of Mobile Primary Customers increased by over 350,000 in Q4, totaling over 1 million for the year [4] Market Data and Key Metrics Changes - Customer deposit growth was 4.5% in 2025, supported by successful promotional campaigns [19] - The company maintained its number one position in retail banking in 5 out of 10 markets and ranked in the top three in all markets [7] Company Strategy and Development Direction - The company aims for total income to grow to around EUR 24 billion in 2026, supported by continued volume growth and a 5%-10% increase in fee income [9] - A focus on cost discipline and operational efficiency is evident, with projected operating expenses for 2026 in the range of EUR 12.6 billion to EUR 12.8 billion [9] - The company plans to issue between EUR 6 billion and EUR 8 billion of Holdco Senior in 2026, aligning with its issuance in 2025 [16] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the strength and quality of the loan book, with total risk costs in line with the through-the-cycle average [11] - The company remains committed to supporting clients in their sustainability transitions, with total sustainable volume mobilized reaching EUR 166 billion, a 28% increase year-on-year [5] - The outlook for 2027 includes expectations for total income to exceed EUR 25 billion, with a higher fee income target now expected to exceed EUR 5 billion [9] Other Important Information - The CET1 ratio decreased to 13.1% due to an additional distribution of EUR 1.6 billion [14] - The company has a stable liquidity profile, with over two-thirds of the balance sheet funded by customer deposits [19] Q&A Session Summary Question: Plans for tapping the ECB, MROs, and LTROs - Management stated that the company prefers to be self-sufficient and does not want to rely on central bank operations, but may consider them for economic reasons if necessary [25][26]

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 09:00 AM ET Company ParticipantsJaap Kes - Group TreasurerSjoerd Miltenburg - Head of Investor RelationsConference Call ParticipantsArne Petimezas - AnalystOperatorGood afternoon. This is Laura, welcoming you to ING's 4Q 2025 fixed income call. Before handing this conference call over to Jaap Kes, Group Treasurer of ING Group, let me first say that today's comments may include forward-looking statements, such as statements regarding future developm ...

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 09:00 AM ET Speaker2Good afternoon. This is Laura, welcoming you to ING's 4Q 2025 fixed income call. Before handing this conference call over to Jaap Kes, Group Treasurer of ING Group, let me first say that today's comments may include forward-looking statements, such as statements regarding future developments in our business, expectation for our future financial performance, and any statement not involving a historical fact. Actual results may di ...

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 05:00 AM ET Company ParticipantsReginald Watson - Head of Investor RelationsSteven van Rijswijk - CEOConference Call ParticipantsMark Schwartzenburg - AnalystNone - AnalystNone - AnalystSteven van RijswijkThank you very much for people on the call as well. I believe you're in listening only, Mark, and we have people here in the room as well from the media here in the Netherlands. I'll say a few words upfront, and then we'll just go into Q&A. So we ...

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 05:00 AM ET Company ParticipantsReginald Watson - Head of Investor RelationsSteven van Rijswijk - CEOConference Call ParticipantsMark Schwartzenburg - AnalystNone - AnalystNone - AnalystSteven van RijswijkThank you very much for people on the call as well. I believe you're in listening only, Mark, and we have people here in the room as well from the media here in the Netherlands. I'll say a few words upfront, and then we'll just go into Q&A. So we ...