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 ...

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 05:00 AM ET Speaker2Thank 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 had good commercial and financial results in 2025. On the customer side, we grew our primary customers quite a bit, so we had over 1 million primary customers in 2025, with 350,000 in t ...

Despite a lower interest rate environment, ING’s commercial net interest income (NII) remained “very strong” at EUR 15.3 billion for 2025, according to Miltenburg. He attributed the performance to customer balance growth, disciplined repricing, and a “prudent deposit hedging strategy.”On sustainability activity, Miltenburg said total sustainable volume mobilized reached EUR 166 billion in 2025, a 28% increase from the prior year, and reiterated ING’s commitment to supporting client sustainability transition ...

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 03:00 AM ET Company ParticipantsBenjamin Goy - Managing DirectorBenoît Pétrarque - Head of Thematic Banking ResearchSeamus Murphy - Head of ResearchSteven van Rijswijk - CEOTanate Phutrakul - CFOConference Call ParticipantsAnke Reingen - Banks AnalystChris Hallam - Senior Equity AnalystCyril Toutounji - Equity AnalystDelphine Lee - Research AnalystFarquhar Murray - Senior AnalystGiulia Miotto - Equity AnalystJohan Ekblom - Research AnalystMatthew C ...

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 03:00 AM ET Company ParticipantsBenjamin Goy - Managing DirectorBenoît Pétrarque - Head of Thematic Banking ResearchSeamus Murphy - Head of ResearchSteven van Rijswijk - CEOTanate Phutrakul - CFOConference Call ParticipantsAnke Reingen - Banks AnalystChris Hallam - Senior Equity AnalystCyril Toutounji - Equity AnalystDelphine Lee - Research AnalystFarquhar Murray - Senior AnalystGiulia Miotto - Equity AnalystJohan Ekblom - Research AnalystMatthew C ...

ING Groep (NYSE:ING) Q4 2025 Earnings call January 29, 2026 03:00 AM ET Speaker0Good morning. This is Laura welcoming you to ING's 4Q 2025 conference call. Before handing this conference call over to Steven van Rijswijk, Chief Executive Officer 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, expectations for our future financial performance, and any statement not involving a historical fact. Actual ...

4Q2025 Execution of our strategy resulted in outstanding growth and strong value delivery 29 January 2026 Outstanding commercial growth in 2025 Mobile primary customers +352,000 in 4Q2025 +1.0 mln in 2025 Lending growth2) €20.4 bln in 4Q2025 +€56.9 bln in 2025 Deposits growth2) €9.5 bln in 4Q2025 +€38.1 bln in 2025 Return on equity 13.2% in 2025 Fee income €1,221 mln in 4Q2025 €4,602 mln in 2025 Sustainable volume mobilised3) €56 bln in 4Q2025 €166 bln in 2025 Customer growth Customer lending Customer depos ...

Group 1 - The bank anticipates growth driven by an increase in loan volume and higher income from fees and commissions [1] - The bank aims to diversify its income sources as central banks reduce interest rates [1]

International bank ING Groep beat quarterly profit expectations on Thursday, boosted by strong interest and fee income for the last three months of 2025. ...