Tax refunds are expected to be huge this year, so many Americans may want to know the fastest way to get their hands on theirs is by free, electronic direct deposit. Every year, tax refunds mark the biggest payday of the year for millions of Americans. Typically, 75% of Americans receive refunds each year. The average refund in 2025 was $2,939, IRS data showed. This year, refunds could be as much as 30% more due to new provisions from President Donald Trump's mega tax and spending bill, according to James ...

热点栏目 自选股 数据中心 行情中心 资金流向 模拟交易 客户端 文章来源：金十数据 据ING商品战略分析师曼西（Ewa Manthey）称，尽管贵金属近期经历了十多年来最剧烈的回调之一， 但上周末金银市场的剧烈抛售不是趋势逆转的反映。 她表示："虽然短期内波动可能持续，但我们将近期的波动视为由仓位驱动的重启，而非基本面的转折 点。" 曼西表示，此次贵金属的抛售在速度和幅度上都是史无前例的。她提到："上周五，黄金经历了自2013 年以来最惨重的单日跌幅，而白银则创下了有记录以来的最大单日跌幅。" 她补充道："此次抛售发生在一场非同寻常的、持续3个月的暴涨之后。期间金价从每盎司4000美元飙升 至5500美元以上，银价则从约50美元跳涨至接近120美元。这一走势在很大程度上是受投机性买盘浪潮 推动的，从散户交易者到转向大宗商品的大型股票基金，资金的持续流入将价格推向了极端水平，随后 便出现了上周的突然反转。" 曼西指出，特朗普宣布提名沃什（Kevin Warsh）为下一任美联储主席，是导致上周五行情反转的短期 催化剂。她写道："沃什被视为立场最强硬的候选人，这促使美元大幅走高，并引发了此前博弈美元走 弱的投资者 ...

Management Changes - Ljiljana Čortan will be appointed head of ING Wholesale Banking, effective 24 February 2026, succeeding Andrew Bester [1][2] - Andrew Bester will step down from the Management Board Banking on the same date after completing the handover of Wholesale Banking activities [2] - The appointment of Ljiljana Čortan has been approved by the European Central Bank [4] Leadership Transition - Steven van Rijswijk, ING's CEO, expressed gratitude for Andrew Bester's contributions over the last five years, highlighting the strengthening of the wholesale bank's foundations [2] - Ljiljana Čortan will leave her position as chief risk officer (CRO) on 24 February 2026, with a selection process for a new CRO currently underway [2] - Until a new CRO is appointed, the chief financial officer will temporarily assume responsibility for risk management on the Executive Board [2] Risk Management - Andrea Cesaroni, currently head of Integrated Risk, will perform day-to-day risk management activities in the interim role of head of risk, reporting to the CFO [2][3] - Andrea Cesaroni has over 25 years of experience in financial services and risk management, having joined ING in July 2022 [3]

Core Insights - BBVA, Spain's second-largest bank, has joined the Qivalis consortium, expanding the European stablecoin project to twelve member banks [1] - The consortium aims to create a credible euro alternative to the US-dominated stablecoin market, particularly Tether and Circle, which control $256 billion in market value [2] - Qivalis is awaiting approval from the Dutch central bank to operate as an electronic money institution, with a commercial launch expected in the second half of 2025 [3] Company Developments - Alicia Pertusa, head of partnerships and innovation at BBVA's corporate and investment banking arm, emphasized the importance of collaboration among banks to establish common standards for financial innovation [4] - BBVA has a history of exploring digital assets, having pioneered corporate loans using blockchain technology in 2018 and offering custody and trading services for cryptocurrencies since 2021 [5] - The stablecoin is designed to facilitate cross-border payments and settlements for tokenized assets in Euros, enhancing the speed of international transactions for businesses and freelancers [6] Industry Context - The ability of European banks to compete with established US players remains uncertain, with concerns about potential delays in the Digital Euro affecting Europe's monetary independence [7]

Spain's second-largest bank BBVA (with $800 billion in assets) joins the Qivalis group, which now includes 12 major EU banks (including BNP Paribas, ING, and UniCredit), aiming to launch a regulated euro stablecoin to challenge dollar stablecoin dominance. Qivalis is applying to the Dutch central bank for electronic money institution authorization under the MiCA framework, with the token planned for launch in the second half of 2026. https://t.co/j1EZsog5hF ...

ING opens retail access to Bitcoin, Ethereum, Solana ETPs in Germany https://t.co/UWE6vsvhGn ...

🇩🇪 BIG: ING, one of Germany's largest retail brokerages, has rolled out access to crypto ETPs including Bitcoin. https://t.co/l6mCRSv0VR ...

JUST IN: One of Germany's largest retail brokerages ING now allows clients to buy Bitcoin ETPs 🇩🇪 https://t.co/HSTEgoijsw ...

ING reports quarterly profit that beat estimates and also lifts profitability guidance for 2027 https://t.co/2HlNrGWADY ...

Core Insights - ING reported a full-year net result of €6,327 million for FY2025, driven by growth in customer balances and fee income [1] - The full-year profit before tax was €9,148 million, with a return on equity of 13.2% [1] - The fourth quarter profit before tax reached €2,095 million, marking an 18% increase year-on-year [1] Financial Performance - Total income for FY2025 was €23.0 billion, supported by a 15% rise in fee income to €4.6 billion and commercial net interest income of €15.3 billion [2] - Lending growth was significant, with €56.9 billion in total lending, more than double the previous year's amount [2] - Operating expenses remained stable year-on-year, reflecting cost discipline while investing in growth [1][6] Retail Banking Highlights - The mobile primary customer base increased by over 1 million to 15.4 million, contributing to a total customer base of nearly 41 million [3][5] - Lending in Retail Banking rose by €38.6 billion, primarily from €28.5 billion in mortgage growth and €6.6 billion in Business Banking [3] - Deposits increased by €30.1 billion, indicating strong customer trust [3] Wholesale Banking Highlights - Lending volumes in Wholesale Banking grew by €18.3 billion, driven by demand in corporate lending and Working Capital Solutions [4] - Deposits in Wholesale Banking increased by €8.0 billion, mainly in cash pooling and Financial Markets [4] - Fee income in Wholesale Banking rose by 9%, reflecting ongoing investment in expanding capabilities [4] Future Outlook - The company has a strong outlook for 2026 and has upgraded its outlook for 2027, with a return on tangible equity (ROTE) forecasted to exceed 14% for 2026 and 15% for 2027 [5][8] - The CET1 ratio stood at 13.1%, and a proposed final dividend of €0.736 per share was announced [5] - Sustainable volume mobilized reached €166 billion for the full year, a 28% increase year-on-year, highlighting the company's commitment to sustainability [7]