3Q25 Earnings October 30, 2025 3Q25 EARNINGS Disclaimer This document is only provided for information purposes and is not intended to provide financial advice and, therefore, does not constitute, nor should it be interpreted as, an offer to sell, exchange or acquire, or an invitation for offers to acquire securities issued by any of the aforementioned companies, or to contract any financial product. Any decision to purchase or invest in securities or contract any financial product must be made solely and e ...

Core Insights - ING reported a net result of €1,787 million for Q3 2025, with significant growth in fee income and customer lending [1] - The profit before tax increased to €2,560 million quarter-on-quarter, and the CET1 ratio rose to 13.4% [1] Retail Banking - The mobile primary customer base grew by nearly 200,000 in Q3 2025, totaling 1.1 million or 8% year-on-year, aligning with the target of 1 million new customers annually [2] - Retail lending increased by €8.6 billion, primarily in mortgages, while retail fee income rose by 14% year-on-year, driven by investment products [2] - Deposits decreased due to seasonal impacts and the conclusion of successful campaigns in Germany and Belgium, with some funds shifting to investment products [2] Wholesale Banking - Corporate loan demand increased, leading to lending growth of €5.7 billion and a 19% rise in fee income year-on-year [3] - Financial Markets income improved, and Trade Finance Services and Working Capital Solutions performed well [3] - Deposits grew by €7 billion, reflecting increased volumes in Payments & Cash Management and Financial Markets [3] Sustainability Efforts - ING's Climate Update highlighted a 29% year-on-year increase in sustainable volume mobilized, reaching €110 billion in the first nine months of 2025 [4] - The company aims to support clients in their transition to a low-carbon economy [4] Financial Management - Year-on-year expenses increased due to wage inflation and investments in business growth, but decreased compared to Q2 2025 due to lower restructuring costs [5] - The CET1 capital ratio target was adjusted to approximately 13% to meet higher expected capital requirements [6] - A distribution of €1.6 billion was announced following the completion of a share buyback program [6] Overall Performance - The company expressed satisfaction with the strong results, indicating continued growth and customer trust [7] - Operating expenses remained controlled, and risk costs stayed below the through-the-cycle average, reflecting high asset quality [7]

Regulatory Priorities - ESMA Chair Verena Ross discussed the organization's priorities and expanding responsibilities [1] - Focus areas include SIU (Supervisory Convergence, Investment Management and Innovation), fund markets, cyber resilience, Sustainable Finance EU, and innovation in finance [1]

As ASEAN's economic integration accelerates, opportunities for high returns are emerging across key sectors - including digital transformation, sustainable finance, and cross-border trade - says Chu Kok Wei, CEO of Group Wholesale Banking and Corporate Treasurer. ...

Core Insights - Credit Blockchain has launched its AI Computing Engine aimed at providing stable outcomes for cryptocurrency users amid market volatility [3][4] - The AI Computing Engine utilizes machine learning for performance optimization and predictive analytics, enhancing profitability and energy efficiency [5][6] Company Overview - Credit Blockchain is a fintech innovator focusing on AI-based computing optimization and decentralized digital asset management [9] - The company aims to merge artificial intelligence, decentralized computing, and sustainable energy innovation to redefine digital finance [9] Product Features - The AI Computing Engine offers predictive resource allocation, energy optimization, autonomous daily settlements, and a transparent performance dashboard [6] - New users can access the platform with a $15 trial credit and participate using popular cryptocurrencies without needing technical expertise [6] Sustainability Initiatives - Credit Blockchain is forming global partnerships with data centers and renewable energy providers to enhance sustainability in blockchain operations [7] - The company emphasizes ethical computing practices alongside profit scaling, aiming for a responsible computing ecosystem [8] Future Developments - The AI Computing Engine is expected to play a significant role in stabilizing returns and fostering trust in decentralized markets as AI adoption grows in the blockchain sector [8]

Core Insights - Diginex Limited has completed the acquisition of Matter DK ApS, enhancing its capabilities in ESG data and analytics [1][3][4] - The acquisition is valued at $13 million, paid through the issuance of Diginex shares, with adjustments made due to a prior bonus share issuance [2] - The combined offerings will support financial institutions and corporations in sustainable investment decisions by streamlining data collection and enhancing reporting accuracy [3][4] Company Overview - Diginex is a leading provider of Sustainability RegTech, utilizing blockchain, AI, and machine learning to improve corporate regulatory reporting and sustainable finance [6] - The diginexESG platform supports over 19 global standards, including GRI, SASB, and TCFD, providing comprehensive ESG solutions [7] Acquisition Details - The acquisition was formalized through a definitive agreement and an addendum, with 1,241,496 shares issued as consideration, adjusted to $10.47 per share [2] - Matter's management team will continue to operate the business, ensuring continuity and innovation post-acquisition [4] Strategic Implications - The acquisition positions Diginex to lead in transparent, data-driven sustainability, combining Matter's expertise with Diginex's technology [4] - Nasdaq remains a stakeholder in the new business structure, indicating ongoing strategic partnerships [4]

人事变动 - 德意志银行固定收益部门的 ESG 和可持续金融全球主管离职 [1] - 德意志银行设立了一个具有更广泛关注点的新职位 [1]

Group 1 - Societe Generale SFH has filed its half-year financial report for the period ending June 30, 2025, with the French Financial Markets Authority on September 30, 2025 [1] - The financial report is available to the public in French and can be accessed on the Societe Generale group's website and the AMF's website [2] - Societe Generale SFH is a specialized credit institution established under French law, authorized to operate as a Société de Financement de l'Habitat since March 28, 2011 [3] Group 2 - Societe Generale is a leading European bank with approximately 119,000 employees serving over 26 million clients in 62 countries [4] - The bank has a long history of 160 years, providing a wide range of advisory and financial solutions to corporate, institutional, and individual clients [4] - The Group is committed to sustainability and is included in major socially responsible investment indices, reflecting its dedication to environmental transition and sustainable practices [5] Group 3 - The Group operates three complementary business segments, including French Retail, Private Banking and Insurance, Global Banking and Investor Solutions, and Mobility, International Retail Banking and Financial Services [8]

CNBC's change makers, our annual list of women transforming business. It's now accepting nominations for the 2026 list. And this year, you can hear directly from these power players in a new podcast. Julia Borston is here with that story. Good morning. >> Good morning to you, Andrew. That's right. Starting today, you can submit nominations for our our upcoming changemakers list of women transforming business and philanthropy. And we're launching our new podcast called Changemakers and Power Players. Droppin ...

Core Viewpoint - Diginex Limited and SGS have reaffirmed their strategic alliance to enhance sustainable finance solutions, focusing on ESG requirements and innovative technology-driven services [1][2][3]. Group 1: Strategic Alliance Details - The renewed alliance builds on the initial agreement from 2022, which provided ESG data assurance services, and aims to address the increasing demand for transparent and scalable sustainable finance frameworks [2][3]. - The collaboration combines Diginex's ESG data management platforms with SGS's expertise in assurance, verification, and certification, enhancing tools and services for financial institutions and corporations [2][3]. Group 2: Key Highlights - The alliance aims to support clients in navigating sustainable finance complexities, enhancing the credibility of sustainability reporting, and accelerating efforts towards global climate and social objectives [3]. - Diginex's blockchain-enabled technology and SGS's assurance methodologies will provide transparency and reliability in ESG data, facilitating better decision-making for sustainable investments [6]. Group 3: Solutions and Services - The strategic alliance will develop tailored tools for financial institutions to integrate ESG metrics into their strategies, ensuring compliance with frameworks like the EU Taxonomy and SFDR [6]. - The collaboration will prioritize solutions that assist organizations in achieving net-zero targets, including carbon footprint assessments and sustainability reporting [6]. Group 4: Company Background - Diginex Limited is a sustainable RegTech business that utilizes blockchain, AI, and data analysis to enhance transparency in corporate regulatory reporting and sustainable finance [4]. - The diginexESG platform supports 19 global frameworks, providing end-to-end support for sustainability data management and reporting [5]. Group 5: SGS Overview - SGS is the world's leading testing, inspection, and certification company, operating over 2,500 laboratories across 115 countries, with a commitment to quality and sustainability [8].