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ING Groep (INGA) investor relations material
ING Groep Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Total income increased sequentially, with commercial NII nearly offsetting lower ECB rates and FX headwinds; fee income grew 12% year-over-year.
Strong commercial momentum in retail banking drove net core lending up €15.4bn, with retail contributing over €11bn.
Mobile primary customers increased by over 300,000 in the quarter, supporting digital growth targets.
Return on equity reached 12.7%, on track to meet or exceed 12.5% for 2025.
Commercial NII remained resilient, offsetting FX headwinds and lower ECB rates.
Financial highlights
Net core lending grew by €15.4 billion and net core deposits by €6.2 billion in 1H2025.
Fee income reached double-digit growth, with €1,122 million in 2Q2025 and wholesale banking fees at a quarterly record.
Risk costs were €299 million (17bps of average lending), below through-the-cycle average.
CET1 capital ratio stood at 13.3% at quarter-end, with strong capital generation offsetting share buybacks.
Operating expenses (excluding regulatory/incidental items) rose 4.5% year-over-year, with €116–118 million in restructuring costs.
Outlook and guidance
Fee income expected at the high end of 5–10% growth range for 2025, targeting €5bn by 2027.
Total expenses for 2025 now expected at the lower end of €12.5–12.7bn guidance.
ROE outlook for 2025 improved to around 12.5%.
CET1 ratio expected between 12.8–13.0% by year-end 2025.
Outlook excludes the impact of the intended sale of the Russian business, expected to have a €0.8bn post-tax loss.
Explain the impact of restructuring Wholesale Banking.
Assess Retail Banking's mortgage risk costs.
How does ING manage conflicting ESG laws?
Detail FX impact on Q2 NII and revenue.
When will wholesale loan demand change?
Explain drivers for Q4 NII improvement.
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Next ING Groep earnings date
Q3 202530 Oct, 2025
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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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