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ING Groep (INGA) investor relations material
ING Groep Goldman Sachs 30th Annual European Financials Conference 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Leadership and strategic vision
New CFO emphasizes technology-driven culture and integration of tech with business for customer value creation.
Focus on scalability and leveraging European market growth opportunities.
Open, transparent, and non-hierarchical culture supports innovation and adaptability.
Financial performance and outlook
Strong Q1 with growth in retail mortgage lending, deposits, and wholesale lending at stable risk-weighted assets.
Cost growth limited to 1.1% year-over-year, reflecting successful efficiency measures.
Liability margin expected to remain in the 100–110 bps range for 2024, with potential to exceed 110 bps by 2027–2028.
Growth strategy and product development
Targeting 5% annual growth in both loans and deposits to maintain a balanced loan-to-deposit ratio.
Shift from broad to targeted campaigns, improving cost efficiency and customer retention.
Emphasis on cross-selling and expanding product offerings, especially in underpenetrated markets like Germany.
- Net profit up 6.9% to €1,556m, with strong lending, fee growth, and a €1.0bn buyback.INGA
Q1 20261 May 2026 - Strong 1Q26 profit, digital growth, and sustainability leadership drive global performance.INGA
Corporate presentation30 Apr 2026 - Strong results, strategic growth, and all proposals adopted amid focus on sustainability and risk.INGA
AGM 202628 Apr 2026 - Record income and €6.3bn net result in 2025, with strong growth and a 13.1% CET1 ratio.INGA
Q4 202513 Apr 2026 - AI-driven operational excellence delivers cost savings, scalability, and accelerated growth.INGA
Morgan Stanley European Financials Conference 202618 Mar 2026 - Strong results, strategic sustainability focus, and all major proposals approved by shareholders.INGA
AGM 20253 Feb 2026 - Record income and €6.3bn net result in 2025, with strong growth and a 13.1% CET1 ratio.INGA
Q4 2025 Fixed Income3 Feb 2026 - Net result reached €6.3 billion, with robust lending, fee growth, and a 13.1% CET1 ratio.INGA
Q4 2025 (Media)3 Feb 2026 - Targets 14% ROE, €5B fee income, and €150B sustainable finance by 2027, led by digital and ESG focus.INGA
CMD 20243 Feb 2026
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