Company Projects Strong Outlook for 2025 with Net Income of €6.3 Billion
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1d ago
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Reports Q4 CET1 capital ratio 13.1%. The company said, "In 2025, amid ongoing geopolitical uncertainty, we have consistently executed our strategy of accelerating growth, increasing impact and further diversifying our income by doing more business with more customers and clients," said Steven van Rijswijk. "We have delivered strong commercial growth while achieving EUR 23.0 billion in total income. This was supported by growth in our customer base and a 15% rise in fee income to EUR 4.6 billion. Commercial net interest income came in at EUR 15.3 billion. We also achieved strong volume growth, including EUR 56.9 billion in lending growth, more than double the amount of the previous year. Our net result was broadly stable at EUR 6.3 billion. Supported by strong commercial momentum and disciplined cost management, we present a strong outlook for 2026 and have upgraded our outlook for 2027."
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Analyst Views on ING
About ING
ING Groep N.V. (ING) is a financial institution. The Company offers banking services. The Company's segments include Retail Netherlands, which offers current and savings accounts, business lending, mortgages and other consumer lending in the Netherlands; Retail Belgium, which offers products that are similar to those in the Netherlands; Retail Germany, which offers current and savings accounts, mortgages and other customer lending; Retail Other, which offers products that are similar to those in the Netherlands, and Wholesale Banking, which offers wholesale banking activities (a full range of products from cash management to corporate finance), real estate and lease. The Company's Retail Banking business lines provide products and services to individuals, small and medium-sized enterprises (SMEs) and mid-corporates. ING's banking activities in Australia are undertaken by ING Bank (Australia) Limited (trading as ING Direct) and ING Bank NV Sydney Branch.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
ING Group Q4 2025 Earnings Highlights
- Earnings Growth: ING Group reported a Q4 2025 GAAP EPS of €0.48 with total income reaching €5.8 billion, reflecting a 7.2% year-over-year increase, indicating strong performance and profitability across all markets.
- Customer Expansion: The addition of 352,000 mobile primary customers in Q4 demonstrates the company's successful customer base expansion across all markets, enhancing its competitive edge and customer loyalty.
- Deposit Increase: Net core deposits grew by €9.5 billion in Q4 2025, showcasing customer trust and ING's success in attracting deposits, which further strengthens its funding base.
- Future Outlook: The company anticipates total income of around €24 billion in 2026 and over €25 billion in 2027, indicating robust growth potential and confidence in future performance.
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