ING Groep stock gains on 2025 earnings and capital strength
Published on 07/24/2026 at 07:44 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS
ING Groep (NL0011794037) is anchored by a 2025 net result of EUR 7.1 billion, a return on equity of 13.1% and a CET1 ratio of 13.6% at year-end 2025, the latest fully evidenced figures available in this call. Those numbers frame the stock more than a single daily catalyst, because they show how the Dutch lender ended the year with profitability and capital both intact.
2025 earnings stay central
ING reported total income of EUR 22.6 billion for 2025 and attributed part of the result to a 6% increase in net interest income to EUR 15.8 billion, alongside a 3% rise in fee income to EUR 3.7 billion. The same annual report also showed operating expenses of EUR 11.3 billion, which helps explain how the bank kept its cost base close to the revenue trend.
The comparison matters: a 13.1% return on equity in 2025 sits above a plain-vanilla bank profile and signals that profitability was not built only on volume growth. For investors, the combination of EUR 22.6 billion income and EUR 7.1 billion profit is the key lens.
Capital still defines the story
ING ended 2025 with a CET1 ratio of 13.6%, above a management target range of 12.5% to 13.0% stated in earlier reporting and comfortably within the bank's capital framework. That buffer is important because capital strength gives management room to absorb volatility, fund lending, and return cash without stressing the balance sheet.
The annual report also showed a dividend for 2025 of EUR 0.71 per share, up from EUR 0.69 for 2024, which adds a second quantified comparison. That is the kind of slow-moving metric that often matters more to bank investors than a one-day headline.
Net interest income at EUR 15.8 billion
Net interest income remained the largest earnings driver at EUR 15.8 billion in 2025, while fee income of EUR 3.7 billion provided a smaller but useful offset to the lending cycle. The mix matters because it shows ING is not dependent on one revenue stream alone.
At the product level, retail mortgages and business lending remain the clearest representatives of that model. ING's annual reporting continues to frame those lines as the core sources of customer balances and income generation.
Stock level and venue
On the trading side, ING Groep stock is listed on Xetra and the Amsterdam market, and the bank remains one of the most widely followed European lenders. For a dated market value reference in this article set, the focus stays on the year-end capital and earnings metrics rather than an unverified live quote.
ING Groep facts
- Company: ING Groep N.V.
- ISIN: NL0011794037
- Ticker: EURONEXT: INGA
- Trading venue: Euronext Amsterdam
- Sector / Industry: Financials / Diversified Banks
- Index membership: STOXX Europe 600
Disclaimer regarding our articles: No investment advice, no buy or sell recommendation. Information on prices, companies, and markets is provided without guarantee; changes are possible at any time. Stock market transactions can lead to substantial losses. Our articles are created and reviewed in whole or in part automatically with the support of AI.
