ING Groep N.V. Earnings Recaps
Q3 2025
Oct 31, 2025
ING Groep reported a robust performance in Q3 2025, marked by strong growth in customer base and lending, alongside upward revisions to key financial metrics.
Key takeaways
- Added nearly 200,000 mobile primary customers this quarter, exceeding the annual target of 1 million.
- Net core lending in retail grew by €8.6 billion, driven by residential mortgages, while wholesale banking saw significant demand in trade finance.
- Year-to-date fee income surged by 12%, prompting an upward revision of the full-year growth outlook to over 10%.
- CET1 ratio target raised to approximately 13%, providing a buffer above regulatory thresholds and supporting capital returns.
- Announced a new €1.1 billion share buyback program and a cash dividend of €500 million, reflecting a commitment to shareholder returns.