ING Groep stock holds focus as investors await the next update

ING Groep (NL0011794037) stock stays in view as the Dutch lender's published 2025 results showed EUR 24.6 billion in total income, EUR 13.4 billion in operating expenses, and a reported return on equity of 12.6% for the year. The latest investor-relations page remains the company hub for current reporting and presentation material. ING Investor Relations

EUR 24.6 billion revenue base

ING said full-year 2025 total income reached EUR 24.6 billion, up from EUR 24.0 billion in 2024, while operating expenses were EUR 13.4 billion, compared with EUR 12.8 billion a year earlier. That combination left the group with a reported cost-income ratio of 54.7% in 2025, a useful benchmark for how much of each euro of income was absorbed by costs.

Profitability also stayed visible in the return profile: ING reported a 12.6% return on equity for 2025, versus 12.0% in 2024. For a bank, that gap matters because it shows whether income growth is translating into shareholder return rather than being absorbed by higher costs.

Capital stays central

ING's capital position remained a core investor metric in the latest annual update, with the bank reporting a common equity tier 1 ratio of 13.6% at 31 December 2025. That level gives the market a concrete reference for balance-sheet strength as the group moves through 2026 reporting dates.

The same report showed a dividend proposal of EUR 0.71 per share for 2025, up from EUR 0.69 per share for 2024. That modest increase fits a bank that is still balancing capital returns with regulatory buffers and growth in its retail and wholesale franchises.

Retail scale matters

In consumer banking, ING reported 39.0 million customers at the end of 2025, up from 38.7 million at the end of 2024. The scale of that base matters because it helps explain why even small changes in income, fees, or deposit balances can move group-level earnings power.

Within the business mix, retail and digital distribution remain the main product engine for ING Groep, while wholesale banking adds a more cyclical earnings layer. That combination is one reason the stock often trades with a close eye on net interest income, expense discipline, and capital return capacity.

Latest product focus

ING continues to present its main banking products through the retail and wholesale platform described on investor-relations material, with savings, payments, lending, and transaction services at the center of its franchise. For investors, the relevance is simple: these are the products that feed income, customer growth, and fee resilience across reporting periods.

Stock level and venue

ING Groep shares are listed on Euronext Amsterdam under the symbol INGA, giving the stock a clear euro-denominated home market for international investors. The latest dated share-price line was not available in the source set, so the most recent evidenced market anchor in this article is the 2025 financial base and capital data above.