ING
ING Groep N.V.27.42
+0.08+0.29%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
FY Q4 '25
Last Quarter (Q3 '25)
FY Q3 '25
Q&A reaffirms, adds deposit clarity
Q&A largely reaffirmed prepared remarks' strong momentum but clarified Q3 deposit outflows as seasonal campaign endings and summer spending—not a trend—with YTD growth at 6% annualized. Wholesale loan surge stemmed from pipeline conversions in underwriting and trade finance, explaining tight FY NII guide of EUR 15.2-15.3 billion despite tailwinds. Management detailed global GenAI rollout in KYC, lending, and contact centers, dismissing NL job-cut headlines as local reporting. Comfortable dipping below 13% CET1 interim. No fireworks here.
Key Stats
Market Cap
79.52BP/E (TTM)
11.67Basic EPS (TTM)
2.35Dividend Yield
0.04%IPO
Website
Employees
Sector
Industry
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AIB Group PLC
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Banco Bilbao Vizcaya Argentaria
22.51-0.46
HSBC
HSBC Holdings, plc.
74.66-0.62
LYG
Lloyds Banking Group Plc
5.14+0.01
NNGPF
NN Group NV
75.14+0.00
NWG
NatWest Group plc
17.04+0.13
PBNNF
PT BANK NEGARA INDONESIA(PERSER
0.20+0.00
PNC
PNC Financial Services Group, I
209.98-0.91
SAN
Banco Santander, S.A. Sponsored
11.51-0.09
UBS
UBS Group AG Registered
44.80+2.11