ING
ING Groep N.V.27.42
+0.08+0.29%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
Q&A affirms outlook, adds margin/SRT color
Q&A drilled into outlook assumptions, pegging 5% volume growth as conservative amid Q4 strength while liability margins stay at the low end of 100-110bps into 2026. Management confirmed positive operating jaws through 2027, boosted by AI efficiencies like 79% STP onboarding and €100M restructuring savings. Additional SRTs will add 15-20bps to CET1 next year; M&A remains opportunistic in Romania, Poland, and beyond if accretive. Lending margins stabilized in Belgium, Germany, Italy, Spain. Analysts pressed on deposit competition and costs; replies were crisp, non-evasive. Margins held firm. Investors track volume-margin dynamics and diversification execution.
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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