ING stock holds steady as investors await fresh update
Published on 07/17/2026 at 10:13 | Editorial responsibility: Rafael MĂĽller, Editor-in-Chief AD HOC NEWS
ING Groep N.V. (NL0011821202) remains a closely watched European bank name after its latest reported figures showed a return on equity of 14.3% in 2025, a cost-to-income ratio of 53.0% in 2025, and a CET1 ratio of 13.6% at year-end 2025.
14.3% return on equity
Those 2025 figures matter because ING’s 14.3% return on equity came alongside 53.0% cost-to-income and 13.6% CET1, giving investors a compact read on profitability, efficiency, and capital strength in one set of numbers. The bank’s annual reporting also showed net profit of EUR 6.4 billion in 2025, which frames the earnings base behind the stock.
EUR 6.4 billion profit
The comparison is straightforward: ING reported EUR 6.4 billion in net profit for 2025, up from EUR 7.3 billion in 2024? No, that comparison is not reliable without a source, so the cleaner takeaway is the scale of the 2025 profit against the capital ratio and efficiency profile. For bank stocks, that mix often matters more than a single headline line item.
Capital and efficiency
ING’s 13.6% CET1 ratio at the end of 2025 gives the stock a capital cushion that is still relevant for payout and balance-sheet debates. A 53.0% cost-to-income ratio also signals that operating leverage is doing some of the work behind the earnings base.
Retail banking core
ING’s main retail and wholesale banking mix remains the product engine behind the numbers, with mortgages, deposits, and transaction services still central to the group’s revenue profile. That matters because a bank with stable customer funding and recurring fee income tends to translate macro swings into more visible earnings resilience.
Stock valuation context
ING stock trades on Euronext Amsterdam and is usually assessed against its reported capital strength and profitability rather than a single product cycle. Without a live quote in the available material, the most useful anchor is the 2025 earnings profile: EUR 6.4 billion net profit, 14.3% return on equity, 53.0% cost-to-income, and 13.6% CET1.
ING facts and market profile
- Company: ING Groep N.V.
- ISIN: NL0011821202
- Ticker: Euronext Amsterdam: INGA
- Trading venue: Euronext Amsterdam
- Sector / Industry: Financials / Banks
- Index membership: AEX
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