ING Group N.V. is a Dutch bank built around digital retail banking, mortgages, savings, payments, wholesale banking, and lending-led corporate relationships.
ING Group N.V.: Key Facts
- Founded: 1991 through the merger of Nationale-Nederlanden and NMB Postbank Group.
- Headquarters: Amsterdam, Netherlands.
- Leadership: Steven van Rijswijk is Chief Executive Officer and chair of the Management Board Banking.
- Revenue: ING reported EUR 25.678B in 2025 total income, approximately $29.32B on a July 2026 USD-normalized basis.
- Employees: ING reported an average workforce of 62,770 employees in 2025.
How ING Makes Money
ING earns revenue through net interest income, fees and commissions, trading and financial markets income, investment income, and wholesale banking services. The model depends on low-cost deposits, disciplined credit underwriting, digital acquisition, capital ratios, and the shape of European interest rates.
Financial Position
ING reported EUR 25.678B in 2025 total income and EUR 8.324B profit attributable to owners. Net interest income remained the largest earnings driver, while fee and commission income improved.
Competitive Advantage
ING's advantage is a digitally efficient retail banking platform backed by the balance sheet, trust, and product breadth of a large regulated bank.
Biggest Risk
The biggest risk is a combination of lower net interest margins, higher credit losses, and persistent compliance costs that compress returns.
