November 14 2025
ING achieved a net profit of €1,79 billion in the third quarter of 2025, exceeding analysts' forecasts. sofa announced that it will pay out €1,6 billion to shareholders.
The positive results, as in the previous quarter, were driven by significant growth in lending and significantly higher fees.
The total of €1,6 billion in capital repayments includes a €1,1 billion share buyback program, which will begin immediately, and a €500 million cash dividend to be paid in January. The stock rose 5% following the announcement.
Although net profit was 5% lower than in the same quarter of the previous year – a result of lower interest rates – the bank outperformed analysts' forecasts of €1,66 billion.
The results demonstrate that ING's strategy to absorb the decline in interest income is proving successful. Fee income increased by 15% compared to the previous year, primarily due to increased sales of investment products.
In addition, lending growth accelerated to €14,2 billion in the quarter. This growth was driven by both the retail sector (an additional €8,6 billion, primarily mortgages) and the corporate sector (an additional €5,7 billion). The CET1 ratio rose slightly to 13,4%.
CEO Steven van Rijswijk responded with satisfaction: “ING has had a strong third quarter of 2025, in which we continued to execute our strategy to accelerate growth, increase our impact and deliver customer value. We are on track course to achieve our 2027 financial goals.”
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