ING Delivers Robust 2Q2026: Net Profit Hits €1.95B, Outlook Lifted, ROTE Reaches 17%
ING sits 48% above its 52-week low of $22.535.
Summary
ING Groep posted 2Q2026 net profit of €1.95 billion, a 16% year-on-year increase, and lifted its 2026 and 2027 outlooks on the back of strong lending, deposit, and fee income growth. A higher interim dividend was declared, and the CET1 ratio remained solid at 13.1%.
Updates
· SEC 6-K — H1 2026 IFRS-EU net result was €3,503 million, up 12% from €3,130 million; IFRS-IASB net result was €3,184 million, down 19% from €3,915 million. Net core lending grew €30.2 billion and net core deposits €23.1 billion in H1.
Key Events · Earnings and Guidance · ING
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2Q2026 Net Profit €1.95B
Driven by broad-based income growth, the net result reached €1,947 million—up 16% year-on-year and 25% quarter-on-quarter.
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Upgraded 2026/2027 Outlook
Total income for 2026 is now expected to exceed €24.5 billion (including roughly €5 billion in fee income) with ROTE above 15%; for 2027, total income is seen surpassing €26 billion with ROTE above 16%.
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Strong Commercial Momentum
Net core lending expanded by €15.2 billion (8% annualised) and net core deposits grew by €15.9 billion (8% annualised); the mobile primary customer base increased by 377,000.
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Fee Income Surge
Net fee and commission income rose 14% year-on-year to €1,278 million, supported by a growing customer base and increased investment product activity.
Analysis · ING · Finance
A standout second quarter saw net profit climb 16% year-on-year to €1.95 billion, while profit before tax surged 23%. Bolstered by this momentum, management raised its 2026 and 2027 targets—total income is now expected to exceed €24.5 billion and €26 billion, respectively, with return on tangible equity topping 15% and 16%. Commercial traction was evident in €15.2 billion of net core lending growth and €15.9 billion of deposit inflows, and fee income jumped 14%. The CET1 ratio held firm at 13.1%, aided by a €1 billion risk transfer. An interim dividend of €0.40 per share was declared, up from €0.35 a year ago. These results highlight accelerating growth and capital resilience, fully supporting the upgraded guidance.
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At the time of this filing, ING was trading at $33.44 on NYSE in the Finance sector, with a market capitalization of approximately $91.9B. The 52-week trading range was $22.54 to $33.60. This filing was assessed with positive market sentiment and an importance score of 8 out of 10.