ING Groep N.V.

NYSE•ING

CEO: Mr. Tanate Phutrakul

セクター: Financial Services

業種: Banks - Diversified

上場日: 1994-05-18

ING Groep N.V. provides various banking products and services in the Netherlands, Belgium, Germany, rest of Europe, and internationally. It operates through five segments: Retail Netherlands, Retail Belgium, Retail Germany, Retail Other, and Wholesale Banking. The company accepts current and savings accounts. It also offers business lending products; SME loans; consumer lending products, such as residential mortgage loans and other consumer lending loans; and mortgages. In addition, the company provides working capital solutions; debt and equity market solutions; various loans; payments; and cash management, trade and corporate finance, and treasury services, as well as savings, investment, insurance, and digital banking services. It serves individual customers, corporate clients, and financial institutions. ING Groep N.V. was founded in 1762 and is headquartered in Amsterdam, the Netherlands.

連絡先情報

Bijlmerdreef 106, Amsterdam, 1102 CT, Netherlands

31-20-563-9111

www.ing.com

時価総額

$73.75B

PER (TTM)

10.4

配当利回り

5.5%

52週高値

$31.18

52週安値

$16.47

52週レンジ

62%

順位58Top 85.6%

2.3

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

弱い • 2.3 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$6.75B+7.23%

直近4四半期の推移

EPS

$0.56+29.73%

直近4四半期の推移

フリーCF

$0.00+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

IFRS-IASB Net Result Jumps Net result (IFRS-IASB) reached EUR 8.32B, up 56% from 2024, driven by EUR 1.99B positive fair value changes on derivatives.

Core Lending Growth Accelerates Net core lending growth was EUR 56.9B, more than double the prior year, fueled by sustained mortgage production and business expansion.

Fee Income Shows Strong Growth Total fee and commission income grew 15% to EUR 4.60B, supported by investment product fees in Retail Banking and higher deal flow.

Capital Ratio Nearing Target CET1 ratio fell to 13.1% (vs 13.6% in 2024) as capital was distributed to steer towards the newly adjusted target of approximately 13%.

リスク要因

Credit Costs Remain Elevated Net additions to loan loss provisions rose to EUR 1.30B (19 bps of lending), reflecting slightly higher risk costs compared to 2024.

Geopolitical Uncertainty Persists Continued global instability, including conflicts and trade tensions, heightens uncertainty impacting market dynamics and potential loan impairments.

Regulatory Compliance Costs Rise Increased regulatory scrutiny and new requirements, like DORA implementation, are driving up operating costs across the organization.

Model Risk from AI Adoption Rapid AI adoption introduces risks related to data privacy, model accuracy, and bias, requiring strengthened governance oversight structures.

見通し

Capital Distribution Strategy ING plans continued capital distributions to align CET1 ratio towards the ~13% target, despite current ratio being slightly below the MDA trigger.

Digitalization and Customer Focus Strategy emphasizes scaling digital journeys (STP rate up to 81.8%) and achieving number one NPS ranking in core Retail markets.

Climate Risk Management Deepens Enhanced climate stress-testing framework and ESG risk assessment tool integration will steer Wholesale Banking lending towards 2030 decarbonization targets.

Executive Pay Policy Renewal Proposed 2026 policy includes base salary increases (CEO 5%, CFO/CRO 7%) and a fixed share plan to enhance long-term alignment.

同業比較

売上高 (TTM)

WFC

$123.53B

-1.5%

SMFG

$101.76B

+104.8%

ITUB

$68.80B

+20.3%

粗利益率 (最新四半期)

ING

93.7%

+5.5pp

BCS

92.3%

+0.0pp

PNC

68.0%

+36.6pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
WFC	$232.65B	11.0	11.8%	19.8%
BMO	$95.72B	14.5	10.5%	11.6%
MFG	$94.24B	14.5	9.7%	21.6%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

4.4%

緩やかな成長

4四半期純利益CAGR

2.4%

収益性の緩やかな改善

キャッシュフロー安定性

キャッシュフローに注意が必要

深度リサーチ

次回決算:2026年4月30日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし