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ING Groep N.V.

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
$84.37B
PER (TTM)
11.3
16.2
配当利回り
5.0%
52週高値
$31.18
52週安値
$16.47
52週レンジ
84%
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

2024 Annual 決算ハイライト

主なハイライト

Strong Core Income Growth Fee income grew 11% to €4.0B, driven by retail investment products and daily banking fees, offsetting the NII decline.
Customer Base Expansion Primary customer base increased by 0.8M to 16.2M total; net core lending grew by €27.7B, supported by strong mortgage portfolio growth.
Capital Ratio Moderation CET1 ratio decreased to 13.6% from 14.7% due to distributions, though remaining well above the 10.76% SREP requirement.
Increased Credit Provisioning Total loan loss provisions rose significantly to €1.2B (up from €520M in 2023), primarily due to Stage 3 file additions in Wholesale Banking.

リスク要因

Geopolitical and Economic Volatility Ongoing geopolitical tensions and inflation uncertainty pose material risks to global markets, impacting credit quality and funding stability.
Rising Credit Impairment Costs NPL portfolio increased to €13.3B, driven by Wholesale Banking exposures, leading to provisions nearly doubling year-over-year to €6.0B.
Regulatory Compliance Costs Increasing complexity in regulations (ESG, DORA, AMLR) drives up operating costs and requires significant investment in compliance technology and talent.
Cyber and IT Resilience Threats Continuous cyberattacks, including ransomware and AI-driven threats, challenge IT security, requiring high priority investment in resilience capabilities.

見通し

Focus on Sustainable Financing ING continues steering portfolios toward net-zero goals, with sustainable finance volume reaching €130B, up from €115B in 2023.
Digitalization and AI Scaling Strategy emphasizes scaling GenAI solutions across contact centers and marketing personalization, aiming for higher straight-through processing rates in 2025.
Russian Business Exit Plan Sale of Russian business agreed upon, expected to close Q3 2025, with an estimated post-tax P&L impact of €0.7B, mainly book loss.
2025 Remuneration Alignment 2025 EB remuneration targets emphasize ESG/sustainability (50% non-financial weighting for CFO/CRO) and customer satisfaction metrics.

同業比較

売上高 (TTM)

Wells Fargo & CompanyWFC
$123.53B
-1.5%
Sumitomo Mitsui Financial Group, Inc.SMFG
$101.76B
+104.8%
Itaú Unibanco Holding S.A.ITUB
$68.80B
+20.3%

粗利益率 (最新四半期)

The PNC Financial Services Group, Inc.PNC
100.0%
+36.6pp
Barclays PLCBCS
100.0%
+0.0pp
Canadian Imperial Bank of CommerceCM
99.6%
+61.5pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
WFC$270.87B12.911.8%9.0%
MFG$123.76B18.59.7%22.7%
ITUB$101.38B11.921.6%32.9%

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
0%
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:-
財務レポート
財務データ
全年度

  • Form 20-F - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年3月6日|
    売上高: $71.84B+12.7%
    |
    EPS: $1.78+42.2%
    予想を上回る

  • Form 20-F - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月8日|
    売上高: $63.71B+75.3%
    |
    EPS: $1.25+13.7%
    予想を下回る

  • Form 20-F - FY 2022

    会計期末: 2022年12月31日|提出日: 2023年3月10日|
    売上高: $63.71B+30.3%
    |
    EPS: $1.25-17.1%
    予想を下回る

  • Form 20-F - FY 2021

    会計期末: 2021年12月31日|提出日: 2022年3月11日|
    売上高: $63.71B-4.3%
    |
    EPS: $1.25+92.2%
    予想を下回る

  • Form 20-F - FY 2020

    会計期末: 2020年12月31日|提出日: 2021年3月12日|
    売上高: $63.71B-17.0%
    |
    EPS: $1.25-48.0%
    予想を下回る