Ing Groep NV 6-K, filed Oct 29, 2026
Ing Groep NV (ING)
About this 6-K
Ing Groep NV filed this 6-K on October 29, 2026.
ING reported a 3Q2026 net result of €1,850 million, up 3.5% year-on-year, with 16.3% ROTE; strong capital and a 13.3% CET1 ratio supported a €1.9 billion distribution. AI summary
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 6-K
REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934
For the month of October 2026
Commission File Number: 001-14642
ING Groep N.V.
(Translation of registrant's name into English)
Bijlmerdreef 106
1102 CT Amsterdam
The Netherlands
(Address of principal executive office)
Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.
Form 20-F [ X ] Form 40-F [ ]
On October 29, 2026, the Registrant issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference.
(c) Exhibit 99.1. Press release dated October 29, 2026
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.
| ING Groep N.V. | ||
| (Registrant) | ||
| Date: October 29, 2026 | /s/ Raymond Vermeulen | |
| Raymond Vermeulen | ||
| Head of Media Relations & Issue Management | ||
EXHIBIT 99.1
ING shows continued commercial momentum in 3Q2026 and is well on track to deliver on 2026 outlook
ING shows continued commercial momentum in 3Q2026 and is well on track to deliver on 2026 outlook
| 3Q2026 net result of €1,850 million, up 3.5% year-on-year with an ROTE of 16.3% | |
| · | Mobile primary customer base increases by 259,000 in the third quarter |
| · | Net core lending growth of €11.0 billion and net core deposit growth of €12.1 billion |
| · | Fee income of €1,273 million, up 9.3% year-on-year |
| · | Operating expenses remain under control; risk costs affected by a management overlay |
| · | Profit before tax increases 5.7% year-on-year to €2,705 million |
| · | Strong capital generation and CET1 ratio of 13.3% allow us to announce a €1.9 billion distribution |
| · | We are refocusing and simplifying Wholesale Banking to better serve our clients |
CEO statement “ING has had a strong third quarter of 2026 as we continue to execute on our strategy and deliver solid commercial and financial performance,” said Steven van Rijswijk, CEO of ING. “Against a backdrop of continuing geopolitical uncertainty, volatility and pressure on consumer and corporate confidence, our clients continue to show their trust in ING and increasingly turn to us for more of their financial needs across our various segments. This demonstrates the strength and resilience of our business, and we remain well on track to deliver on our outlook for 2026. “We’re proud that more customers are choosing ING as their bank. We have added 259,000 mobile primary customers during the quarter, with strong contributions from Germany, the Netherlands and Romania. Total income has grown 5.6% and net result has increased 3.5% year-on-year. As our customer base grows, we are also doing more business with them and seeing higher customer balances, which contributed to double-digit growth in commercial interest income and 9.3% growth in fee income year-on-year. This was partly offset by lower other income, reflecting effects from heightened interest rate volatility, which are expected to reverse over time. “In Retail Banking, our mortgage portfolio has increased by €6.9 billion as we helped more people finance their homes, contributing to lending growth of €8.5 billion, or up 6% annualised. Deposits have grown by €2.7 billion, despite seasonal customer summer holiday spending. As more customers choose to invest with ING, we have also seen continued flows from deposits into investment products, which supported a €6.7 billion increase in assets under management & e-brokerage during the quarter to €328 billion, up 22% year-on-year. “In Wholesale Banking, lending growth was €2.5 billion on the back of continued client demand. Deposits have grown by €9.4 billion, highlighting good deposit-gathering momentum. Fee income has increased 9.4% year-on-year, with strong contributions from Daily Banking & Trade Finance. As part of the ambition to become the best European bank, we are taking a next strategic step in Wholesale Banking to simplify and make it easier for our clients to do business with us. As a reliable banking partner, we aim to create greater value for our clients and all our stakeholders. “Operating expenses have remained under control, with a 1.1% increase quarter-on-quarter as higher staff expenses reflecting wage inflation were partly mitigated by the ongoing implementation of cost initiatives. Risk costs excluding one-offs remained well below our through-the-cycle average of 20 basis points of average customer lending. Return on tangible equity was 16.3% in the quarter, with a four-quarter-rolling-average of 14.8%. "Our capital remains strong, with a CET1 ratio of 13.3%. In line with our capital velocity ambitions, we completed two significant risk-transfer (SRT) transactions during the quarter, generating total RWA relief of €3.0 billion. These included a transaction for Wholesale Banking and one for Retail Banking. "Operating at the right level of capital is in the best interest of all our stakeholders, including our customers and the economies where we do business. After completing the share buyback programme that we announced in April 2026, we today announce a further distribution of €1.9 billion. “We enter the remainder of this year with good momentum and continued customer growth. I would like to thank our employees for their dedication to supporting our customers and clients and for driving our progress in a complex geopolitical and macroeconomic environment. We remain focused on delivering our strategic priorities and look forward to providing an update on our strategy at our Capital Markets Day on 14 June 2027.” | |
| Further information All publications related to ING’s 3Q 2026 results can be found at the quarterly results page on ing.com. For more on investor information, go to the Investor Overview on ing.com. A short ING ON AIR video with CEO Steven van Rijswijk discussing our 3Q 2026 results is available on Youtube. For further information on ING, please visit www.ing.com. Frequent news updates can be found in the Newsroom or via the @ING_news feed on X. Photos of ING operations, buildings and its executives are available for download at Flickr. |
| Investor conference call and webcast Steven van Rijswijk (CEO), Ida Lerner (CFO) and Andrea Cesaroni (CRO) will discuss the results in an Investor conference call on 29 October 2026 at 9:00 a.m. CET. Members of the investment community can join the conference call at +31 20 708 5074 (NL), or +44 330 551 0202 (UK) (registration required via invitation) and via live audio webcast at www.ing.com. |
| Investor enquiries T: +31 20 576 6396 E: investor.relations@ing.com Press enquiries T: +31 20 576 5000 E: media.relations@ing.com |
| ING Profile ING is a global financial institution with a strong European base, offering banking services through its operating company ING Bank. The purpose of ING Bank is: empowering people to stay a step ahead in life and in business. ING Bank’s more than 60,000 employees offer retail and wholesale banking services to customers in over 100 countries. ING Group shares are listed on the exchanges of Amsterdam (INGA NA, INGA.AS), Brussels and on the New York Stock Exchange (ADRs: ING US, ING.N). ING aims to put sustainability at the heart of what we do. Our policies and actions are assessed by independent research and ratings providers, which give updates on them annually. ING's ESG rating by MSCI has been upgraded from 'AA' to 'AAA' in October 2025. As of July 2026, in Sustainalytics’ view, ING’s management of ESG material risk is ‘Strong’ with an ESG risk rating of 16.7 (low risk). ING Group shares are also included in major sustainability and ESG index products of leading providers. Here are some examples: Euronext, STOXX, Morningstar and FTSE Russell. |
IMPORTANT LEGAL INFORMATION
Elements of this press release contain or may contain information about ING Groep N.V. and/ or ING Bank N.V. within the meaning of Article 7(1) to (4) of EU Regulation No 596/2014 (‘Market Abuse Regulation’).
ING Group’s financial statements are prepared in accordance with International Financial Reporting Standards as adopted by the European Union (‘IFRS- EU’). In preparing the financial information in this document, except as described otherwise, the same accounting principles are applied as in the 2025 ING Group consolidated financial statements. All figures in this document are unaudited. Small differences are possible in the tables due to rounding.
Certain of the statements contained herein are not historical facts, including, without limitation, certain statements made of future expectations and other forward-looking statements that are based on management’s current views and assumptions and involve known and unknown risks and uncertainties that could cause actual results, performance or events to differ materially from those expressed or implied in such statements. Actual results, performance or events may differ materially from those in such statements due to a number of factors, including, without limitation: (1) changes in general economic conditions and customer behaviour, in particular economic conditions in ING’s core markets, including changes affecting currency exchange rates and the regional and global economic impact of the invasion of Russia into Ukraine and related international response measures (2) changes affecting interest rate levels (3) any default of a major market participant and related market disruption (4) changes in performance of financial markets, including in Europe and developing markets (5) fiscal uncertainty in Europe and the United States (6) discontinuation of or changes in ‘benchmark’ indices (7) inflation and deflation in our principal markets (8) changes in conditions in the credit and capital markets generally, including changes in borrower and counterparty creditworthiness (9) failures of banks falling under the scope of state compensation schemes (10) noncompliance with or changes in laws and regulations, including those concerning financial services, financial economic crimes and tax laws, and the interpretation and application thereof (11) geopolitical risks, political instabilities and policies and actions of governmental and regulatory authorities, including in connection with the invasion of Russia into Ukraine, other existing or emerging military conflicts, the risk of further military escalation, geopolitical tensions, trade restrictions and the related international response measures (12) legal and regulatory risks in certain countries with less developed legal and regulatory frameworks (13) prudential supervision and regulations, including in relation to stress tests and regulatory restrictions on dividends and distributions (also among members of the group) (14) ING’s ability to meet minimum capital and other prudential regulatory requirements (15) changes in regulation of US commodities and derivatives businesses of ING and its customers (16) application of bank recovery and resolution regimes, including write down and conversion powers in relation to our securities (17) outcome of current and future litigation, enforcement proceedings, investigations or other regulatory actions, including claims by customers or stakeholders who feel misled or treated unfairly, and other conduct issues (18) changes in tax laws and regulations and risks of non-compliance or investigation in connection with tax laws, including FATCA (19) operational and IT risks, such as system disruptions or failures, breaches of security, cyberattacks, human error, changes in operational practices or inadequate controls including in respect of third parties with which we do business and including any risks as a result of incomplete, inaccurate, or otherwise flawed outputs from the algorithms and data sets utilized in artificial intelligence (20) risks and challenges related to cybercrime including the effects of cyberattacks and changes in legislation and regulation related to cybersecurity and data privacy, including such risks and challenges as a consequence of the use of emerging technologies, such as advanced forms of artificial intelligence and quantum computing (21) changes in general competitive factors, including ability to increase or maintain market share (22) inability to protect our intellectual property and infringement claims by third parties (23) inability of counterparties to meet financial obligations or ability to enforce rights against such counterparties (24) changes in credit ratings (25) business, operational, regulatory, reputation, transition and other risks and challenges in connection with climate change, diversity, equity and inclusion and other ESG-related matters, including data gathering and reporting and also including managing the conflicting laws and requirements of governments, regulators and authorities with respect to these topics (26) inability to attract and retain key personnel (27) future liabilities under defined benefit retirement plans (28) failure to manage business risks, including in connection with use of models, use of derivatives, or maintaining appropriate policies and guidelines (29) changes in capital and credit markets, including interbank funding, as well as customer deposits, which provide the liquidity and capital required to fund our operations, and (30) the other risks and uncertainties detailed in the most recent annual report of ING Groep N.V. (including the Risk Factors contained therein) and ING’s more recent disclosures, including press releases, which are available on www.ING.com.
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Attachment
- Full ING Group 3Q 2026 Results Press Release (PDF) (https://ml-eu.globenewswire.com/Resource/Download/3b99cd92-11a7-4bed-9610-3c602963f31a)