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ING Group N.V.: Business Overview, Financials & Competitive Analysis

ING Group N.V. scores 6/10 on the AskCyborg Cyborg Score (Solid). Established global banking powerhouse with solid profitability and digital innovation leadership, but currently trading at premium valuations amid regulatory headwinds. ING's return on equity (ROE) is 12.05%, indicating effective use of shareholder funds to generate profits. However, the P/E ratio of 12.42 is close to its three-year high and.

What is ING Group N.V.'s industry? ING Group N.V. (ing.com) operates in Banking & Financial Services. AskCyborg classifies ING Group N.V. under Banking & Financial Services in its company registry.

ING Group N.V. is a Dutch multinational banking and financial services corporation headquartered in Amsterdam, with primary businesses in retail banking, direct banking, commercial banking, investment banking, wholesa...

6/ 10Solid

Cyborg Score thesis

Established global banking powerhouse with solid profitability and digital innovation leadership, but currently trading at...

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Industry Banking & Financial Services
4 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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Analyst-debate audio for ING Group N.V.

AskCyborg analysts argue the bull and bear cases for ING Group N.V. across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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What's in This Report
ING Group N.V. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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ING Group N.V. Overview

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ING Group N.V. is a Dutch multinational banking and financial services corporation headquartered in Amsterdam, with primary businesses in retail banking, direct banking, commercial banking, investment banking, wholesale banking, private banking, asset management, and insurance services. With total assets of US$967.8 billion, it consistently ranks among the largest banks globally.

Strategic Profile

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ING has a strong presence in the Netherlands and Belgium, complemented by a range of digital banks across Europe and Australia, with global wholesale banking operations primarily focused on lending. ING is a pioneer in digital banking and on the forefront as one of the most innovative banks in the world.

Competitive Landscape

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Van Lanschot Kempen, Coöperatieve Rabobank, BNP Paribas Fortis, Deutsche Bank, and Citibank are among ING's 23 competitors. Top competitors include Scotiabank, Bank of America and ABN AMRO. ING maintains a strong European footprint with scale advantages against most regional competitors.

Industry Context

ING Group N.V. operates in Banking & Financial Services.

Key facts

Founded: 1991 · Headquarters: Amsterdam, Netherlands · Employees: 60,000 · Revenue: $26B · Market cap: $86.4B

What the analysts stress-tested

The top findings that survived the multi-agent debate for ING Group N.V..

  • ING is forecasting a total income of approximately EUR 24 billion by 2026, driven by expected increases in both volume and fee income
  • In July 2025, ING Group finalized the acquisition of a 17.6% stake in private bank Van Lanschot Kempen, bringing its total share to 20.3%
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Recent developments

Material events tracked by the AskCyborg corpus.

  • July 2025Finalized acquisition of 17.6% stake in Van Lanschot Kempen, increasing total stake to 20.3%
  • September 2025Joint Venture established with Qivalis
  • +1 moreTrack every material event for ING Group N.V. as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

BNP Paribas FortisEuropean banking and financial services→Deutsche BankGlobal investment and commercial banking→CitibankGlobal financial services and banking→ABN AMRODutch banking and financial services→

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Industry context

ING Group N.V. operates in Banking & Financial Services. See how the rest of the sector scores on the Cyborg framework.

Top companies in Banking & Financial Services by Cyborg Score

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Frequently asked questions

What does ING Group N.V. do?+
ING Group N.V. is a Dutch multinational banking and financial services corporation headquartered in Amsterdam, with primary businesses in retail banking, direct banking, commercial banking, investment banking, wholesa...
What is ING Group N.V.'s Cyborg Score?+
ING Group N.V. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are ING Group N.V.'s main competitors?+
Named competitors include BNP Paribas Fortis, Deutsche Bank, Citibank, ABN AMRO. The full competitive landscape is in the AskCyborg report.
How can I get the full ING Group N.V. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the ING Group N.V. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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9First Abu Dhabi Bank9JPMorgan Chase & Co.8Abu Dhabi Commercial Bank PJSC8Akbank T.A.S.8Bank Leumi le-Israel B.M.8BNP Paribas SA8CaixaBank, S.A.8DNB ASA8E.SUN Financial Holding Company, Ltd.8Intesa Sanpaolo S.p.A.Top companies in Banking & Financial Services by Cyborg Score