ING (ADR) (ING)
Runs digital retail franchises and an international wholesale bank from Amsterdam.
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Provides retail banking in the Netherlands, Belgium, Germany, and other markets alongside international wholesale banking. The bank-only group emerged from a Dutch bank-insurer merger and later separated its insurance and investment-management businesses after state-supported restructuring, while digital services and secure banking remain central to its operating model.
Provides retail banking through franchises in the Netherlands, Belgium, Germany, and other markets, alongside international wholesale banking. The listed parent is centered on ING Bank, its one main legal entity, after separating insurance and investment-management operations.
Builds its operating model around digital services, secure banking, scalable technology, and customer relationships. The current structure combines national retail franchises with an international wholesale bank, while the statutory two-tier governance model separates supervisory oversight from executive management.
Formed in 1991 from a Dutch bank-insurer merger, the group was reshaped after financial-crisis state support and European Commission restructuring. Documented sanctions and anti-money-laundering settlements make financial-crime controls a continuing structural requirement.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 15, 2025 | Barclays | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $216.23B · Total debt $211.64B · Total assets $1.33T · Shareholders' equity $57.46B
- Revenue
- $26.38B
- Operating income
- $3.34B
- Net income
- $2.23B
Reported in EUR, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | ≈ 4.50% | 130.72M ADS | |
|---|---|---|---|
| 602 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Other | ≈ 95.50% | 2.77B ADS | |
| remainder | |||
2.90B ADS as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Morgan StanleyInstitution | 0.44% | 12.84M ADS | as of Jun 30, 2026 |
FMR LLCInstitution | 0.27% | 7.84M ADS | as of Jun 30, 2026 |
Goldman Sachs Group IncInstitution | 0.26% | 7.58M ADS | as of Jun 30, 2026 |
Bank of America Corp /DE/Institution | 0.21% | 6.18M ADS | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 0.20% | 5.88M ADS | as of Jun 30, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
- Deutsche Bank
German retail, transaction-banking and markets rival
- BBVA (ADR)
Spanish and Turkish rival across retail, digital and wholesale banking
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| ING (ADR) | $36.25 | −1.80% | $105.44B | 14.1 | 11.0 | 2.3 | −74.7% |
| Deutsche Bank | $37.45 | −2.09% | $71.87B | 10.0 | 8.4 | 1.2 | +23.8% |
| BBVA (ADR) | $28.53 | −1.31% | $159.74B | 13.4 | 10.5 | 2.9 | +17.8% |
| Median | 11.7 | 9.5 | 2.0 | +20.8% |