Ing Groep Nv (INGVF) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, this is Laura welcoming you to ING's 4Q 2025 conference call. Before handing this conference call over to Steven Van Rijswijk, Chief Executive Officer of ING Group, let me first say that today's comments may include forward-looking statements. such as statements regarding future developments in our business, expectations for our future financial performance and any statement not involving a historical fact. Actual results may differ materially from those projected in any forward-looking statement. A discussion of factors that may cause actual results to differ from those in any forward-looking statement is contained in our public filings. including our most recent annual report on Form 20F, filed with the United States Securities and Exchange Commission, and our earnings press release as posted on our website today. Furthermore, nothing in today's comments constitutes an offer to sell or a solicitation of an offer to buy any securities. Good morning, Stephen. Over to you. Thank you very much, operator. Good morning and welcome to our results call for the fourth quarter of 2025. I hope you're all well and I thank you for joining us today. As usual, I'm joined by our CRO Liliana Chortan and our CEO Wouternet Putrakool. And today I'm proud to walk you through another year of outstanding commercial growth and financial performance driven by the continued execution of our strategy. These results strengthen our confidence in the year ahead, as reflected in our outlook for 2026. And I will also share updated and upgraded outlook for 2027, which further underlines the strength and resilience of our business. After that, Tenate will give you more insight into our income and cost expectations for 2026 and present the quarterly financials. And as always, we will b...