SI
Bank Universe

Data source: 2026-Q2 figures ingested from the bank’s SEC Form 6-K filing. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

ING Group

INGA
Netherlands · EuropeRegulated by ECBLatest: 2026-Q2
83HIGH

CET1 Ratio

13.10%

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$344.3B

Latest quarter

Total Loan Book

+8.0% YoY growth

Leverage Ratio

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2026-Q2

Concentration data unavailable

Leveraged loans not reported in FDIC call reports

Metric History

11 quarters · SEC Form 6-K · EBA Transparency Exercise · approximate estimates

8 of 11 quarters marked approx are estimates compiled from public annual reports. Levels approximate the published figures; the quarter-to-quarter path is extrapolated, so the Loans YoY and RWA QoQ columns on those rows are not observed changes.

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2026-Q2latest13.10%$344.3B+8.0%83
2026-Q113.00%$344.3B83
2025-Q213.26%$335.8B38
2024-Q4approx14.30%4.40%$440.0B$675.0B+3.1%+0.70%20.0%19.0%31.0%52
2024-Q3approx14.50%4.40%$437.0B$670.0B+3.1%+0.70%20.0%19.0%31.0%53
2024-Q2approx14.70%4.50%$434.0B$665.0B+3.1%+0.70%20.0%19.0%31.0%45
2024-Q1approx14.60%4.50%$431.0B$660.0B+2.4%+0.70%20.0%19.0%30.0%44
2023-Q4approx14.50%4.60%$428.0B$655.0B+5.7%+0.70%20.0%19.0%30.0%51
2023-Q3approx14.60%4.60%$425.0B$650.0B+5.9%+0.70%20.0%18.0%30.0%51
2023-Q2approx14.70%4.70%$422.0B$645.0B+6.0%+0.70%20.0%18.0%30.0%51
2023-Q1approx14.80%4.70%$419.0B$640.0B+5.8%+0.60%20.0%18.0%30.0%51

AI Investment Memo

Llama will analyze ING Group across 4 data dimensions and write a structured memo

Score: 83/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

83/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing83
Last deal
14 mo ago
Typical cadence
16 mo
Through its re-issue cycle86%

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure2/40
CET1 13.10% — approaching comfort floor
+2
-1.10pp headroom above 8% regulatory floor
+0
Loan Book Growth3/30
Loan book grew 8.0% YoY
+3
Concentration data unavailable
+0
Historical SRT25/25
Bank has previously issued SRT transactions
+15
14 months since last SRT deal — likely planning next transaction
+10
Macro Context9/10
Live macro signal: FAVORABLE (sentiment +14/20) — 9/10 pts
+9
GSIB · Systemic Bank

Globally systemically important bank — one of the designated GSIBs. $500B–$1.25T total assets — active repeat issuers, genuine sourcing targets

+5
Europe regional bonus+8
Macro environment · FAVORABLE+6

Sentiment +14/20 · global +6 pts

Overall SRT likelihood83/100