What does a stock comparison page show when it lists ING Groep and BNY Mellon side by side?

The page contrasts two banks by highlighting business models, recent financial performance, and market context. It uses available data to compare strengths, weaknesses, and growth factors. By presenting consistent metrics across both, readers can see how ING Groep and BNY Mellon differ in areas such as profitability, capital position, and revenue drivers, without giving investment advice.

How should I read ‘pros’ and ‘cons’ for each stock on the page?

Pros summarise strengths or positive indicators, such as profitability or innovation. Cons flag potential risks or limitations, like valuation concerns or regulatory pressures. These points are based on the provided context and are intended to help readers weigh the positives and risks in a balanced way, not to predict future performance.

What impact do capital requirements have on a bank’s profitability and returns?

Capital requirements affect how much a bank can lend and the quality of its balance sheet. Higher CET1 and leverage ratios can constrain returns in the short term but improve resilience during stress. On this page, ING’s elevated requirements are presented as a factor that may influence capital allocation and future profitability prospects.

Why is diversification of revenue important when comparing ING to BNY Mellon?

Diversified revenue reduces reliance on a single driver, such as net interest income. ING’s performance notes growth in net interest and fee income, while BNY Mellon benefits from asset servicing and wealth management. A diversified mix can provide more stable earnings across different market environments, though each bank faces sector-specific regulatory costs and competitive dynamics.

What does a ‘strong capital position’ mean for a bank in volatile markets?

A strong capital position indicates meaningful buffers to absorb losses and continue operations during downturns. It often supports strategic investments and prudent risk management. On this page, BNY Mellon is described as having robust capital and discipline, which may contribute to stability amid market volatility and regulatory changes.

How do regulatory changes influence the comparative outlook for ING and BNY Mellon?

Regulatory changes can alter capital, liquidity, and compliance costs, shaping profitability and risk appetite. ING faces European regulatory dynamics, while BNY Mellon operates under global oversight with different constraints. The page presents these factors as contextual backdrops that can influence earnings and strategic choices.

What role do interest rates play in the earnings of the two banks?

Interest rates affect net interest income, a core earnings component for banks. ING is noted for net interest income growth, while BNY Mellon’s model emphasises fee-based services that can be more resilient to rate shifts. The comparison highlights how rate environments can differently impact each bank’s profitability.

How should I use the information presented here to inform learning about banking stocks?

Treat this as an educational reference that outlines business models, profitability factors, and risks. Note how diversified revenue, capital adequacy, and regulatory exposure influence potential outcomes. Use the structured format to compare similarities and differences before researching further, without acting as financial advice.

What is the importance of ‘valuation checks’ in the ING assessment?

Valuation checks gauge whether the stock price reasonably reflects fundamentals or if it may be overvalued. The ING context flags a 2 out of 6 valuation score, suggesting readers should consider price versus earnings, growth, and risk before forming conclusions. This informs critical assessment rather than a recommendation.

Why might a bank’s macroeconomic exposure matter when comparing ING and BNY Mellon?

Macroeconomic exposure notes how external conditions like GDP growth and credit cycles affect asset quality, loan demand, and fee-based revenues. ING’s cyclicality and European regulation, compared with BNY Mellon’s global asset servicing focus, illustrate how different macro risks can shape earnings potential under varying economic scenarios.

How can investors interpret the note about AI and innovation in ING’s strategy?

A stated AI initiative signals investment in technology that could improve customer experience, efficiency, and scalable services. On this page, such actions are framed as a qualitative factor supporting growth potential, while not guaranteeing future success or stock performance. Readers should weigh innovation alongside financial metrics.

Is the information on this page a substitute for professional financial advice?

No. The content is educational, offering neutral explanations of how ING and BNY Mellon operate and perform. It presents context, signs, and risk factors to aid understanding. For personalised guidance, consult a qualified financial advisor who can tailor advice to your circumstances.

Live Report · Updated 11 September 2026

ING vs BNY

Large Dutch bank serving consumers and businesses across Europe vs Large global custodian and asset servicing provider for institutions. Which is the better buy for your portfolio in September 2026? Plain-English answer below.

ING operates as a pan-European digital banking giant with retail, corporate, and investment banking arms, while BNY functions primarily as a custodian and asset servicer for institutional clients managing trillions of dollars in assets. Both are systemically important financial institutions operating under intense regulatory scrutiny, and both have restructured their business mixes over the past decade to sharpen returns. ING vs BNY dissects fee income growth, return on tangible equity, and which institution's business model is better insulated from the credit and rate cycle volatility that defines banking.

ING operates as a pan-European digital banking giant with retail, corporate, and investment banking arms, while BNY functions primarily as a custodian and asset servicer for institutional clients mana...

Comparison Snapshot

Key Financial Metrics

ING

Metric

BK

$107.05B

Market Cap

$93.57B

-32.13%

Potential Profit

-9.89%

Buy

Analyst Rating

Buy

Why It’s Moving

ING stays firm on buybacks and upgrades, but analysts still flag room for a pullback.

ING remains supported by an active share buyback, with the latest weekly repurchase adding 1.36 million shares and keeping the program more than two-thirds complete, which has helped offset some market caution.
Sentiment was also lifted by a recent analyst upgrade to overweight, reinforcing the view that ING’s earnings momentum and capital return plan are still attracting buyers.
The caution behind the -10% downside warning appears tied to a clash between strong recent share performance and rising scrutiny around bank-specific risks, including the broader sensitivity of European lenders to capital, liquidity, and rate expectations.

Sentiment:

🌋Volatile

BK is getting a lift from strong earnings momentum, firmer guidance, and capital-return moves.

BNY’s latest catalyst was its strong second-quarter 2026 update, with revenue up 13% and EPS up 27%, reinforcing the view that fee income and net interest income are both contributing to earnings momentum.
Management lifted full-year 2026 revenue growth guidance to 10%-11% and pointed to positive operating leverage, signaling that cost discipline and business expansion are still working in tandem.
The bank also announced a preferred-stock redemption and a higher quarterly dividend, moves that can be read as confidence in capital strength and balance-sheet flexibility.

Sentiment:

🐃Bullish

ING stays firm on buybacks and upgrades, but analysts still flag room for a pullback.

ING remains supported by an active share buyback, with the latest weekly repurchase adding 1.36 million shares and keeping the program more than two-thirds complete, which has helped offset some market caution.
Sentiment was also lifted by a recent analyst upgrade to overweight, reinforcing the view that ING’s earnings momentum and capital return plan are still attracting buyers.
The caution behind the -10% downside warning appears tied to a clash between strong recent share performance and rising scrutiny around bank-specific risks, including the broader sensitivity of European lenders to capital, liquidity, and rate expectations.

Sentiment:

🌋Volatile

BK is getting a lift from strong earnings momentum, firmer guidance, and capital-return moves.

BNY’s latest catalyst was its strong second-quarter 2026 update, with revenue up 13% and EPS up 27%, reinforcing the view that fee income and net interest income are both contributing to earnings momentum.
Management lifted full-year 2026 revenue growth guidance to 10%-11% and pointed to positive operating leverage, signaling that cost discipline and business expansion are still working in tandem.
The bank also announced a preferred-stock redemption and a higher quarterly dividend, moves that can be read as confidence in capital strength and balance-sheet flexibility.

Sentiment:

🐃Bullish

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ING vs Itaú Unibanco

ING Group operates a European universal bank spanning retail deposits, corporate lending, and digital financial services across dozens of countries, while Itau Unibanco dominates Brazilian banking with the largest private-sector franchise in Latin America. Both are major international banks generating strong returns in their home regions while managing credit risk through very different economic environments. The ING vs Itau Unibanco comparison reveals how European interest rate normalization and Brazilian inflation dynamics shape net interest margins, credit costs, and capital generation for two of the world's most important regional banking franchises.

ING vs Barclays

ING Groep operates as a large European universal bank with digital banking leadership and significant wholesale banking franchises across Europe and internationally, while Barclays runs a transatlantic model spanning UK retail banking and a Wall Street-competitive investment bank. ING vs Barclays pits a digitally focused commercial banking operator with a lean cost model against a diversified investment bank managing trading revenues, capital market fees, and a large UK consumer credit book. Readers get a clear view of how cost-to-income ratios, CET1 capital levels, and trading revenue volatility separate the investment cases for two of Europe's most closely watched universal banks.

ING vs Apollo

ING is a large European retail and commercial bank with a digital-first retail platform spanning dozens of countries, while Apollo Global Management has built a sprawling alternative asset management empire across private credit, private equity, and insurance. Both operate in financial services and compete for global capital, but their business models, return drivers, and regulatory constraints look nothing alike. ING vs Apollo lays out how a traditional deposit-funded bank and an alternative asset manager pursue return on equity, fee generation, and balance sheet growth through fundamentally different financial architectures.

Investment Analysis

ING

Pros

ING Groep demonstrated strong financial performance in Q3 2025, with significant growth in net interest income and fee income, lifting net profit to €6 billion over the past four quarters.
The bank upgraded its full-year return on equity outlook to over 12.5%, reflecting improving profitability and operational efficiency.
ING has launched an AI chatbot across six markets, showing its commitment to technological innovation and sustainable finance volumes increased by 29% year-on-year.

Considerations

Despite strong performance, ING Groep scores only 2 out of 6 on valuation checks, indicating potential concerns regarding current share price sustainability or overvaluation.
The European Central Bank’s 2025 Supervisory Review increased ING’s capital requirements, including a higher CET1 and leverage ratio, which may pressure capital allocation and future returns.
Although the loan book is expanding, there is exposure to economic cyclicality and regulatory risks inherent in European banking regulation and macroeconomic conditions.

BNY

BK

Pros

BNY Mellon benefits from a diversified business model focused on asset servicing, wealth management, and investment management, reducing reliance on interest rate fluctuations.
The company holds a strong capital position with prudent risk management practices, enhancing its stability and resilience in volatile market conditions.
BNY Mellon has consistent revenue streams from fee-based services and is positioned to benefit from growth in global asset management and custody markets.

Considerations

BNY Mellon faces pressure from low interest rate environments, which can affect net interest income and overall profitability in certain segments.
The company operates in a highly competitive industry with significant regulatory compliance costs and evolving technological demands.
Exposure to market volatility and economic cycles can impact fee income and asset valuations, introducing variability in earnings and growth potential.

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About ING and BNY

ING (ING)

ING Groep N.V. (ING) is a large Dutch banking group offering retail, direct and wholesale banking across Europe and selected global markets. With a market capitalisation of about $72.12B, ING combines traditional deposit‑taking and lending with a strong digital banking platform that serves consumers and businesses. Key considerations for investors include sensitivity to interest‑rate cycles, credit quality of loan books, regulatory capital requirements and competition from fintechs. ING has focused on cost control, digital transformation and selective growth in higher‑margin markets, but performance can vary with economic swings. Dividends and buybacks have been part of its capital return approach historically, though they depend on profit, capital levels and regulator guidance. This summary is for general educational purposes only and not personal advice; investors should assess how a banking stock fits their risk tolerance, time horizon and diversification needs. Returns are not guaranteed and bank shares can be volatile.

BNY (BK)

Bank of New York Mellon (BNY Mellon) is a large, established financial institution specialising in custody, asset servicing and related investment services for institutional clients. It acts as a custodian and administrator for assets, provides clearing and treasury services, and offers technology and investment management capabilities through its global business lines. With a market capitalisation of about $74.62 billion, BNY Mellon’s performance is tied to assets under custody and administration, market activity and interest rate environments. The business can offer relatively steady fee-based revenue but is exposed to cyclical trading volumes, margin pressure and regulatory oversight. Investors should weigh the company’s scale and client network against operational and regulatory risks, potential competition from fintechs, and sensitivity to macro conditions. This summary is for educational purposes only and not personalised investment advice; outcomes can vary and past performance does not guarantee future returns.

ING (ING) Next Earnings Date

The next expected earnings date for ING is October 29, 2026. It is expected to cover Q3 2026 results. ING has not always formally confirmed the date in advance, but its reporting pattern points to late October for the third-quarter release.

BNY (BK) Next Earnings Date

The next earnings date for BK is expected on October 15, 2026. That report should cover third-quarter 2026 results. BNY’s historical schedule also shows quarterly earnings releases typically falling in mid-January, mid-April, mid-July, and mid-October.

ING (ING) Next Earnings Date

The next expected earnings date for ING is October 29, 2026. It is expected to cover Q3 2026 results. ING has not always formally confirmed the date in advance, but its reporting pattern points to late October for the third-quarter release.

BNY (BK) Next Earnings Date

The next earnings date for BK is expected on October 15, 2026. That report should cover third-quarter 2026 results. BNY’s historical schedule also shows quarterly earnings releases typically falling in mid-January, mid-April, mid-July, and mid-October.

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Which Baskets Do They Appear In?

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ING vs BNY

Comparison Snapshot

Why It’s Moving

ING stays firm on buybacks and upgrades, but analysts still flag room for a pullback.

BK is getting a lift from strong earnings momentum, firmer guidance, and capital-return moves.

ING stays firm on buybacks and upgrades, but analysts still flag room for a pullback.

BK is getting a lift from strong earnings momentum, firmer guidance, and capital-return moves.