ING vs BNY
ING and BNY Mellon are examined side by side on this page, with a focus on business models, financial performance, and market context. The analysis is presented in neutral, accessible language to help readers understand how the two organisations operate. Educational content, not financial advice.
ING and BNY Mellon are examined side by side on this page, with a focus on business models, financial performance, and market context. The analysis is presented in neutral, accessible language to help...
Why It's Moving
ING Accelerates €1.1B Share Buyback, Signaling Confidence in Steady Growth.
- Repurchased 1,710,214 shares during December 1-5 at an average €22.64 per share, advancing the program to 22.88% complete with €251.7 million spent so far.
- Total buybacks to date hit 11,382,155 shares at €22.11 average, reducing share capital and potentially lifting earnings per share for investors.
- Program, launched October 30, reflects ING's strong CET1 ratio and commitment to 50% payout of resilient net profit, aligning with ECB guidelines.
BNY Mellon Stock Surges to New 52-Week High on Momentum and Rate Cut Signal.
- Shares climbed to $118.88 on December 10-11, outpacing analyst targets and signaling sustained demand for BNY's custody and asset management services.
- BNY lowered its prime lending rate by 25 basis points to 6.75% effective December 11, potentially easing borrowing costs and supporting client growth.
- Analysts raised price targets with a 'Moderate Buy' consensus, driven by solid earnings outlook and international revenue expansion.
ING Accelerates €1.1B Share Buyback, Signaling Confidence in Steady Growth.
- Repurchased 1,710,214 shares during December 1-5 at an average €22.64 per share, advancing the program to 22.88% complete with €251.7 million spent so far.
- Total buybacks to date hit 11,382,155 shares at €22.11 average, reducing share capital and potentially lifting earnings per share for investors.
- Program, launched October 30, reflects ING's strong CET1 ratio and commitment to 50% payout of resilient net profit, aligning with ECB guidelines.
BNY Mellon Stock Surges to New 52-Week High on Momentum and Rate Cut Signal.
- Shares climbed to $118.88 on December 10-11, outpacing analyst targets and signaling sustained demand for BNY's custody and asset management services.
- BNY lowered its prime lending rate by 25 basis points to 6.75% effective December 11, potentially easing borrowing costs and supporting client growth.
- Analysts raised price targets with a 'Moderate Buy' consensus, driven by solid earnings outlook and international revenue expansion.
Which Baskets Do They Appear In?
European Financial Consolidation
BNP Paribas's acquisition of AXA Investment Managers could trigger a wave of mergers in European finance. These carefully selected stocks represent potential buyers and targets in banking, insurance, and asset management as the industry reshapes for the future.
Published: July 2, 2025
Explore BasketWhich Baskets Do They Appear In?
European Financial Consolidation
BNP Paribas's acquisition of AXA Investment Managers could trigger a wave of mergers in European finance. These carefully selected stocks represent potential buyers and targets in banking, insurance, and asset management as the industry reshapes for the future.
Published: July 2, 2025
Explore BasketInvestment Analysis
ING
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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