ING Germany's profits dip again as AI mortgages promise 30-minute approvals

Profit drops can't slow ING's innovation. A bold AI mortgage tool aims to revolutionize home loans—without cutting jobs or human oversight.

, and Administrator

2026 January 29 . 7:24 PM

1 min read

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ING will check construction loans with AI in 30 minutes - ING Germany's profits dip again as AI mortgages promise 30-minute approvals

ING Germany has reported a second straight year of falling profits, despite growth in its customer base. The bank's pre-tax earnings dropped to €1.9 billion in 2025, down from €2.12 billion the previous year. Meanwhile, it is rolling out a new AI-powered mortgage system to speed up loan approvals significantly.

The bank's net income also declined, falling from €1.43 billion in 2024 to €1.3 billion in 2025. This marks the second consecutive annual decrease in profitability. Yet, the number of private customers grew, rising from 9.9 million to 10.1 million by the end of 2025.

New mortgage commitments surged by 30%, reaching €14.4 billion in 2025. To handle this demand, ING is introducing an 'Instant Mortgage' system. The AI-driven tool will automatically pull property data and assess creditworthiness, cutting approval times to around 30 minutes.

The system will launch exclusively through ING's subsidiary, Interhyp. While AI will streamline the process, the bank has stressed that humans will retain control over final lending decisions. ING has also confirmed that AI adoption will not lead to job cuts.

The 'Instant Mortgage' system aims to make loan approvals faster and more efficient. Despite lower profits, ING Germany's customer growth and increased mortgage activity suggest strong demand for its services. The bank remains focused on balancing automation with human oversight in its lending process.