Dividend policy & payments

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ING dividend policy

ING is committed to maintaining a healthy Group CET1 ratio above the prevailing fully-loaded requirement, plus a comfortable management buffer (to include Pillar 2 Guidance). ING aims to pay a progressive dividend.

The aim is to pay an interim dividend with our half year results, as well as a final dividend each year, both in cash. Dividend proposals will reflect considerations including expected future capital requirements, growth opportunities available to the Group, net earnings, and regulatory developments.

Payments per share represent gross amounts which are subject to Dutch dividend withholding tax. The full year dividend needs to be approved by the shareholders at the Annual General Meeting.

Euronext Amsterdam
Financial year Dividend type Amount (€) Record date Payment date
2019 Interim 0.24 06/08/2019 12/08/2019
Final TBD** TBD TBD
Total TBD**    
2018 Interim 0.24 07/08/2018 14/08/2018
Final 0.44 26/04/2019 02/05/2019
Total 0.68    
2017 Interim 0.24 07/08/2017 14/08/2017
Final 0.43 26/04/2018 03/05/2018
Total 0.67    
2016 Interim 0.24 08/08/2016 15/08/2016
Final 0.42 11/05/2017 18/05/2017
Total 0.66    
2015 Interim 0.24 10/08/2015 17/08/2015
Final 0.41 28/04/2016 04/05/2016
Total 0.65    
2014 Interim - - -
Final 0.12 14/05/2015 21/05/2015
Total 0.12    

New York Stock Exchange (ADR holders*)
Financial year Dividend type Amount ($) Record date Payment date
2019 Interim 0.27 12/08/2019 19/08/2019
Final TBD** TBD TBD
Total TBD**    
2018 Interim 0.27 13/08/2018 21/08/2018
Final 0.49 26/04/2019 09/05/2019
Total 0.76    
2017 Interim 0.28 14/08/2017 21/08/2017
Final 0.51 26/04/2018 11/05/2018
Total 0.79    
2016 Interim 0.27 15/08/2016 22/08/2016
Final 0.47 11/05/2017 25/05/2017
Total 0.74    
2015 Interim 0.27 17/08/2015 24/08/2015
Final 0.47 28/04/2016 11/05/2016
Total 0.74    
2014 Interim - - -
Final 0.13 14/05/2015 29/05/2015
Total 0.13    

* ADR dividends are presented rounded to the second decimal. More information on American Depository Receipts and related dividends can be found at https://www.adr.com/drprofile/456837103. The applicable foreign exchange rate, and thus the final amount, is determined at the time of the dividend payment.
** In March 2020, ING Group announced that it would suspend any payment of dividends until 1 October 2020, following an industry-wide recommendation from the ECB. The ECB subsequently updated their recommendation at the end of July, extending the timeframe for suspension of dividend payments until 1 January 2021. ING is well capitalised, above regulatory requirements, but in line with the ECB’s recommendations, any dividend payment by ING will be delayed until after 1 January 2021.

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