What is ING Groep N.V.'s Shariah compliance score?

ING Groep N.V.'s (ING) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does ING Groep N.V. pass AAOIFI screening?

ING Groep N.V. (ING) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (ING: 177.9%), (3) interest-bearing deposits below 30% (ING: 111.7%), and (4) prohibited income below 5% (ING: 63.7%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for ING Groep N.V. stock?

ING Groep N.V. (ING) has a non-permissible income ratio of 63.73%. Muslim investors should purify this percentage of any dividends received and capital gains realized from ING shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen ING Groep N.V. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for ING Groep N.V. (ING) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about ING's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

ING: Is ING Groep N.V. Halal?

ING Groep N.V.

NYSEFinancial ServicesNL

$29.68

+3.38%

Market Cap: 85.4B

Compliance Status

Not Halal

Screened on Jul 19, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is ING Groep N.V. (ING) halal? Not Halal. Based on AAOIFI screening, ING Groep N.V. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

177.9% of 30.0% limit

What this means for you

Most scholars advise not holding ING

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About ING Groep N.V.

ING Groep N.V. functions as a prominent global financial services institution, offering a comprehensive suite of banking products and solutions across a vast international footprint. Its operations extend throughout the Netherlands, Belgium, Germany, Poland, other European countries, North America, Latin America, Asia, and Australia. The company organizes its business into six distinct segments: Retail Banking focused on the Netherlands, Belgium, Germany, and other regions, in addition to its Wholesale Banking and Corporate Line Banking divisions. ING facilitates various client deposits, including checking and savings accounts, and extends credit options to both businesses and individual consumers. These lending products encompass residential mortgage loans, term loans, revolving credit facilities, and personal loans. Furthermore, its extensive offerings include debt and equity capital market services, working capital solutions, export finance, and daily banking conveniences. The firm also provides expertise in treasury and risk management, corporate finance advisory, specialized lending, and general financing. Customers can also utilize payment and cash management systems, international trade services, and a full array of digital banking experiences, alongside its savings, investment, insurance, and mortgage product lines. ING serves a diverse clientele, including individual customers, a broad spectrum of corporate entities—from small and medium-sized enterprises to mid-market corporations—and other financial institutions. The organization, founded in 1762, is headquartered in Amsterdam, the Netherlands.

Sector: Financial Services · Industry: Banks - Diversified

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 19, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Diversified

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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Sprott Physical Gold Trust

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Free · No credit card required

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Frequently Asked Questions

Is ING Groep N.V. (ING) halal to invest in?

ING Groep N.V. (ING) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did ING Groep N.V. get a F compliance rating?

ING Groep N.V. (ING) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 177.9% (limit 30%); interest-bearing deposits of 111.7% (limit 30%); prohibited income of 63.73% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change ING Groep N.V.'s Shariah verdict?

ING Groep N.V.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is ING Groep N.V. re-screened for Shariah compliance?

ING Groep N.V. (ING) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 19, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.