ING BANK N.V. financials
ING BANK N.V.
Country: NL Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
3TK20IVIUJ8J3ZU0QE75 Financial statements
(EUR, as reported — unscaled; 102 line items across 3 annual periods)
| Line item | 2025 | 2024 | 2023 |
|---|---|---|---|
| Income statement | |||
| Revenue | €22.89B | €22.33B | €22.40B |
| Operating expenses | €13.88B | €13.31B | €12.08B |
| Employee benefits expense | €7.60B | €7.18B | €6.72B |
| Profit before tax | €9.01B | €9.03B | €10.32B |
| Income tax expense | €2.51B | €2.58B | €2.93B |
| Profit for the year | €6.50B | €6.45B | €7.39B |
| — attributable to owners | €6.23B | €6.19B | €7.16B |
| — attributable to NCI | €275.0M | €258.0M | €235.0M |
| Total comprehensive income | €6.53B | €7.80B | €8.38B |
| Cash flow statement | |||
| Net cash from operating activities | -€11.14B | -€25.11B | -€7.68B |
| Income taxes paid | €2.25B | €2.75B | €2.70B |
| Net cash from investing activities | -€15.70B | -€6.03B | -€8.54B |
| Purchase of PP&E (capex) | €351.0M | €332.0M | €246.0M |
| Net cash from financing activities | €13.01B | €7.93B | €14.75B |
| Dividends paid | €1.32B | €5.24B | €10.27B |
| Lease liability payments | €282.0M | €290.0M | €291.0M |
| Net change in cash | -€13.83B | -€23.20B | -€1.48B |
| Balance sheet | |||
| Total assets | €1.05T | €1.02T | — |
| Intangible assets & goodwill | €1.51B | €1.33B | — |
| Cash & equivalents | €54.15B | €69.07B | €93.01B |
| Total equity | €49.00B | €43.74B | €41.13B |
| — attributable to owners | €47.74B | €42.74B | — |
| Non-controlling interests | €1.25B | €995.0M | — |
| Deferred tax liabilities | €365.0M | €287.0M | — |
| Derived metrics | |||
| Free cash flow | -€11.49B | -€25.44B | -€7.93B |
| Net margin | 28.4% | 28.9% | 33.0% |
| Return on equity | 13.3% | 14.7% | 18.0% |
| Cash conversion ratio | -1.71× | -3.90× | -1.04× |
| Capex coverage | -31.74× | -75.62× | -31.23× |
| Other reported items | |||
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €17.21B | -€12.66B | -€3.37B |
| Adjustments For Decrease Increase In Loans and Advances To Banks | €3.55B | -€7.74B | €12.69B |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€58.38B | -€34.42B | -€5.82B |
| Adjustments For Decrease Increase In Other Assets | -€915.0M | €265.0M | €1.72B |
| Adjustments For Depreciation and Amortisation Expense | €665.0M | €673.0M | €674.0M |
| Adjustments For Fair Value Gains Losses | €3.44B | -€780.0M | -€2.84B |
| Adjustments For Increase Decrease In Deposits From Banks | €1.10B | -€7.82B | -€31.80B |
| Adjustments For Increase Decrease In Deposits From Customers | €31.49B | €38.92B | €12.54B |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€11.83B | -€1.96B | -€1.87B |
| Cash and Bank Balances At Central Banks | €52.89B | €70.35B | €90.21B |
| Comprehensive Income Attributable To Noncontrolling Interests | €456.0M | €303.0M | €444.0M |
| Comprehensive Income Attributable To Owners of Parent | €6.08B | €7.50B | €7.93B |
| Current Tax Assets | €491.0M | €599.0M | — |
| Current Tax Liabilities | €411.0M | €276.0M | — |
| Debt Securities | €103.12B | €94.46B | — |
| Deferred Tax Assets | €893.0M | €1.07B | — |
| Deposits From Banks | €18.52B | €16.72B | — |
| Deposits From Customers | €724.71B | €699.73B | — |
| Dividends Paid Ordinary Shares | €1.13B | €4.99B | €10.27B |
| Dividends Received | €319.0M | €235.0M | €205.0M |
| Dividends Recognised As Distributions To Owners Per Share | €2.43 | €10.72 | €22.08 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€1.09B | -€740.0M | -€898.0M |
| Equity and Liabilities | €1.05T | €1.02T | — |
| Fee and Commission Expense | €1.70B | €1.60B | €1.51B |
| Fee and Commission Income | €6.29B | €5.60B | €5.10B |
| Fee and Commission Income Expense | €4.60B | €4.00B | €3.59B |
| Financial Assets At Amortised Cost | €53.87B | €50.27B | — |
| Financial Assets At Fair Value Through Other Comprehensive Income | €56.66B | €46.39B | — |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €55.73B | €72.91B | — |
| Financial Assets At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €3.45B | €5.74B | — |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €72.32B | €56.48B | — |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €23.43B | €35.26B | — |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €55.76B | €49.54B | — |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €0 | -€2.0M | €3.0M |
| Increase Decrease Through Sharebased Payment Transactions | €52.0M | €45.0M | €30.0M |
| Increase Decrease Through Transfers and Other Changes Equity | €2.0M | -€1.0M | -€5.0M |
| Interest Expense | €36.51B | €44.16B | €36.42B |
| Interest Expense On Other Financial Liabilities | €6.65B | €8.99B | €7.73B |
| Interest Income On Other Financial Assets | €7.57B | €9.69B | €7.74B |
| Interest Paid Classified As Operating Activities | €37.84B | €41.46B | €33.86B |
| Interest Received Classified As Operating Activities | €51.60B | €57.20B | €51.03B |
| Interest Revenue Calculated Using Effective Interest Method | €43.48B | €49.22B | €44.49B |
| Interest Revenue Expense | €14.54B | €14.75B | €15.81B |
| Investment Accounted For Using Equity Method | €1.61B | €1.68B | — |
| Investment Income | €129.0M | €13.0M | €95.0M |
| Liabilities | €1.01T | €976.99B | — |
| Loans and Advances To Banks | €21.20B | €21.77B | — |
| Loans and Advances To Customers | €721.78B | €680.30B | — |
| Other Adjustments For Noncash Items | -€427.0M | €1.13B | €447.0M |
| Other Assets | €7.96B | €6.93B | — |
| Other Comprehensive Income | €30.0M | €1.35B | €986.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | €763.0M | €383.0M | €1.14B |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€34.0M | -€46.0M | -€39.0M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -€774.0M | €563.0M | -€85.0M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | -€364.0M | €664.0M | -€30.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€4.0M | -€16.0M | -€85.0M |
| Other Comprehensive Income Net of Tax Gains Losses On Revaluation | €7.0M | €3.0M | €10.0M |
| Other Liabilities | €10.76B | €10.60B | — |
| Other Reserves | -€675.0M | €78.0M | — |
| Proceeds From Issue of Bonds Notes and Debentures | €142.97B | €115.31B | €110.48B |
| Proceeds From Issue of Subordinated Liabilities | €3.73B | €4.60B | €2.23B |
| Proceeds From Sales of Investments Accounted For Using Equity Method | €225.0M | €107.0M | €164.0M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €39.0M | €50.0M | €57.0M |
| Property Plant and Equipment Including Rightofuse Assets | €2.48B | €2.43B | — |
| Provisions | €913.0M | €752.0M | — |
| Purchase of Interests In Investments Accounted For Using Equity Method | €1.0M | €26.0M | €55.0M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | €21.0M | -€63.0M | -€9.0M |
| Repayments of Bonds Notes and Debentures | €130.00B | €109.36B | €86.06B |
| Repayments of Subordinated Liabilities | €2.81B | €2.93B | €2.89B |
| Retained Earnings | €31.35B | €25.60B | — |
| Revenue From Interest | €51.05B | €58.91B | €52.23B |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €209.0M | €205.0M | €149.0M |
| Subordinated Liabilities | €18.10B | €17.88B | — |
Methodology
Every line item above is a fact tagged in ING BANK N.V.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.