ING Groep NV (ING) KPIs and segments

INGNYSECommercial Banks, NECFiscal year ends December 31Also trades as INGVF

Financials through fiscal 2025, year ended Dec 31, 2025Score 6/30

$33.22+0.19 (+0.58%)

Close on Nov 13, 2026Market cap $96.42BP/E 10.7Yield 3.65%

KPIs & segments

Operating metrics and segments that drive ING Groep's business · fiscal year ends December 31

ING Groep KPIs at a glance: 89 operating metrics, including Total Retail Banking Customers, Retail Assets Under Management & e-Brokerage and Digi Index Score — Straight, drawn from 286 source documents, alongside revenue by segment, product and region from SEC filings. Each figure links to the document it came from. All metrics shows the full sheet; Core narrows it to segments and headline KPIs. The segment tables also offer a trailing-twelve-month view.

The chart is empty. Tick the box next to any metric in the table below to plot it — tick several to compare them on one chart.

Segments, headline KPIs and every operating metric from filings, earnings releases and presentations.

Metric	Q3 2026	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023

Netherlands(€M)				305,860				301,955				294,485
Germany(€M)				185,220				174,500				171,899
Belgium(€M)				137,372				136,765				128,391
United Kingdom(€M)				63,746				59,615				50,572
United States(€M)				61,483				65,197				66,143
Poland(€M)				61,344				56,090				52,134
Australia(€M)				55,976				53,895				52,734
Spain(€M)				38,580				35,917				33,092
Singapore(€M)				38,414				34,593				26,816
Italy(€M)				20,309				16,444				14,832
Romania(€M)				14,151				12,937				11,496
Luxembourg(€M)				14,150				13,961				14,435
Switzerland(€M)				9,641				9,086				8,501
South Korea(€M)				8,343				8,050				6,167
France(€M)				7,876				7,928				8,458
Japan(€M)				7,401				9,570				14,267
Taiwan(€M)				6,054				3,507				2,597
Türkiye(€M)				4,958				4,897				4,770
Ireland(€M)				4,048				3,593				3,907
Czechia(€M)				3,561				3,382				3,191
Hong Kong SAR China(€M)				3,469				3,512				4,378
Hungary(€M)				2,183				2,179				1,893
China(€M)				1,129				1,935				998
Russia(€M)				1,086				764				925
Austria(€M)				845				394				383
Portugal(€M)				714				815				620
Slovakia(€M)				686				612				618
Bulgaria(€M)				611				570				530
Ukraine(€M)				567				651				590
Philippines(€M)				496				477				403
Brazil(€M)				55				63				73
Sri Lanka(€M)				2				0				0
United Arab Emirates(€M)				1				1				1
Mexico(€M)				0				0				0
Canada(€M)								0				0

Total Retail Banking Customers (9 Retail Markets, EOP)(M)4	41.4	41.2	40.8	40.6	40.5	40.4	40.1	39.7
Primary Customers — Total Retail Banking (EOP)(M)	17.6	17.4	17.1	17	16.7	16.6	16.3	16.2
Mobile Primary Customers — Total Retail Banking (EOP)(M)	16.2	15.9	15.5	15.4	15.1	14.9	14.5	14.4
Net Mobile Primary Customer Growth (Rolling 4Q / Annual)	1,115,000	1,055,000	989,000	1,033,000	1,115,000	1,106,000	1,044,000	1,052,000
Retail Customers Using 3+ Products (% of Total Customers)(%)	22.0%	21.9%	21.7%	21.6%	21.3%
Retail Assets Under Management & e-Brokerage (EOP)(€M)2	328,000	322,000	281,000	278,000	268,000	254,000	243,000	239,000	232,000	225,000	219,000	203,000
Average Funds Entrusted per Private Individual Customer (Deposits + AuM)(€)2	20,700	20,800	19,600	19,200	19,100
Average Customer Deposits per Private Individual Customer(€)	12,900	13,100	12,800	12,400	12,600
Average AuM & e-Brokerage per Private Individual Customer(€)	7,800	7,700	6,800	6,700	6,500
Annualized Fee Income per Private Individual Customer (Rolling 4Q)(€)	63.30	62.30	60.50	59.20	55.70

Commercial Net Interest Income — ING Group(€M)4	4,335	4,174	4,060	3,928	3,823	3,772	3,794	3,749	3,897	3,917	3,897	3,908
Lending Net Interest Income (Net of Internal Funds Transfer Pricing)(€M)	2,309	2,281	2,265	2,224	2,149	2,113	2,109	2,119	2,103	2,138	2,102
Liability Net Interest Income (Savings, Deposits & Current Accounts)(€M)	2,027	1,892	1,795	1,704	1,674	1,659	1,685	1,630	1,794	1,779	1,795
Other Net Interest Income (Financial Markets, Treasury & Volatile Items)(€M)	-73.5	-47.1	-4.80	-110	-118	-236	-172	-68.9	-208	-86.9	-72.5	-33.3
Total Net Interest Income — ING Group (IFRS-EU)(€M)	4,262	4,127	4,055	3,818	3,705	3,536	3,622	3,680	3,689	3,830	3,825	3,875
Commercial Net Interest Margin (Commercial NIM, bps)(bps)6	231	226	226	223	222	223	226	226	238	242	243
Commercial Net Interest Margin (%)(%)	2.3%	2.3%	2.3%	2.2%	2.2%	2.2%	2.3%	2.3%	2.4%	2.4%	2.4%	2.4%
Total Net Interest Margin — ING Group (%)(%)	1.5%	1.4%	1.5%	1.4%	1.4%	1.3%	1.4%	1.4%	1.4%	1.5%	1.5%	1.5%
Average Lending Margin (bps)(bps)	123	124	126	126	125	125	125	128	128	132	131
Average Liability Margin (bps)(bps)	113	107	104	99	99	98	101	100	112	112	116
Average Customer Lending excl. Financial Markets & Treasury(€M)	752,000	738,000	719,000	705,000	689,000	676,000	673,000	664,000	655,000	647,000	642,000
Average Customer Deposits excl. Financial Markets & Treasury(€M)	718,000	710,000	689,000	686,000	678,000	680,000	668,000	652,000	643,000	637,000	620,000
Net Fee and Commission Income — ING Group (IFRS-EU)(€M)4	1,273	1,278	1,236	1,221	1,165	1,122	1,094	1,001	1,009	999	998	879
Fee Income by Product Category — Daily Banking & Payment Packages(€M)	457	449	441	414	418	409	392	378	376	365	348	338
Fee Income by Product Category — Lending Fees(€M)	366	322	297	349	322	264	243	254	244	255	261	220
Fee Income by Product Category — Investment Products(€M)	339	377	354	310	290	288	308	245	250	240	251
Fee Income by Product Category — Insurance Products(€M)	80	78	79	74	68	69	69	62	60	64
Total Income — ING Group (IFRS-EU)(€M)4	6,227	6,284	5,823	5,797	5,898	5,702	5,637	5,407	5,909	5,716	5,583	5,408
Valuation Results and Net Trading Income (IFRS-EU)(€M)	517	709	479	697	885	955	885	749	1,049	889	721	605
Investment Income (IFRS-EU)(€M)	90.7	54.3	6.80	15.2	65.8	20.8	27.2	-62.5	51.5	16.1	7.70	-24.1
Other Income (IFRS-EU)(€M)	84.6	117	46.5	47.4	77.2	68.7	8.60	40.1	111	-17.9	31.3	73.8
All Other Income (Investment + Valuation/Trading + Other Income)(€M)	602	825	526	744	962	1,023	893	789	1,160	871	752	679
Total Operating Expenses — ING Group (IFRS-EU)(€M)3	3,119	3,086	3,219	3,337	3,012	3,034	3,200	3,337	2,904	2,848	3,032	3,075
Operating Expenses excluding Regulatory Costs2
Staff Expenses(€M)	1,959	1,944	1,921	1,935	1,916	1,888	1,861	1,881	1,816	1,781	1,706	1,716
Other Operating Expenses(€M)	1,085	1,064	974	1,042	1,030	1,068	978	1,108	1,000	979	968	1,042
Regulatory Costs (Bank Taxes, Deposit Guarantee Schemes & Resolution Funds)(€M)	75.3	78.1	324	361	66.8	77.6	361	347	88.4	87.7	358	317
Cost/Income Ratio — ING Group(%)	50.1%	49.1%	55.3%	57.6%	51.1%	53.2%	56.8%	61.7%	49.2%	49.8%	54.3%	56.9%
Gross Result (Pre-Provision Operating Profit — ING Group)(€M)7	3,108	3,198	2,604	2,460	2,886	2,668	2,437	2,070	3,005	2,869	2,551	2,333
Addition to Loan Loss Provisions (Risk Costs)(€M)	404	279	346	365	326	299	313	299	336	300	259	86
Risk Costs in bps of Average Customer Lending(bps)	21	15	19	20	19	17	18	18	20	18	16	5
Taxation — ING Group (IFRS-EU)(€M)	790	902	652	606	703	633	604	542	724	731	653	621
Non-Controlling Interests — ING Group (IFRS-EU)(€M)	64.5	70.6	49.5	78.3	69.8	62.2	64.6	74.1	65	57.3	61.1	68.4
Net Result Attributable to Shareholders — ING Group (IFRS-EU)(€M)	1,850	1,947	1,556	1,411	1,787	1,675	1,455	1,154	1,880	1,780	1,578	1,558
Return on IFRS-EU Shareholders' Equity (ROE)(%)	17.3%	18.1%	14.4%	13.5%	17.0%	15.9%	13.9%	11.4%	18.2%	17.3%	15.7%	16.3%
Return on Tangible Equity (ROTE)(%)	16.3%	17.0%	13.6%	12.2%	15.4%	14.3%	12.3%	9.7%

Retail Banking Netherlands — Total Customers (EOP)(M)7	7.80	7.80	7.80	7.80	7.80	7.70	7.70	7.70
Primary Customers — Netherlands(M)	5.10	5	5	5	4.90	4.90	4.90	4.90
Mobile Primary Customers — Netherlands(M)	4.50	4.40	4.40	4.40	4.30	4.30	4.20	4.20
Mobile Primary Customer Growth (Rolling 4Q, k) — Netherlands	187,000	177,000	172,000	176,000	172,000	170,000	171,000	174,000
Customer Lending (EOP) — Netherlands(€M)	191,200	188,900	183,400	179,200	175,400	171,900	168,000	164,300
Net Core Lending Growth (Rolling 4Q) — Netherlands(€M)	16,400	16,500	15,900	16,200	15,500	14,700	12,300	9,600
Customer Deposits (EOP) — Netherlands(€M)	229,300	233,400	223,600	209,100	220,000	218,300	215,200	200,700
Risk-Weighted Assets (EOP) — Netherlands(€M)	55,000	57,200	55,700	54,500	53,700	53,300	52,900	52,600
Retail Banking Germany — Total Customers (EOP)(M)7	9.60	9.50	9.40	9.40	9.40	9.40	9.30	9.20
Primary Customers — Germany(M)	3.50	3.40	3.30	3.30	3.20	3.10	3	3
Mobile Primary Customers — Germany(M)	3.10	3	3	2.90	2.80	2.70	2.70	2.60
Mobile Primary Customer Growth (Rolling 4Q, k) — Germany	342,000	291,000	294,000	319,000	312,000	318,000	293,000	314,000
Customer Lending (EOP) — Germany(€M)	120,600	119,700	117,400	116,600	115,500	113,300	111,700	110,200
Net Core Lending Growth (Rolling 4Q) — Germany(€M)	8,600	7,800	7,300	6,900	6,600	5,900	5,200	4,400
Customer Deposits (EOP) — Germany(€M)	164,200	166,400	159,200	157,700	157,200	165,500	166,400	151,100
Risk-Weighted Assets (EOP) — Germany(€M)	31,400	30,300	29,900	28,700	28,100	27,700	28,300	26,600
Retail Banking Belgium (incl. Luxembourg) — Total Customers (EOP)(M)7	2.40	2.40	2.40	2.40	2.50	2.50	2.50	2.40
Primary Customers — Belgium (incl. Luxembourg)(M)	1.20	1.20	1.10	1.20	1.20	1.20	1.10	1.10
Mobile Primary Customers — Belgium (incl. Luxembourg)(M)	1	1	0.90	1	1	0.90	0.90	0.90
Mobile Primary Customer Growth (Rolling 4Q, k) — Belgium (incl. Luxembourg)	58,000	64,000	36,000	48,000	47,000	47,000	53,000	30,000
Customer Lending (EOP) — Belgium (incl. Luxembourg)(€M)	96,800	98,200	97,000	100,100	98,700	99,800	98,000	98,300
Net Core Lending Growth (Rolling 4Q) — Belgium (incl. Luxembourg)(€M)	2,700	2,500	2,400	2,000	1,000	2,000	3,300	3,700
Customer Deposits (EOP) — Belgium (incl. Luxembourg)(€M)	97,200	96,300	97,000	96,500	96,400	98,000	97,000	97,100
Risk-Weighted Assets (EOP) — Belgium (incl. Luxembourg)(€M)	35,300	36,500	35,100	36,200	35,500	35,700	35,800	36,200
Retail Banking Poland — Total Customers (EOP)(M)7	4.60	4.60	4.50	4.50	4.50	4.50	4.40	4.40
Primary Customers — Poland(M)	2.40	2.40	2.40	2.40	2.30	2.30	2.30	2.30
Mobile Primary Customers — Poland(M)	2.30	2.20	2.20	2.20	2.10	2.10	2.10	2
Mobile Primary Customer Growth (Rolling 4Q, k) — Poland	130,000	146,000	135,000	132,000	141,000	137,000	134,000	134,000
Customer Lending (EOP) — Poland(€M)	35,700	34,200	33,000	32,800	33,000	31,800	31,800	30,000
Net Core Lending Growth (Rolling 4Q) — Poland(€M)	2,300	2,500	2,700	2,600	2,500	2,100	1,700	1,500
Customer Deposits (EOP) — Poland(€M)	56,600	55,600	53,600	50,400	49,900	50,800	48,700	46,500
Risk-Weighted Assets (EOP) — Poland(€M)	24,200	24,100	23,400	23,500	22,100	22,200	22,300	20,700
Retail Banking Spain — Total Customers (EOP)(M)7	4.70	4.70	4.60	4.60	4.60	4.50	4.50	4.40
Primary Customers — Spain(M)	1.90	1.90	1.80	1.80	1.80	1.70	1.70	1.70
Mobile Primary Customers — Spain(M)	1.90	1.80	1.80	1.70	1.70	1.60	1.60	1.60
Mobile Primary Customer Growth (Rolling 4Q, k) — Spain	176,000	177,000	157,000	165,000	202,000	172,000	167,000	152,000
Customer Lending (EOP) — Spain(€M)	31,300	30,900	30,400	29,900	29,400	28,800	28,200	27,500
Net Core Lending Growth (Rolling 4Q) — Spain(€M)	2,000	2,100	2,100	2,400	2,500	1,500	2,000	1,400
Customer Deposits (EOP) — Spain(€M)	56,600	56,900	56,600	55,500	53,800	53,900	52,800	51,600
Risk-Weighted Assets (EOP) — Spain(€M)	10,500	10,200	10,400	10,100	10,000	9,900	9,600	9,500
Retail Banking Australia — Total Customers (EOP)(M)7	2.90	2.80	2.80	2.80	2.80	2.80	2.80	2.70
Primary Customers — Australia(M)	1.10	1.20	1.20	1.20	1.20	1.10	1.10	1.10
Mobile Primary Customers — Australia(M)	1.10	1.10	1.10	1.10	1.10	1.10	1.10	1.10
Mobile Primary Customer Growth (Rolling 4Q, k) — Australia	1,000	22,000	35,000	42,000	44,000	51,000	64,000	77,000
Customer Lending (EOP) — Australia(€M)	49,100	47,800	46,100	43,300	41,400	39,600	39,400	40,200
Net Core Lending Growth (Rolling 4Q) — Australia(€M)	4,000	4,600	5,200	5,000	4,100	3,800	3,200	2,700
Customer Deposits (EOP) — Australia(€M)	38,400	36,200	35,700	33,400	32,700	32,200	33,200	34,200
Risk-Weighted Assets (EOP) — Australia(€M)	8,800	8,500	8,300	8,200	7,800	7,700	7,800	7,600
Retail Banking Romania — Total Customers (EOP)(M)7	1.90	1.90	1.90	1.80	1.80	1.80	1.80	1.80
Primary Customers — Romania(M)	1.10	1.10	1.10	1.10	1	1	1	1
Mobile Primary Customers — Romania(M)	1.10	1.10	1	1	1	1	0.90	0.90
Mobile Primary Customer Growth (Rolling 4Q, k) — Romania	111,000	105,000	94,000	100,000	95,000	95,000	86,000	94,000
Customer Lending (EOP) — Romania(€M)	7,200	7,200	7,300	7,500	7,200	7,100	7,400	7,000
Net Core Lending Growth (Rolling 4Q) — Romania(€M)	400	300	200	300	500	1,000	1,100	1,000
Customer Deposits (EOP) — Romania(€M)	12,500	12,700	12,300	13,100	11,700	12,300	11,900	12,900
Risk-Weighted Assets (EOP) — Romania(€M)	5,400	5,400	5,300	5,100	5,100	5,000	5,000	4,600
Retail Banking Italy — Total Customers (EOP)(M)7	1.40	1.40	1.40	1.30	1.30	1.30	1.30	1.30
Primary Customers — Italy(M)	0.60	0.60	0.60	0.60	0.50	0.50	0.50	0.50
Mobile Primary Customers — Italy(M)	0.60	0.60	0.50	0.50	0.50	0.50	0.50	0.50
Mobile Primary Customer Growth (Rolling 4Q, k) — Italy	61,000	46,000	42,000	36,000	76,000	75,000	69,000	77,000
Customer Lending (EOP) — Italy(€M)	15,100	14,500	13,700	12,900	12,000	11,400	10,900	10,600
Net Core Lending Growth (Rolling 4Q) — Italy(€M)	3,100	3,100	2,700	2,300	1,800	1,600	1,400	1,200
Customer Deposits (EOP) — Italy(€M)	18,200	17,800	17,600	17,800	17,600	17,100	14,700	15,100
Risk-Weighted Assets (EOP) — Italy(€M)	6,300	6,100	5,700	5,700	5,400	5,300	4,700	4,900
Retail Banking Türkiye — Total Customers (EOP)(M)7	6	6	6	6	5.90	5.90	5.80	5.70
Primary Customers — Türkiye(M)	0.70	0.60	0.60	0.60	0.60	0.60	0.60	0.60
Mobile Primary Customers — Türkiye(M)	0.60	0.60	0.60	0.60	0.60	0.60	0.60	0.60
Mobile Primary Customer Growth (Rolling 4Q, k) — Türkiye	49,000	29,000	25,000	16,000	26,000	41,000	8,000	1,000
Customer Lending (EOP) — Türkiye(€M)	2,500	2,400	2,200	2,000	2,000	1,900	1,900	1,900
Net Core Lending Growth (Rolling 4Q) — Türkiye(€M)	800	800	700	700	800	800	600	400
Customer Deposits (EOP) — Türkiye(€M)	3,400	2,900	3,100	3,200	3,100	2,700	3,200	2,900
Risk-Weighted Assets (EOP) — Türkiye(€M)	3,000	2,800	2,700	2,400	2,500	2,500	2,400	2,300

Retail Banking Total — Total Income(€M)13	4,244	4,369	4,039	4,039	3,880	3,832	3,791	3,661	3,975	3,863	3,757	3,693
Retail Banking Total — Commercial Net Interest Income(€M)	3,248	3,118	3,021	2,913	2,839	2,808	2,787	2,810	2,913	2,889	2,894	2,853
Retail Banking Total — Total Net Interest Income (IFRS-EU)(€M)	3,271	3,171	3,091	2,920	2,792	2,766	2,772	2,789	2,853	2,874	2,933	2,795
Retail Banking Total — Net Fee and Commission Income(€M)	859	880	862	863	783	762	760	681	689	678	646	586
Retail Banking Total — Investment, Trading & Other Income(€M)	115	294	82.7	243	300	298	253	231	482	301	172	332
Retail Banking Total — Total Operating Expenses(€M)2	2,039	2,006	2,145	2,160	1,981	1,921	2,173	2,107	1,904	1,947	2,072	2,043
Retail Banking Total — Operating Expenses excl. Regulatory Costs(€M)	1,984	1,949	1,871	1,950	1,932	1,854	1,851	1,901	1,834	1,877	1,750	1,836
Retail Banking Total — Regulatory Costs(€M)	55.7	57	274	210	48.8	66.1	322	206	70.8	70.4	321	207
Retail Banking Total — Gross Result (Pre-Provision Profit)(€M)	2,205	2,364	1,895	1,879	1,899	1,911	1,619	1,554	2,071	1,916	1,686	1,650
Retail Banking Total — Addition to Loan Loss Provisions (Risk Costs)(€M)	192	131	275	177	192	210	175	158	145	98.4	165	85.5
Retail Banking Total — Risk Costs in bps of Average Customer Lending(bps)	14	10	21	14	15	17	14	13	12	8	14	8
Retail Banking Total — Net Result(€M)	1,368	1,511	1,101	1,173	1,185	1,178	1,010	950	1,344	1,275	1,050	1,070
Retail Banking Total — Return on Equity (ROE, %)(%)	24.3%	27.0%	20.1%	22.1%	22.5%	22.4%	19.6%	19.1%	27.0%	25.8%	21.7%	23.2%
Retail Banking Total — Cost/Income Ratio (%)(%)	48.1%	45.9%	53.1%	53.5%	51.1%	50.1%	57.3%	57.5%	47.9%	50.4%	55.1%	55.3%
Retail Banking Total — Risk-Weighted Assets (EOP)(€M)	179,866,000	181,085,800	176,605,100	174,398,000	170,294,500	169,465,900	168,679,900	165,170,500	161,570,900	159,373,500	156,352,800	154,366,000
Retail Banking Total — Internal Employees (FTEs, EOP)	44,394	44,613	44,764	45,003	45,519	45,606	45,325	45,551	45,416	45,215	45,139	44,930
Retail Banking Netherlands — Total Income(€M)13	1,402	1,441	1,319	1,286	1,231	1,263	1,188	1,225	1,263	1,238	1,185	1,190
Retail Banking Netherlands — Commercial Net Interest Income(€M)	1,111	1,063	1,000	959	926	921	881	914	930	908	895	882
Retail Banking Netherlands — Total Net Interest Income (IFRS-EU)(€M)	1,008	979	939	850	757	769	739	775	718	748	787	700
Retail Banking Netherlands — Net Fee and Commission Income(€M)	309	300	293	297	291	283	257	266	270	263	250	242
Retail Banking Netherlands — Investment, Trading & Other Income(€M)	82.1	160	81.4	139	180	209	190	200	291	225	145	247
Retail Banking Netherlands — Total Operating Expenses(€M)2	519	492	481	594	514	498	483	595	506	520	503	566
Retail Banking Netherlands — Operating Expenses excl. Regulatory Costs(€M)	518	492	481	527	514	498	483	523	506	499	483	494
Retail Banking Netherlands — Regulatory Costs(€M)	1.50	0	0	66.8	0.20	0	0	72.7	0	20.8	20.3	72
Retail Banking Netherlands — Gross Result (Pre-Provision Profit)(€M)	883	949	838	692	717	765	705	629	756	718	682	624
Retail Banking Netherlands — Addition to Loan Loss Provisions (Risk Costs)(€M)	2.40	1.40	37.5	18.1	16.2	51	21.4	25.8	9.30	-25.9	-16.8	-35.5
Retail Banking Netherlands — Risk Costs in bps of Average Customer Lending(bps)	0	0	8	4	4	12	5	6	2	-7	-4	-9
Retail Banking Netherlands — Result Before Tax(€M)	881	948	800	674	701	714	683	603	747	744	699	660
Retail Banking Netherlands — Return on Equity (ROE, %)(%)	35.9%	38.2%	33.1%	28.2%	29.7%	29.9%	30.0%	26.1%	33.1%	32.9%	31.4%	30.8%
Retail Banking Netherlands — Cost/Income Ratio (%)(%)	37.0%	34.2%	36.5%	46.2%	41.8%	39.4%	40.7%	48.6%	40.1%	42.0%	42.5%	47.6%
Retail Banking Netherlands — Risk-Weighted Assets (EOP)(€M)	54,993	57,177	55,699	54,527	53,681	53,349	52,865	52,576	51,623	51,918	51,297	50,662
Retail Banking Netherlands — Internal Employees (FTEs, EOP)	12,497	12,602	12,647	12,709	12,852	13,087	13,118	12,918	12,785	12,714	12,532	12,354
Retail Banking Belgium (incl. Luxembourg) — Total Income(€M)13	687	738	676	692	685	643	655	610	740	712	691	658
Retail Banking Belgium (incl. Luxembourg) — Commercial Net Interest Income(€M)	461	450	451	445	417	415	416	410	458	471	478	489
Retail Banking Belgium (incl. Luxembourg) — Total Net Interest Income (IFRS-EU)(€M)	463	475	465	467	432	443	442	428	478	528	524	511
Retail Banking Belgium (incl. Luxembourg) — Net Fee and Commission Income(€M)	190	196	189	177	176	163	176	144	153	159	148	129
Retail Banking Belgium (incl. Luxembourg) — Investment, Trading & Other Income(€M)	33.6	65.8	24.6	44.3	76.5	35.8	36.9	37.2	128	20.8	16.6	17.5
Retail Banking Belgium (incl. Luxembourg) — Total Operating Expenses(€M)2	373	366	549	457	426	382	613	429	401	391	589	456
Retail Banking Belgium (incl. Luxembourg) — Operating Expenses excl. Regulatory Costs(€M)	373	370	368	422	426	382	387	397	402	418	387	425
Retail Banking Belgium (incl. Luxembourg) — Regulatory Costs(€M)	0	-4.60	182	34.3	-0	0	227	32.1	-0.90	-27.6	203	30.3
Retail Banking Belgium (incl. Luxembourg) — Gross Result (Pre-Provision Profit)(€M)	314	372	127	235	259	260	42.2	180	339	321	101	202
Retail Banking Belgium (incl. Luxembourg) — Addition to Loan Loss Provisions (Risk Costs)(€M)	63.1	42.8	88.3	41	35.7	36.2	40.2	25.4	42.8	21.7	43.7	28.4
Retail Banking Belgium (incl. Luxembourg) — Risk Costs in bps of Average Customer Lending(bps)	26	18	36	16	14	15	16	10	18	9	18	12
Retail Banking Belgium (incl. Luxembourg) — Result Before Tax(€M)	251	330	38.5	194	224	224	2.10	155	296	299	57.6	174
Retail Banking Belgium (incl. Luxembourg) — Return on Equity (ROE, %)(%)	16.0%	20.5%	2.4%	12.1%	14.0%	14.4%	-0.3%	9.6%	21.0%	19.5%	2.7%	13.2%
Retail Banking Belgium (incl. Luxembourg) — Cost/Income Ratio (%)(%)	54.3%	49.6%	81.3%	66.1%	62.1%	59.5%	93.6%	70.5%	54.2%	54.9%	85.3%	69.3%
Retail Banking Belgium (incl. Luxembourg) — Risk-Weighted Assets (EOP)(€M)	35,317	36,531	35,130	36,166	35,484	35,744	35,777	36,221	35,046	34,548	34,276	34,603
Retail Banking Belgium (incl. Luxembourg) — Internal Employees (FTEs, EOP)	6,963	6,972	7,190	7,404	7,558	7,446	7,334	7,356	7,403	7,414	7,537	7,583
Retail Banking Germany (incl. Austria) — Total Income(€M)13	794	801	737	812	754	699	726	648	760	766	733	769
Retail Banking Germany (incl. Austria) — Commercial Net Interest Income(€M)	625	594	583	570	585	545	569	565	593	598	644	660
Retail Banking Germany (incl. Austria) — Total Net Interest Income (IFRS-EU)(€M)	666	618	627	594	648	592	623	621	690	663	674	709
Retail Banking Germany (incl. Austria) — Net Fee and Commission Income(€M)	126	150	157	210	135	139	147	118	102	107	105	84.2
Retail Banking Germany (incl. Austria) — Investment, Trading & Other Income(€M)	1.80	28.9	-48.6	7.50	-29.3	-33.7	-45.9	-83.1	-16.7	-5.20	-46.2	-7.10
Retail Banking Germany (incl. Austria) — Total Operating Expenses(€M)2	344	359	341	346	336	331	350	345	330	316	312	335
Retail Banking Germany (incl. Austria) — Operating Expenses excl. Regulatory Costs(€M)	350	356	346	328	347	318	338	326	301	296	292	309
Retail Banking Germany (incl. Austria) — Regulatory Costs(€M)	-5.60	2.30	-5.20	18	-11	12.8	12.1	19.3	28.8	19.9	19.9	25.7
Retail Banking Germany (incl. Austria) — Gross Result (Pre-Provision Profit)(€M)	450	443	396	466	418	368	377	303	430	449	421	434
Retail Banking Germany (incl. Austria) — Addition to Loan Loss Provisions (Risk Costs)(€M)	57	32.1	45.7	31.5	62	42.2	35.2	28.5	55.6	25.8	39.5	25.1
Retail Banking Germany (incl. Austria) — Risk Costs in bps of Average Customer Lending(bps)	19	11	16	11	22	15	13	10	21	10	15	10
Retail Banking Germany (incl. Austria) — Result Before Tax(€M)	393	411	350	435	356	326	342	275	375	424	382	409
Retail Banking Germany (incl. Austria) — Return on Equity (ROE, %)(%)	26.6%	28.5%	25.0%	31.8%	26.5%	23.4%	26.7%	21.3%	27.7%	35.1%	32.3%	30.2%
Retail Banking Germany (incl. Austria) — Cost/Income Ratio (%)(%)	43.4%	44.8%	46.3%	42.6%	44.6%	47.4%	48.1%	53.2%	43.4%	41.3%	42.5%	43.5%
Retail Banking Germany (incl. Austria) — Risk-Weighted Assets (EOP)(€M)	31,393	30,327	29,851	28,730	28,130	27,678	28,288	26,594	25,674	25,205	24,761	24,025
Retail Banking Germany (incl. Austria) — Internal Employees (FTEs, EOP)	6,276	6,363	6,389	6,393	6,336	6,209	6,117	6,308	6,156	6,003	6,009	5,969
Retail Banking Other (Challengers & Growth Markets) — Total Income(€M)13	1,362	1,389	1,308	1,249	1,210	1,227	1,222	1,179	1,213	1,148	1,149	1,077
Retail Banking Other (Challengers & Growth Markets) — Commercial Net Interest Income(€M)	1,051	1,012	987	940	911	927	920	921	931	913	877	822
Retail Banking Other (Challengers & Growth Markets) — Total Net Interest Income (IFRS-EU)(€M)	1,133	1,098	1,060	1,008	955	961	968	965	967	935	949	875
Retail Banking Other (Challengers & Growth Markets) — Net Fee and Commission Income(€M)	235	234	223	180	181	176	180	152	164	149	144	131
Retail Banking Other (Challengers & Growth Markets) — Investment, Trading & Other Income(€M)	-3	38.8	25.3	52.9	72.2	87.1	72.6	77.3	80.7	60.9	56	74.6
Retail Banking Other (Challengers & Growth Markets) — Total Operating Expenses(€M)2	803	789	774	764	705	709	727	737	667	721	667	687
Retail Banking Other (Challengers & Growth Markets) — Operating Expenses excl. Regulatory Costs(€M)	743	730	676	673	646	656	644	655	624	664	589	608
Retail Banking Other (Challengers & Growth Markets) — Regulatory Costs(€M)	59.8	59.3	97.5	90.9	59.6	53.3	83.2	81.8	42.8	57.3	78.7	79
Retail Banking Other (Challengers & Growth Markets) — Gross Result (Pre-Provision Profit)(€M)	559	600	535	485	505	518	495	442	546	427	481	390
Retail Banking Other (Challengers & Growth Markets) — Addition to Loan Loss Provisions (Risk Costs)(€M)	69.2	54.3	103	86.1	78	80.9	77.8	78.5	37	76.9	98.6	67.5
Retail Banking Other (Challengers & Growth Markets) — Risk Costs in bps of Average Customer Lending(bps)	20	16	32	27	25	27	26	27	13	27	36	25
Retail Banking Other (Challengers & Growth Markets) — Result Before Tax(€M)	490	545	431	399	427	437	417	363	509	351	383	322
Retail Banking Other (Challengers & Growth Markets) — Return on Equity (ROE, %)(%)	16.9%	19.2%	15.9%	17.5%	18.8%	19.9%	19.1%	17.2%	24.5%	17.6%	19.7%	18.3%
Retail Banking Other (Challengers & Growth Markets) — Cost/Income Ratio (%)(%)	58.9%	56.8%	59.1%	61.2%	58.3%	57.8%	59.5%	62.5%	55.0%	62.8%	58.1%	63.8%
Retail Banking Other (Challengers & Growth Markets) — Risk-Weighted Assets (EOP)(€M)	58,163	57,050	55,924	54,975	53,000	52,695	51,750	49,779	49,228	47,703	46,019	45,076
Retail Banking Other (Challengers & Growth Markets) — Internal Employees (FTEs, EOP)	18,657	18,676	18,537	18,496	18,773	18,864	18,756	18,969	19,072	19,086	19,061	19,024

Wholesale Banking Total — Total Income(€M)18	1,802	1,879	1,735	1,748	1,810	1,694	1,758	1,657	1,744	1,831	1,749	1,595
Wholesale Banking — Commercial Net Interest Income(€M)	1,087	1,055	1,038	1,014	984	964	1,007	938	984	1,028	1,003	1,055
Wholesale Banking — Total Net Interest Income (IFRS-EU)(€M)	901	880	888	822	763	668	744	780	742	896	842	963
Wholesale Banking — Net Fee and Commission Income(€M)	419	401	372	354	383	360	336	319	322	322	354	296
Wholesale Banking — Valuation Results and Net Trading Income(€M)	484	586	468	571	659	645	696	571	693	636	579	310
Wholesale Banking — Investment Income(€M)	1.70	2.60	3	2.40	1.20	2.80	1.50	-22.6	-0.90	2.70	2.30	-5.10
Wholesale Banking — Other Income(€M)	-3.40	9.10	4.30	-2.70	3.60	17.8	-18.2	10.3	-11.7	-25.2	-28.1	32
Wholesale Banking — Total Operating Expenses(€M)2	948	932	955	1,034	902	991	910	1,038	858	821	842	910
Wholesale Banking — Operating Expenses excl. Regulatory Costs(€M)	929	911	906	883	884	980	871	898	841	803	805	800
Wholesale Banking — Regulatory Costs(€M)	19.5	21	48.7	151	17.8	11.6	39.4	141	17.1	17.3	36.9	110
Wholesale Banking — Gross Result (Pre-Provision Profit)(€M)	854	947	781	714	908	702	848	619	886	1,011	907	685
Wholesale Banking — Addition to Loan Loss Provisions (Risk Costs)(€M)	208	142	62.2	188	134	88.7	138	141	191	202	93.4	-1.10
Wholesale Banking — Risk Costs in bps of Average Customer Lending(bps)	39	27	12	38	28	19	29	29	40	42	20	0
Wholesale Banking — Result Before Tax(€M)	646	804	719	526	774	614	710	478	695	809	814	686
Wholesale Banking — Net Result(€M)	570	585	513	381	559	480	482	334	540	619	576	520
Wholesale Banking — Return on Equity (ROE, %)(%)	12.5%	12.5%	10.7%	8.2%	11.8%	10.1%	10.1%	7.0%	10.8%	12.6%	12.0%	11.4%
Wholesale Banking — Cost/Income Ratio (%)(%)	52.6%	49.6%	55.0%	59.2%	49.8%	58.5%	51.8%	62.7%	49.2%	44.8%	48.1%	57.1%
Wholesale Banking — Total Income over Average RWA (bps)(bps)	506	513	466	469	486	454	466	437	454	477	465	425
Wholesale Banking — Risk-Weighted Assets (EOP)(€M)	140,792	143,883	149,182	148,560	149,257	148,467	149,676	152,151	151,006	156,285	150,685	150,288
Wholesale Banking — Internal Employees (FTEs, EOP)	17,470	17,398	17,335	17,453	17,488	17,380	17,287	16,435	16,175	15,792	15,499	15,391
Wholesale Banking — Average 1-Day 99% Trading Value-at-Risk (VaR)(€M)	11.3	10.7	10.4	13.2	14.7	13.9	14	15.8	14.7	13.2	15.4	17.4
Wholesale Banking Lending — Total Income(€M)2	917	861	818	837	884	780	785	827	785	836	831	805
Wholesale Banking Lending — Income over Average RWA (bps)(bps)	405	368	346	350	374	334	323	333	311	330	337	319
Wholesale Banking Lending — Risk-Weighted Assets (EOP)(€M)	88,417,400	92,688,500	94,142,800	94,930,000	96,640,200	92,664,700	94,194,400	100,270,000	98,506,700	103,412,900	98,967,100	100,329,700
Wholesale Banking Daily Banking & Trade Finance (DB&TF) — Total Income(€M)2	522	503	487	481	449	463	495	479	493	483	499	536
Wholesale Banking DB&TF — Income over Average RWA (bps)(bps)	1,196	1,131	1,064	1,108	1,069	1,091	1,234	1,250	1,246	1,158	1,182	1,277
Wholesale Banking DB&TF — Risk-Weighted Assets (EOP)(€M)	17,542,200	17,371,600	18,179,600	18,476,800	16,221,600	17,368,400	16,578,300	15,502,700	15,169,000	16,437,600	16,886,900	16,919,000
Wholesale Banking Financial Markets — Total Income(€M)2	363	419	370	334	392	371	415	302	376	356	383	197
Wholesale Banking Financial Markets — Income over Average RWA (bps)(bps)	540	599	514	468	522	476	551	410	512	512	567	321
Wholesale Banking Financial Markets — Risk-Weighted Assets (EOP)(€M)	27,467,100	26,363,700	29,520,400	28,095,800	29,068,300	30,979,300	31,374,300	28,934,900	29,989,800	28,776,100	26,880,700	25,130,900
Wholesale Banking Treasury & Other — Total Income(€M)2	0.20	97	60	95	85.7	78.9	63.5	49.7	90.8	157	35	57.4
Wholesale Banking Treasury & Other — Income over Average RWA (bps)(bps)	1	524	333	528	464	421	340	269	484	804	176	292
Wholesale Banking Treasury & Other — Risk-Weighted Assets (EOP)(€M)	7,365,100	7,459,400	7,339,000	7,057,600	7,326,900	7,454,400	7,529,200	7,443,900	7,340,300	7,658,400	7,942,500	7,908,200
Corporate Line — Total Income(€M)5	181	36	48.4	10.9	208	177	87.5	88.7	190	21.7	77.7	120
Corporate Line — Net Interest Income(€M)	90.2	75.9	75.9	75.8	149	103	107	110	94	60.9	49.7	117
Corporate Line — Total Operating Expenses(€M)	131	148	120	143	129	122	117	192	142	79.9	119	122
Corporate Line — Result Before Tax(€M)	169	59	26.2	26.5	106	91.4	27.8	28.3	125	25.3	22.9	22.5
Corporate Line — Risk-Weighted Assets (EOP)(€M)	8,342	8,672	9,534	9,426	9,117	10,139	9,327	8,769	8,265	7,966	7,808	6,793
Corporate Line — Internal Employees (FTEs, EOP)	245	223	213	30	18	13	70	13	15	18	41	39

ING Group Total — Residential Mortgages (EOP)(€M)1	388,820	384,820	376,310	369,070	361,960	354,320	348,880	345,220	340,480	332,950	328,230	324,600
ING Group Total — Residential Mortgages Net Core Lending Growth(€M)	6,910	7,110	5,900	7,640	7,710	7,180	6,020	5,900	6,020	4,640	2,500	2,310
ING Group Total — Other Customer Lending (EOP)(€M)1	380,850	376,810	367,730	358,530	347,070	340,350	339,600	340,850	334,050	329,230	325,800	323,430
ING Group Total — Other Customer Lending Net Core Growth(€M)	4,080	8,050	9,110	12,800	6,530	8,180	810	1,260	2,520	3,110	1,710	4,900
ING Group Total — Customer Deposits (EOP)(€M)1	779,700	773,180	753,060	721,370	736,130	738,080	733,710	691,660	698,380	692,580	674,520	650,270
ING Group Total — Customer Deposits Net Core Growth(€M)	12,090	15,930	7,210	9,480	-160	6,190	22,600
Retail Banking Total — Residential Mortgages (EOP)(€M)1	388,080	383,490	375,070	370,230	362,890	355,190	349,780	345,920	341,230	334,460	329,250	325,540
Retail Banking Total — Residential Mortgages Net Core Lending Growth(€M)	6,900	7,080	5,900	7,630	7,700	7,170	6,000	5,880	5,700	4,940	2,420	2,290
Retail Banking Total — Other Customer Lending (EOP)(€M)1	161,520	160,420	155,290	154,030	151,650	150,440	147,650	144,100	142,320	137,730	134,220	134,270
Retail Banking Total — Other Customer Lending Net Core Growth(€M)	1,590	5,040	3,510	2,490	870	4,100	2,610	1,110	710	3,780	1,300	1,470
Retail Banking Total — Customer Deposits (EOP)(€M)1	676,350	678,250	658,680	636,770	642,270	650,920	643,150	612,020	616,720	613,750	601,880	585,510
Retail Banking Total — Customer Deposits Net Core Growth(€M)	2,670	16,740	4,320	11,300	-7,070	8,890	17,020
Retail Netherlands — Residential Mortgages (EOP)(€M)1	135,020	132,760	130,060	127,660	125,270	122,650	120,030	117,780	115,770	113,140	111,850	110,920
Retail Netherlands — Residential Mortgages Net Core Lending Growth(€M)	2,750	2,730	2,210	2,800	2,820	2,790	2,670	2,170	2,450	1,680	1,130	750
Retail Netherlands — Other Customer Lending (EOP)(€M)1	56,200	56,180	53,370	51,510	50,110	49,240	48,000	46,500	45,690	42,680	42,710	41,920
Retail Netherlands — Other Customer Lending Net Core Growth(€M)	990	1,990	1,930	970	1,100	1,320	1,730	950	650	30	530	0
Retail Netherlands — Customer Deposits (EOP)(€M)1	229,280	233,410	223,550	209,140	219,950	218,340	215,250	200,660	211,540	210,100	203,720	199,680
Retail Netherlands — Customer Deposits Net Core Growth(€M)	-40	5,210	-100	5,400	880	5,070	180
Retail Belgium — Residential Mortgages (EOP)(€M)1	42,770	43,100	42,680	44,930	44,530	44,360	44,410	44,650	44,210	44,320	43,930	41,830
Retail Belgium — Residential Mortgages Net Core Lending Growth(€M)	180	300	300	320	230	270	140	230	200	540	40	170
Retail Belgium — Other Customer Lending (EOP)(€M)1	54,030	55,110	54,300	55,180	54,170	55,420	53,590	53,680	53,800	52,930	50,540	52,480
Retail Belgium — Other Customer Lending Net Core Growth(€M)	-950	1,560	0	980	-1,230	1,480	-160	30	-230	2,510	320	940
Retail Belgium — Customer Deposits (EOP)(€M)1	97,190	96,270	96,960	96,510	96,410	98,000	97,030	97,070	95,670	93,200	91,870	91,190
Retail Belgium — Customer Deposits Net Core Growth(€M)	610	-150	480	210	-1,550	1,010	-290
Retail Germany — Residential Mortgages (EOP)(€M)1	103,820	103,170	100,930	99,950	99,010	97,260	95,830	95,100	93,580	91,420	90,860	90,430
Retail Germany — Residential Mortgages Net Core Lending Growth(€M)	2,130	1,780	1,300	1,300	1,800	1,240	1,010	1,310	950	790	520	190
Retail Germany — Other Customer Lending (EOP)(€M)1	16,740	16,580	16,430	16,620	16,500	16,040	15,890	15,100	14,010	13,430	13,130	12,440
Retail Germany — Other Customer Lending Net Core Growth(€M)	720	460	570	360	240	510	450	40	390	210	210	140
Retail Germany — Customer Deposits (EOP)(€M)1	164,220	166,410	159,220	157,720	157,240	165,530	166,390	151,110	151,560	154,000	152,820	143,590
Retail Germany — Customer Deposits Net Core Growth(€M)	-2,120	7,780	800	790	-8,380	-1,060	15,300
Retail Other (Challengers & Growth Markets) — Residential Mortgages (EOP)(€M)1	106,460	104,470	101,400	97,690	94,080	90,930	89,520	88,400	87,680	85,580	82,620	82,370
Retail Other (Challengers & Growth Markets) — Residential Mortgages Net Core Lending Growth(€M)	1,840	2,280	2,090	3,210	2,850	2,860	2,180	2,170	2,110	1,920	730	1,180
Retail Other (Challengers & Growth Markets) — Other Customer Lending (EOP)(€M)1	34,560	32,550	31,190	30,720	30,870	29,730	30,160	28,830	28,820	28,670	27,840	27,430
Retail Other (Challengers & Growth Markets) — Other Customer Lending Net Core Growth(€M)	840	1,030	1,010	170	770	790	590	90	-100	1,030	240	400
Retail Other (Challengers & Growth Markets) — Customer Deposits (EOP)(€M)1	185,670	182,160	178,940	173,400	168,660	169,040	164,480	163,180	157,950	156,450	153,470	151,040
Retail Other (Challengers & Growth Markets) — Customer Deposits Net Core Growth(€M)	4,220	3,900	3,140	4,900	1,970	3,870	1,840
Wholesale Banking Total — Residential Mortgages (EOP)(€M)1	-1,530	-1,010	-1,170	-1,160	-930	-870	-890	-710	-750	-1,510	-1,020	-950
Wholesale Banking Total — Residential Mortgages Net Core Lending Growth(€M)	10	20	0	10	10	10	20	20	310	-300	80	20
Wholesale Banking Total — Other Customer Lending (EOP)(€M)1	218,200	215,160	211,080	204,250	195,160	189,660	191,700	196,490	191,480	191,250	191,340	188,900
Wholesale Banking Total — Other Customer Lending Net Core Growth(€M)	2,490	3,020	5,600	10,320	5,650	4,080	-1,790	150	1,810	-670	410	3,430
Wholesale Banking Total — Customer Deposits (EOP)(€M)1	103,190	94,550	93,860	84,600	93,870	87,160	90,560	79,640	81,660	78,820	72,630	64,760
Wholesale Banking Total — Customer Deposits Net Core Growth(€M)	9,420	-810	2,890	-1,820	6,910	-2,710	5,570
Wholesale Banking — Lending — Other Customer Lending (EOP)(€M)1	166,430	162,910	159,850	150,970	148,450	143,910	149,550	152,280	150,240	150,570	149,570	153,020
Wholesale Banking — Lending — Other Customer Lending Net Core Growth(€M)	3,150	2,450	7,820	2,430	4,690	-1,170	-310	-1,730	1,660	380	440	1,200
Wholesale Banking — Lending — Customer Deposits (EOP)(€M)1	40	10	10	10	0	0	140	410	280	350	380	310
Wholesale Banking — Lending — Customer Deposits Net Core Growth(€M)	30	0	0	0	0	-120	-250
Wholesale Banking — Daily Banking & Trade Finance — Other Customer Lending (EOP)(€M)1	32,960	34,240	34,130	36,780	31,680	30,890	27,180	28,040	24,390	26,190	25,950	26,530
Wholesale Banking — Daily Banking & Trade Finance — Other Customer Lending Net Core Growth(€M)	-1,390	-70	-3,060	6,430	840	4,950	-1,290	2,620	-1,220	130	-990	1,650
Wholesale Banking — Daily Banking & Trade Finance — Customer Deposits (EOP)(€M)1	77,630	68,620	68,350	63,460	67,060	62,800	66,540	62,370	59,760	59,140	55,510	53,230
Wholesale Banking — Daily Banking & Trade Finance — Customer Deposits Net Core Growth(€M)	9,130	220	4,960	-3,630	4,380	-3,460	4,220
Wholesale Banking — Financial Markets — Other Customer Lending (EOP)(€M)1	11,230	10,750	9,820	8,940	8,080	7,890	7,850	8,980	9,710	8,150	9,550	3,490
Wholesale Banking — Financial Markets — Other Customer Lending Net Core Growth(€M)	480	920	880	860	190	40	-40	-730	1,560	-1,400	810	330
Wholesale Banking — Financial Markets — Customer Deposits (EOP)(€M)1	14,320	13,940	14,840	16,380	14,850	12,570	12,150	10,950	9,190	7,810	5,960	4,030
Wholesale Banking — Financial Markets — Customer Deposits Net Core Growth(€M)	270	-1,060	-1,700	1,590	2,410	870	1,580

Credit Outstandings (EOP) — Total Loan Book (ING Group)(€M)4	903,773	880,232	867,400	825,254	835,365	811,254	824,797	795,527	815,012	810,126	801,169	786,652
Stage 2 Credit Outstandings — Total Loan Book (ING Group)(€M)	70,200	72,404	69,557	65,531	67,485	67,307	68,175	70,931	58,329	59,446	61,625	62,864
Stage 2 Ratio — Total Loan Book (ING Group) (%)(%)	7.8%	8.2%	8.0%	7.9%	8.1%	8.3%	8.3%	8.9%	7.2%	7.3%	7.7%	8.0%
Stage 3 Credit Outstandings (Credit-Impaired) — Total Loan Book (ING Group)(€M)	14,012	13,652	13,402	12,926	12,665	12,426	13,029	13,202	13,203	12,603	11,995	11,552
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Total Loan Book (ING Group) (%)(%)	1.6%	1.6%	1.5%	1.6%	1.5%	1.5%	1.6%	1.7%	1.6%	1.6%	1.5%	1.5%
Total Stock of IFRS 9 Expected Credit Loss (ECL) Provisions (EOP)(€M)3	6,413	6,214	6,200	6,101	6,011	5,945	6,039	6,049	6,228	6,117	5,991	5,839
Stage 1 Provisions — 12-Month ECL (EOP)(€M)	480	462	476	446	453	439	421	409	427	494	502	517
Stage 2 Provisions — Lifetime ECL Not Credit-Impaired (EOP)(€M)	1,301	1,184	1,199	1,179	1,199	1,247	1,210	1,130	1,127	1,190	1,344	1,435
Stage 3 Provisions — Lifetime ECL Credit-Impaired (EOP)(€M)	4,633	4,568	4,525	4,476	4,359	4,259	4,408	4,509	4,674	4,432	4,145	3,876
Credit Outstandings (EOP) — Retail Banking Total(€M)8	587,714	577,294	567,722	558,782	567,636	558,853	556,844	534,460	545,250	537,325	530,758	522,099
Stage 2 Credit Outstandings — Retail Banking Total(€M)	49,844	49,880	45,948	46,194	46,889	45,606	45,778	46,301	41,221	40,702	39,826	39,372
Stage 2 Ratio — Retail Banking Total (%)(%)	8.5%	8.6%	8.1%	8.3%	8.3%	8.2%	8.2%	8.7%	7.6%	7.6%	7.5%	7.5%
Stage 3 Credit Outstandings (Credit-Impaired) — Retail Banking Total(€M)	9,097	8,782	8,582	8,361	8,200	8,176	8,229	8,067	7,979	7,738	7,661	7,552
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Retail Banking Total (%)(%)	1.5%	1.5%	1.5%	1.5%	1.4%	1.5%	1.5%	1.5%	1.5%	1.4%	1.4%	1.4%
Credit Outstandings (EOP) — Residential Mortgages — Total(€M)8	395,985	389,084	381,381	376,118	368,329	360,269	354,848	350,023	345,760	340,613	335,132	333,311
Stage 2 Credit Outstandings — Residential Mortgages — Total(€M)	33,781	33,752	30,548	30,263	30,908	28,737	28,644	29,392	25,360	24,934	23,264	21,691
Stage 2 Ratio — Residential Mortgages — Total (%)(%)	8.5%	8.7%	8.0%	8.0%	8.4%	8.0%	8.1%	8.4%	7.3%	7.3%	6.9%	6.5%
Stage 3 Credit Outstandings (Credit-Impaired) — Residential Mortgages — Total(€M)	3,520	3,389	3,319	3,304	3,259	3,270	3,256	3,313	3,251	3,188	3,170	3,107
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Residential Mortgages — Total (%)(%)	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%	0.9%
Credit Outstandings (EOP) — Residential Mortgages — Netherlands(€M)4	139,820	137,122	134,557	132,094	129,404	126,652	123,973	121,484	119,446	117,453	115,984	115,075
Stage 2 Credit Outstandings — Residential Mortgages — Netherlands(€M)	18,700	19,171	17,902	17,913	17,672	15,460	14,552	15,382	14,233	14,074	12,556	11,098
Stage 2 Ratio — Residential Mortgages — Netherlands (%)(%)	13.4%	14.0%	13.3%	13.6%	13.7%	12.2%	11.7%	12.7%	11.9%	12.0%	10.8%	9.6%
Stage 3 Credit Outstandings (Credit-Impaired) — Residential Mortgages — Netherlands(€M)	727	696	629	621	582	565	527	591	540	527	530	532
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Residential Mortgages — Netherlands (%)(%)	0.5%	0.5%	0.5%	0.5%	0.4%	0.4%	0.4%	0.5%	0.5%	0.4%	0.5%	0.5%
Credit Outstandings (EOP) — Residential Mortgages — Germany(€M)4	106,572	104,452	102,684	101,400	100,173	98,382	97,145	96,150	94,848	93,898	93,098	92,574
Stage 2 Credit Outstandings — Residential Mortgages — Germany(€M)	3,438	3,317	3,069	2,967	3,883	3,608	3,470	3,225	2,704	2,614	2,382	2,123
Stage 2 Ratio — Residential Mortgages — Germany (%)(%)	3.2%	3.2%	3.0%	2.9%	3.9%	3.7%	3.6%	3.4%	2.9%	2.8%	2.6%	2.3%
Stage 3 Credit Outstandings (Credit-Impaired) — Residential Mortgages — Germany(€M)	598	590	585	582	568	576	570	561	525	503	505	462
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Residential Mortgages — Germany (%)(%)	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.6%	0.5%	0.5%	0.5%
Credit Outstandings (EOP) — Residential Mortgages — Belgium(€M)4	43,889	43,727	43,432	45,614	45,317	45,081	44,831	44,588	44,344	44,153	43,922	43,826
Stage 2 Credit Outstandings — Residential Mortgages — Belgium(€M)	4,100	3,990	4,109	4,276	4,313	4,334	4,187	4,324	4,340	4,432	4,950	5,198
Stage 2 Ratio — Residential Mortgages — Belgium (%)(%)	9.3%	9.1%	9.5%	9.4%	9.5%	9.6%	9.3%	9.7%	9.8%	10.0%	11.3%	11.9%
Stage 3 Credit Outstandings (Credit-Impaired) — Residential Mortgages — Belgium(€M)	1,149	1,129	1,151	1,167	1,159	1,180	1,182	1,187	1,205	1,202	1,252	1,276
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Residential Mortgages — Belgium (%)(%)	2.6%	2.6%	2.7%	2.6%	2.6%	2.6%	2.6%	2.7%	2.7%	2.7%	2.9%	2.9%
Credit Outstandings (EOP) — Residential Mortgages — Rest of World(€M)4	105,704	103,784	100,708	97,011	93,435	90,154	88,899	87,800	87,122	85,108	82,128	81,836
Stage 2 Credit Outstandings — Residential Mortgages — Rest of World(€M)	7,543	7,274	5,468	5,107	5,040	5,336	6,435	6,461	4,083	3,814	3,376	3,271
Stage 2 Ratio — Residential Mortgages — Rest of World (%)(%)	7.1%	7.0%	5.4%	5.3%	5.4%	5.9%	7.2%	7.4%	4.7%	4.5%	4.1%	4.0%
Stage 3 Credit Outstandings (Credit-Impaired) — Residential Mortgages — Rest of World(€M)	1,046	974	953	935	950	949	976	975	981	956	884	838
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Residential Mortgages — Rest of World (%)(%)	1.0%	0.9%	0.9%	1.0%	1.0%	1.1%	1.1%	1.1%	1.1%	1.1%	1.1%	1.0%
Credit Outstandings (EOP) — Consumer Lending(€M)4	31,859	30,882	30,256	29,551	28,984	27,653	27,342	26,702	26,308	25,661	25,396	24,488
Stage 2 Credit Outstandings — Consumer Lending(€M)	2,699	2,501	2,597	2,561	2,718	2,742	3,030	3,081	2,438	2,476	2,635	2,742
Stage 2 Ratio — Consumer Lending (%)(%)	8.5%	8.1%	8.6%	8.7%	9.4%	9.9%	11.1%	11.5%	9.3%	9.6%	10.4%	11.2%
Stage 3 Credit Outstandings (Credit-Impaired) — Consumer Lending(€M)	1,461	1,432	1,452	1,411	1,343	1,300	1,327	1,273	1,209	1,204	1,201	1,119
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Consumer Lending (%)(%)	4.6%	4.6%	4.8%	4.8%	4.6%	4.7%	4.9%	4.8%	4.6%	4.7%	4.7%	4.6%
Credit Outstandings (EOP) — Business Lending — Total(€M)6	122,224	121,444	115,808	114,615	113,864	114,743	111,644	109,655	109,237	108,297	104,790	104,157
Stage 2 Credit Outstandings — Business Lending — Total(€M)	12,979	13,250	12,273	12,873	12,729	13,665	13,620	13,092	12,933	12,742	13,467	14,362
Stage 2 Ratio — Business Lending — Total (%)(%)	10.6%	10.9%	10.6%	11.2%	11.2%	11.9%	12.2%	11.9%	11.8%	11.8%	12.9%	13.8%
Stage 3 Credit Outstandings (Credit-Impaired) — Business Lending — Total(€M)	3,893	3,751	3,587	3,422	3,379	3,388	3,424	3,251	3,314	3,140	3,097	3,117
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Business Lending — Total (%)(%)	3.2%	3.1%	3.1%	3.0%	3.0%	3.0%	3.1%	3.0%	3.0%	2.9%	3.0%	3.0%
Credit Outstandings (EOP) — Business Lending — Netherlands(€M)4	50,244	48,787	45,478	43,843	42,982	42,163	40,772	39,170	38,488	37,790	37,350	37,140
Stage 2 Credit Outstandings — Business Lending — Netherlands(€M)	5,697	6,179	5,578	5,619	5,469	6,174	5,734	5,059	4,643	4,619	5,231	5,661
Stage 2 Ratio — Business Lending — Netherlands (%)(%)	11.3%	12.7%	12.3%	12.8%	12.7%	14.6%	14.1%	12.9%	12.1%	12.2%	14.0%	15.2%
Stage 3 Credit Outstandings (Credit-Impaired) — Business Lending — Netherlands(€M)	790	761	664	620	581	599	693	616	685	589	658	767
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Business Lending — Netherlands (%)(%)	1.6%	1.6%	1.5%	1.4%	1.4%	1.4%	1.7%	1.6%	1.8%	1.6%	1.8%	2.1%
Credit Outstandings (EOP) — Business Lending — Belgium(€M)4	50,567	51,508	49,661	50,550	50,484	52,107	50,450	50,620	50,506	50,684	47,736	47,655
Stage 2 Credit Outstandings — Business Lending — Belgium(€M)	4,215	3,920	3,789	4,204	4,259	4,426	4,474	4,597	4,787	4,572	4,485	4,562
Stage 2 Ratio — Business Lending — Belgium (%)(%)	8.3%	7.6%	7.6%	8.3%	8.4%	8.5%	8.9%	9.1%	9.5%	9.0%	9.4%	9.6%
Stage 3 Credit Outstandings (Credit-Impaired) — Business Lending — Belgium(€M)	1,949	1,842	1,758	1,687	1,656	1,647	1,623	1,598	1,617	1,602	1,552	1,522
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Business Lending — Belgium (%)(%)	3.9%	3.6%	3.5%	3.3%	3.3%	3.2%	3.2%	3.2%	3.2%	3.2%	3.3%	3.2%
Credit Outstandings (EOP) — Other Retail Banking(€M)4	37,646	35,884	40,277	38,498	56,460	56,188	63,010	48,080	63,945	62,755	65,440	60,143
Stage 2 Credit Outstandings — Other Retail Banking(€M)	385	378	530	497	533	463	484	736	489	551	460	577
Stage 2 Ratio — Other Retail Banking (%)(%)	1.0%	1.1%	1.3%	1.3%	0.9%	0.8%	0.8%	1.5%	0.8%	0.9%	0.7%	1.0%
Stage 3 Credit Outstandings (Credit-Impaired) — Other Retail Banking(€M)	222	211	223	224	220	218	221	230	204	205	193	208
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Other Retail Banking (%)(%)	0.6%	0.6%	0.6%	0.6%	0.4%	0.4%	0.4%	0.5%	0.3%	0.3%	0.3%	0.3%
Credit Outstandings (EOP) — Wholesale Banking Total(€M)8	312,712	299,254	296,113	266,472	267,729	252,401	267,953	261,067	269,762	272,801	270,411	264,552
Stage 2 Credit Outstandings — Wholesale Banking Total(€M)	20,022	22,194	23,270	19,337	20,596	21,700	22,397	24,630	17,109	18,743	21,799	23,492
Stage 2 Ratio — Wholesale Banking Total (%)(%)	6.4%	7.4%	7.9%	7.3%	7.7%	8.6%	8.4%	9.4%	6.3%	6.9%	8.1%	8.9%
Stage 3 Credit Outstandings (Credit-Impaired) — Wholesale Banking Total(€M)	4,697	4,639	4,643	4,565	4,464	4,250	4,800	5,135	5,224	4,866	4,334	4,000
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Wholesale Banking Total (%)(%)	1.5%	1.6%	1.6%	1.7%	1.7%	1.7%	1.8%	2.0%	1.9%	1.8%	1.6%	1.5%
Credit Outstandings (EOP) — Wholesale Banking — Lending(€M)4	178,296	175,012	169,956	154,633	155,375	152,688	159,145	161,151	159,273	162,302	161,288	165,584
Stage 2 Credit Outstandings — Wholesale Banking — Lending(€M)	13,771	15,176	14,885	13,169	15,459	16,582	16,958	19,004	12,275	13,689	16,297	17,949
Stage 2 Ratio — Wholesale Banking — Lending (%)(%)	7.7%	8.7%	8.8%	8.5%	9.9%	10.9%	10.7%	11.8%	7.7%	8.4%	10.1%	10.8%
Stage 3 Credit Outstandings (Credit-Impaired) — Wholesale Banking — Lending(€M)	3,620	3,583	3,583	3,669	3,595	3,593	4,100	4,426	4,317	4,226	3,686	3,461
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Wholesale Banking — Lending (%)(%)	2.0%	2.0%	2.1%	2.4%	2.3%	2.4%	2.6%	2.7%	2.7%	2.6%	2.3%	2.1%
Credit Outstandings (EOP) — Wholesale Banking — Daily Banking & Trade Finance(€M)4	82,689	76,464	76,728	77,476	65,708	61,173	56,336	59,171	55,500	57,746	56,833	58,006
Stage 2 Credit Outstandings — Wholesale Banking — Daily Banking & Trade Finance(€M)	4,356	5,128	6,185	4,319	3,475	3,308	3,386	4,372	3,632	3,966	4,730	4,886
Stage 2 Ratio — Wholesale Banking — Daily Banking & Trade Finance (%)(%)	5.3%	6.7%	8.1%	5.6%	5.3%	5.4%	6.0%	7.4%	6.5%	6.9%	8.3%	8.4%
Stage 3 Credit Outstandings (Credit-Impaired) — Wholesale Banking — Daily Banking & Trade Finance(€M)	693	670	667	511	520	538	575	591	785	586	588	479
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Wholesale Banking — Daily Banking & Trade Finance (%)(%)	0.8%	0.9%	0.9%	0.7%	0.8%	0.9%	1.0%	1.0%	1.4%	1.0%	1.0%	0.8%
Credit Outstandings (EOP) — Wholesale Banking — Financial Markets(€M)4	11,029	10,732	10,295	9,610	9,685
Stage 2 Credit Outstandings — Wholesale Banking — Financial Markets(€M)	1,500	1,559	1,866	1,492	1,382
Stage 2 Ratio — Wholesale Banking — Financial Markets (%)(%)	13.6%	14.5%	18.1%	15.5%	14.3%
Stage 3 Credit Outstandings (Credit-Impaired) — Wholesale Banking — Financial Markets(€M)	229	221	222	221	212
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Wholesale Banking — Financial Markets (%)(%)	2.1%	2.1%	2.2%	2.3%	2.2%
Credit Outstandings (EOP) — Wholesale Banking — Treasury & Other(€M)4	40,698	37,045	39,134	24,753	36,963	29,599	42,773	30,848	32,180	28,352	28,186	26,503
Stage 2 Credit Outstandings — Wholesale Banking — Treasury & Other(€M)	394	331	334	357	280	378	322	291	282	352	307	339
Stage 2 Ratio — Wholesale Banking — Treasury & Other (%)(%)	1.0%	0.9%	0.9%	1.4%	0.8%	1.3%	0.8%	0.9%	0.9%	1.2%	1.1%	1.3%
Stage 3 Credit Outstandings (Credit-Impaired) — Wholesale Banking — Treasury & Other(€M)	155	166	170	164	138	118	124	118	123	54	60	60
Stage 3 Ratio (NPL / Credit-Impaired Ratio) — Wholesale Banking — Treasury & Other (%)(%)	0.4%	0.4%	0.4%	0.7%	0.4%	0.4%	0.3%	0.4%	0.4%	0.2%	0.2%	0.2%

Common Equity Tier 1 (CET1) Ratio — ING Group(%)3	13.3%	13.1%	13.0%	13.1%	13.4%	13.3%	13.7%	13.6%	14.3%	14.0%	14.8%	14.7%
Tier 1 Ratio — ING Group(%)	15.6%	15.7%	15.6%	15.3%	15.6%	15.1%	15.7%	16.0%	16.7%	16.2%	17.1%	16.9%
Total Capital Ratio — ING Group(%)	18.5%	18.7%	18.3%	18.4%	19.1%	18.2%	18.4%	18.9%	19.7%	19.1%	19.7%	19.8%
Basel III Leverage Ratio — ING Group (Pillar 3 KM1)(%)		4.2%	4.3%	4.5%	4.4%	4.3%	4.5%	4.7%	4.7%	4.7%	4.9%	5.0%
Common Equity Tier 1 (CET1) Capital — ING Group (EOP)(€M)7	45,014	44,692	44,729	44,567	44,921	44,534	46,021	45,260	46,824	46,219	47,922	46,856
IFRS-EU Shareholders' Equity (Capital Reconciliation)(€M)	49,980	50,246	50,872	49,698	49,447	49,115	51,676	50,314	51,294	50,147	53,122	51,240
Interim / Reserved Profits Not Included in CET1 Capital(€M)	-3,435	-2,725	-3,681	-2,125	-1,419	-1,564	-2,880	-2,152	-1,559	-1,730	-3,318	-2,504
Goodwill and Intangibles Regulatory Deduction(€M)	-1,288	-1,219	-1,214	-1,197	-1,125	-1,116	-1,080	-1,091	-998	-941	-897	-941
Total Regulatory Adjustments to CET1 Capital(€M)	-4,966	-5,554	-6,143	-5,130	-4,526	-4,581	-5,655	-5,054	-4,469	-3,928	-5,200	-4,384
Adjusted IFRS-EU Tangible Shareholders' Equity (EOP)(€M)	44,763	45,781	45,639	46,062	46,569	46,141	47,422	46,828
Average Adjusted IFRS-EU Tangible Shareholders' Equity(€M)	45,272	45,710	45,851	46,316	46,355	46,782	47,125	47,634
Book Value per Ordinary Share (IFRS-EU, EOP)(€)	17.58	17.57	17.68	17.12	16.84	16.48	16.94	16.25	16.22	15.48	16.09	15.32
Tier 1 Capital — ING Group (EOP)(€M)4	52,640	53,712	53,842	52,138	52,576	50,764	52,814	53,292	54,689	53,481	55,118	53,898
Additional Tier 1 (AT1) Qualifying Capital (EOP)(€M)	7,509	8,906	8,999	7,460	7,545	6,127	6,696	7,966	7,805	7,198	7,146	6,983
Tier 2 Qualifying Subordinated Capital (EOP)(€M)	9,803	10,135	9,068	10,608	11,549	10,397	9,139	9,852	9,822	9,564	8,384	9,115
Total Own Funds (Total Regulatory Capital — Pillar 3 KM1, EOP)(€M)		63,914	63,016	62,845	64,209	61,226	62,027	63,194	64,557	63,094	63,555	63,052
Total Leverage Ratio Exposure Measure (Pillar 3 KM1, EOP)(€M)		1,269,819	1,241,564	1,155,490	1,198,344	1,186,760	1,178,661	1,129,689	1,157,950	1,150,308	1,135,487	1,076,794
Total Risk-Weighted Assets (RWA) — ING Group (EOP)(€M)6	337,651,400	341,946,200	344,302,600	340,739,300	336,195,700	335,803,800	337,218,700	333,707,500	328,458,000	330,927,300	323,071,200	319,168,500
Total Risk-Weighted Exposure Amounts (Pillar 3 OV1, EOP)(€M)		341,946	344,303	340,739	336,196	335,804	337,219	333,708	328,458	330,927	323,071	319,168
Credit Risk RWA (excl. Counterparty Credit Risk — Pillar 3 OV1)(€M)4		270,095	269,096	266,143	265,979	263,995	264,320	250,509	245,143	248,594	240,696	237,947
Credit Risk RWA — Advanced IRB (A-IRB) Approach(€M)		98,047	96,145	94,040	120,654	120,162	119,449	193,099	187,653	188,838	186,959	185,804
Credit Risk RWA — Foundation IRB (F-IRB) Approach(€M)		93,786	93,118	87,977	67,888	66,521	66,755	27,724	28,152	29,862	24,879	23,101
Credit Risk RWA — Standardised Approach(€M)		47,203	46,439	45,454	40,440	40,153	41,014	28,283	28,037	28,529	27,444	27,579
Credit Risk RWA — Amounts Below Deduction Thresholds (250% Risk Weight)(€M)		10,325	11,302	11,412	11,096	10,878	10,946	4,534	4,463	4,196	4,791	4,985
Counterparty Credit Risk (CCR) RWA (Pillar 3 OV1)(€M)		9,480	10,900	10,056	10,400	10,283	9,468	13,626	13,824	13,523	12,623	12,422
Securitisation Exposures in the Non-Trading Book RWA (Pillar 3 OV1)(€M)		4,652	4,417	4,479	2,904	2,751	2,568	2,563	2,632	2,373	2,685	2,536
Market Risk RWA (Pillar 3 OV1)(€M)		10,220	11,880	12,054	9,854	11,987	14,215	12,742	12,996	13,332	13,389	13,490
Operational Risk RWA (Pillar 3 OV1)(€M)		45,288	45,288	45,288	43,134	43,134	43,134	11,230	10,898	10,401	10,211	9,268
Overall SREP Capital Requirement (OCR, % of RWA — Pillar 3 KM1)(%)3		15.3%	15.3%	15.3%	15.1%	15.0%	15.0%	15.0%	14.9%	14.9%	15.2%	15.3%
Pillar 2 Total Capital Requirement (P2R, % of RWA)(%)		1.7%	1.7%	1.7%	1.7%	1.7%	1.7%	1.7%	1.7%	1.7%	9.7%	9.8%
Combined Buffer Requirement (CBR, % of RWA)(%)4		5.6%	5.6%	5.6%	5.4%	5.3%	5.3%	5.3%	5.3%	5.3%	5.5%	5.5%
Capital Conservation Buffer (% of RWA)(%)		2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%	2.5%
Institution-Specific Countercyclical Capital Buffer (CCyB, % of RWA)(%)		1.0%	0.9%	0.9%	0.9%	0.8%	0.8%	0.8%	0.8%	0.8%	0.5%	0.5%
O-SII / Systemic Risk Buffer (% of RWA)(%)		2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.5%	2.5%
G-SII Buffer (% of RWA)(%)		1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%
CET1 Available After Meeting Total SREP Own Funds Requirements (% of RWA)(%)		7.6%	7.5%	7.7%	7.9%	7.8%	8.2%	8.1%	8.8%	8.5%	9.4%	9.2%
MREL / TLAC Eligible Own Funds and Liabilities Capacity (EOP)(€M)4	108,224	111,040	111,265	108,507	108,318	105,726	110,330	111,247	110,993	108,375	108,704	103,602
MREL Capacity as % of Risk-Weighted Assets (RWA)(%)	32.1%	32.5%	32.3%	31.8%	32.2%	31.5%	32.7%		33.8%	32.8%	33.7%	32.5%
MREL Capacity as % of Leverage Exposure(%)	8.4%	8.7%	9.0%	9.4%	9.0%	8.9%	9.4%		9.6%	9.4%	9.6%	9.6%
MREL Surplus Above RWA-Based Requirement(€M)	14,039	15,669	14,091	12,293	14,124	8,125	12,257	14,198	15,646	13,108	14,946
MREL Surplus Above Leverage Exposure Requirement(€M)	15,382	19,614	21,376	24,850	21,558	18,855	24,052	28,554	26,231	24,748	26,154

Liquidity Coverage Ratio (LCR — 12-Month Moving Average)(%)4	136.0%	137.0%	139.0%	140.0%	140.0%	141.0%	142.0%	143.0%	146.0%	146.0%	146.0%	143.0%
Total High-Quality Liquid Assets (HQLA — 12-Month Moving Average)(€M)3	198,100	197,200	198,600	200,200	201,300	201,500	198,800	194,300	194,300	193,700	195,000	194,500
Level 1 HQLA (12-Month Moving Average)(€M)	188,700	187,800	188,700	189,900	190,600	190,600	188,100	184,100	184,800	184,900	186,800	186,700
Level 2A HQLA (12-Month Moving Average)(€M)	1,700	1,800	2,100	2,500	3,000	3,200	3,300	3,200	3,100	3,100	3,000	3,100
Level 2B HQLA (12-Month Moving Average)(€M)	7,600	7,700	7,800	7,800	7,700	7,700	7,400	7,000	6,400	5,700	5,200	4,700
Total Stressed Cash Outflows (12-Month Moving Average)(€M)	252,300	249,100	246,600	245,400	245,800	243,000	239,200	234,600	232,200	233,600	235,300	238,400
Total Stressed Cash Inflows (12-Month Moving Average)(€M)	106,500	105,300	103,100	102,500	101,800	99,800	99,300	98,500	98,600	101,000	101,900	102,900
Total Net Cash Outflows (Pillar 3 KM1, 12-Month Average)(€M)		143,740	143,519	142,919	143,973	143,126	139,858	136,188	133,662	132,525	133,357	135,518
Net Stable Funding Ratio (NSFR — Pillar 3 KM1)(%)2		127.7%	128.0%	128.0%	129.0%	133.0%	132.0%	133.0%	133.0%	133.6%	134.4%	132.0%
Total Available Stable Funding (ASF — Pillar 3 KM1)(€M)		797,829	775,517	761,580	756,050	759,984	760,511	741,947	738,460	724,732	718,779	694,346
Total Required Stable Funding (RSF — Pillar 3 KM1)(€M)		624,610	607,287	593,050	585,869	572,342	575,597	556,326	553,242	542,322	534,760	527,610
Loan-to-Deposit Ratio (EOP)(×)7	0.98	0.98	0.98	1.00	0.96	0.93	0.93	0.98	0.96	0.95	0.96	0.99
Funding Mix — Customer Deposits (Retail / Private Individuals)(%)	49.0%	50.0%	50.0%	53.0%	50.0%	52.0%	51.0%	53.0%	50.0%	51.0%	51.0%	52.0%
Funding Mix — Customer Deposits (Corporate / Other)(%)	23.0%	22.0%	22.0%	22.0%	23.0%	22.0%	23.0%	22.0%	23.0%	22.0%	22.0%	22.0%
Funding Mix — Long-Term Senior Debt(%)	11.0%	11.0%	10.0%	11.0%	10.0%	10.0%	11.0%	11.0%	11.0%	10.0%	10.0%	10.0%
Funding Mix — Lending / Repurchase Agreements (Repo)(%)	7.0%	7.0%	7.0%	5.0%	6.0%	6.0%	6.0%	5.0%	7.0%	7.0%	7.0%	7.0%
Funding Mix — Certificates of Deposit & Commercial Paper (CD/CP)(%)	7.0%	6.0%	6.0%	5.0%	6.0%	6.0%	6.0%	5.0%	6.0%	6.0%	6.0%	5.0%
Funding Mix — Interbank Liabilities(%)	2.0%	3.0%	3.0%	2.0%	3.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%
Funding Mix — Subordinated Debt(%)	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%	2.0%

Share Buyback Programmes — Total Repurchase Consideration(€M)2	490	442	616	734	925	1,216	825	991	1,237	1,015	569	2,046
Share Buyback Programmes — Ordinary Shares Repurchased(M)	16.1	17.3	25.7	33.5	45	69.5	49.7	65.3	78.1	63.1	44.4	159
Share Buyback Programmes — Volume-Weighted Average Execution Price(€)	30.41	25.58	23.95	21.91	20.55	17.48	16.58	15.16	15.84	16.09	12.81	12.89
Total Internal Employees — ING Group (FTEs, EOP)	62,109	62,234	62,311	62,485	63,025	62,999	62,683	61,999	61,605	61,025	60,678	60,360

ING Bank N.V. — Common Equity Tier 1 (CET1) Ratio(%)7	13.3%	13.1%	13.0%	13.1%	12.9%	12.9%	12.4%	12.1%	11.9%	11.6%	12.1%	12.0%
ING Bank N.V. — Tier 1 Ratio(%)	15.6%	15.7%	15.6%	15.3%	15.2%	14.7%	14.4%	14.5%	14.3%	13.8%	14.7%	14.1%
ING Bank N.V. — Total Capital Ratio(%)	18.5%	18.7%	18.3%	18.4%	18.7%	17.8%	17.1%	17.5%	17.2%	16.7%	17.3%	17.0%
ING Bank N.V. — Common Equity Tier 1 (CET1) Capital (EOP)(€M)4	44,838	44,560	44,608	44,465	43,465	43,178	41,843	40,597	39,181	38,593	39,492	38,396
ING Bank N.V. — Shareholders' Equity (EOP)(€M)	47,920	48,994	48,284	47,744	47,033	45,674	44,122	42,743	42,203	39,976	41,295	40,191
ING Bank N.V. — Reserved Profit Deduction(€M)	-1,842	-1,942	-1,549	-699	-889			0	-933		-788	-766
ING Bank N.V. — Goodwill and Intangibles Deduction(€M)	-1,288	-1,219	-1,214	-1,197	-1,125	-1,116	-1,080	-1,091	-998	-941	-897	-941
ING Bank N.V. — Total Regulatory Adjustments to CET1(€M)	-3,082	-4,434	-3,676	-3,279	-3,568	-2,496	-2,279	-2,146	-3,022	-1,383	-1,804	-1,795
ING Bank N.V. — Additional Tier 1 (AT1) Qualifying Capital (EOP)(€M)	7,510	8,907	9,000	7,460	7,546	6,127	6,698	7,967	7,776	7,173	8,277	6,962
ING Bank N.V. — Tier 1 Capital (EOP)(€M)	52,465	53,581	53,722	52,037	51,120	49,414	48,648	48,671	47,052	45,860	47,857	45,444
ING Bank N.V. — Tier 2 Subordinated Capital (EOP)(€M)	9,806	10,136	9,069	10,609	11,549	10,398	9,139	9,853	9,822	9,564	8,384	9,115
ING Bank N.V. — Total Risk-Weighted Assets (RWA, EOP)(€M)	337,120	341,396	343,744	340,186	335,971	335,687	337,797	334,770	330,211	332,727	325,299	321,358

Euro Area 1-Month EURIBOR (ECB FM)(%)25	2.4%	2.2%	1.9%	1.9%	1.9%	1.9%	2.4%	2.9%	3.4%	3.6%	3.9%	3.9%
Euro Area 3-Month EURIBOR (ECB FM)(%)	2.6%	2.3%	2.1%	2.1%	2.0%	2.0%	2.4%	2.8%	3.4%	3.7%	3.9%	3.9%
Euro Area 6-Month EURIBOR (ECB FM)(%)	2.9%	2.6%	2.3%	2.1%	2.1%	2.1%	2.4%	2.6%	3.3%	3.7%	3.9%	3.9%
Euro Area 12-Month EURIBOR (ECB FM)(%)	3.3%	2.8%	2.6%	2.3%	2.2%	2.1%	2.4%	2.4%	2.9%	3.7%	3.7%	3.7%
Euro Area 10-Year AAA Government Bond Yield (ECB YC)(%)	3.6%	2.9%	3.1%	3.0%	2.8%	2.7%	2.8%	2.5%	2.2%	2.5%	2.4%	2.1%
Netherlands 10-Year Government Bond Yield (ECB IRS)(%)	3.6%	3.1%	3.0%	3.0%	2.9%	2.8%	2.9%	2.5%	2.5%	2.8%	2.6%	2.4%
Germany 10-Year Government Bond Yield (ECB IRS)(%)	3.5%	3.0%	2.9%	2.8%	2.7%	2.5%	2.7%	2.2%	2.2%	2.5%	2.4%	2.1%
Belgium 10-Year Government Bond Yield (ECB IRS)(%)	4.1%	3.5%	3.5%	3.3%	3.3%	3.1%	3.3%	2.8%	2.8%	3.1%	2.9%	2.7%
EUR/USD Reference Exchange Rate — End of Period (ECB EXR)(×)	1.14	1.14	1.15	1.18	1.17	1.17	1.08	1.04	1.12	1.07	1.08	1.11
EUR/USD Reference Exchange Rate — Monthly Average (ECB EXR)(×)	1.15	1.15	1.16	1.17	1.17	1.15	1.08	1.05	1.11	1.08	1.09	1.09
Euro Area MFI Loans to Households (ECB BSI)(×)	7,030.10	6,969.90	6,921.70	6,861.50	6,816.30	6,772.80	6,710.50	6,686.80	6,664.80	6,648.40	6,629.80	6,655.10
Euro Area MFI Loans to Non-Financial Corporations (ECB BSI)(×)	5,472.00	5,440.90	5,354.90	5,278.30	5,237.50	5,223.90	5,201.80	5,172.80	5,130.90	5,141.10	5,115.00	5,113.40
Euro Area MFI Total Deposits from Non-MFIs (ECB BSI)(×)	17,236.20	17,230.50	17,032.70	16,809.10	16,362.60	16,307.20	16,193.90	16,160.30	15,937.50	15,854.00	15,644.80	15,615.80
Netherlands MFI Loans to Households (ECB BSI)(×)	681.14	672.35	662.95	654.42	645.11	635.01	626.37	617.63	614.35	607.83	602.31	598.50
Germany MFI Loans to Households (ECB BSI)(×)	2,130.60	2,114.50	2,103.60	2,098.90	2,090.30	2,074.30	2,063.20	2,057.70	2,051.30	2,041.70	2,038.30	2,038.20
Belgium MFI Loans to Households (ECB BSI)(×)	280.18	277.57	275.26	273.20	269.28	266.41	263.86	267.00	265.07	263.92	261.98	260.92
Netherlands MFI Total Deposits from Non-MFIs (ECB BSI)(×)	1,382.40	1,372.80	1,409.10	1,355.20	1,345.20	1,327.60	1,320.60	1,310.80	1,296.00	1,282.90	1,271.00	1,265.60
Germany MFI Total Deposits from Non-MFIs (ECB BSI)(×)	4,827.90	4,822.90	4,763.20	4,713.90	4,598.90	4,589.20	4,558.20	4,552.20	4,484.90	4,418.00	4,386.30	4,365.00
Belgium MFI Total Deposits from Non-MFIs (ECB BSI)(×)	729.94	739.60	722.91	728.70	697.03	697.86	692.38	690.54	678.43	667.99	658.60	654.83
Euro Area Bank Mortgage Interest Rate — New Business (ECB MIR)(%)	3.6%	3.5%	3.4%	3.3%	3.3%	3.3%	3.3%	3.4%	3.6%	3.8%	3.8%	4.0%
Netherlands Bank Mortgage Interest Rate — New Business (ECB MIR)(%)	3.9%	3.7%	3.5%	3.5%	3.5%	3.6%	3.5%	3.7%	3.9%	3.9%	3.8%	4.1%
Germany Bank Mortgage Interest Rate — New Business (ECB MIR)(%)	4.1%	4.0%	3.7%	3.7%	3.8%	3.7%	3.6%	3.6%	3.8%	4.0%	3.9%	4.1%
Euro Area Household Overnight Deposit Rate (ECB MIR)(%)	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.3%	0.4%	0.4%	0.4%	0.4%	0.4%
Netherlands Household Overnight Deposit Rate (ECB MIR)(%)	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%
Germany Household Overnight Deposit Rate (ECB MIR)(%)	0.5%	0.5%	0.5%	0.4%	0.4%	0.5%	0.5%	0.6%	0.6%	0.6%	0.6%	0.6%
Belgium Household Overnight Deposit Rate (ECB MIR)(%)	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%

Consolidated Balance Sheet — Total Assets (EOP)(€M)11	1,181,407	1,160,759	1,137,511	1,054,405	1,092,359	1,086,760	1,078,904	1,020,545	1,049,470	1,041,371	1,029,859	975,583
Cash and Balances with Central Banks (EOP)(€M)	69,770	64,954	68,586	52,889	82,871	75,565	94,098	70,353	100,118	97,073	98,113	90,214
Loans and Advances to Banks (EOP)(€M)	38,402	30,311	31,248	21,204	35,628	50,080	36,414	21,770	22,947	27,443	21,787	16,709
Financial Assets at Fair Value Through Profit or Loss — Trading Assets (EOP)(€M)	63,846	64,728	61,862	55,730	60,689	64,744	67,275	72,897	78,114	73,207	68,594	60,229
Financial Assets at FVPL — Non-Trading Derivatives (EOP)(€M)	1,698	1,257	1,618	1,338	1,456	2,500	1,594	2,101	1,797	1,653	1,722	2,019
Financial Assets Designated at Fair Value Through Profit or Loss (EOP)(€M)	78,661	75,738	71,678	55,768	68,453	64,637	60,792	49,543	59,981	67,261	65,335	55,400
Financial Assets Mandatorily at Fair Value Through Profit or Loss (EOP)(€M)	92,383	90,373	90,036	72,322	80,753	81,715	75,944	56,481	65,516	69,364	71,901	54,984
Securities at Amortised Cost (EOP)(€M)	68,515	67,985	63,614	53,867	54,107	53,805	53,668	50,273	47,950	49,536	52,790	48,313
Loans and Advances to Customers — Gross (EOP)(€M)1	769,671	761,635	744,039	727,599	709,034	694,664	688,481	686,066	674,531	662,175	654,032	648,023
Loan Loss Provisions on Customer Loans (EOP)(€M)	-6,199	-6,015	-5,996	-5,894	-5,828	-5,771	-5,841	-5,833	-6,033	-5,901	-5,777	-5,621
Investments in Associates and Joint Ventures (EOP)(€M)	761	1,184	1,524	1,607	1,552	1,536	1,664	1,679	1,658	1,459	1,486	1,509
Property and Equipment (EOP)(€M)	2,750	2,651	2,589	2,478	2,432	2,418	2,399	2,434	2,413	2,435	2,415	2,399
Intangible Assets and Goodwill (EOP)(€M)	1,783	1,740	1,552	1,510	1,459	1,409	1,374	1,334	1,296	1,245	1,206	1,198
Consolidated Balance Sheet — Total Liabilities (EOP)(€M)5	1,130,344	1,109,372	1,085,446	1,003,452	1,041,792	1,036,614	1,026,110	969,236	997,235	990,408	975,729	923,400
Deposits from Banks (EOP)(€M)	28,744	31,687	32,392	18,517	26,694	20,891	21,158	16,724	16,684	20,496	18,611	23,257
Customer Deposits (EOP)(€M)	779,705	773,180	753,062	721,367	736,134	738,079	733,706	691,661	698,378	692,577	674,517	650,266
Financial Liabilities at FVPL — Trading Liabilities (EOP)(€M)	30,519	26,318	28,142	23,427	23,237	26,387	25,933	35,256	38,775	33,734	36,429	37,220
Debt Securities in Issue (EOP)(€M)	176,897	166,010	163,281	151,232	151,360	151,016	151,228	142,367	150,942	141,175	145,265	124,670
Subordinated Loans (EOP)(€M)	18,684	19,068	19,617	18,100	19,116	16,566	17,092	17,878	17,488	15,933	16,005	15,402
Consolidated Balance Sheet — Total Equity (EOP)(€M)2	51,063	51,387	52,064	50,953	50,567	50,146	52,794	51,309	52,235	50,963	54,130	52,184
Shareholders' Equity (Parent, EOP)(€M)	49,980	50,246	50,872	49,698	49,447	49,115	51,676	50,314	51,294	50,147	53,122	51,240
Non-Controlling Interests (EOP)(€M)	1,083	1,140	1,192	1,255	1,120	1,031	1,119	995	941	816	1,008	944

6 metrics have no data in the last 12 quarters — .

Italic numbers are calculated by StockData from reported figures (hover for the formula). Numbers with a dotted underline are read from the text of earnings releases and presentations; hover to see the exact sentence. Tick a row to add it to the chart above (up to 8 lines).

Methodology and excluded metrics

Core rows come from the segment and revenue-disaggregation notes of 10-K and 10-Q filings (XBRL), linked to each filing. Fourth-quarter figures are the fiscal year less the first nine months (shown in italic).
ING Groep N.V.'s latest reported quarter is Q3 2026 (ended September 30, 2026, Form 6-K Q3 2026 Press Release, Analyst Presentation & Historical Trend Data published October 29, 2026). Basel III Pillar III disclosures (KM1/OV1/KM2) run through Q2 2026 (June 30, 2026), and Share Buyback Programme disclosures run through October 2026.
Customer and digital banking KPIs (41.4M total Retail Banking customers, 17.6M primary customers, 16.2M mobile primary customers, 22.0% of customers using 3+ products, €328B Retail AuM & e-brokerage, €20.7k average funds entrusted per private individual customer, €63.3 annualized fee per customer) and 9-country Retail Banking operational scorecards (Netherlands, Belgium, Germany, Spain, Italy, Australia, Poland, Romania, Türkiye) are extracted from Quarterly Analyst Presentations (4Q2024–3Q2026) and SEC Form 20-F (FY2020–FY2025).
Commercial Net Interest Income (split into Lending NII and Liability NII), Lending Margin (123 bps), Liability Margin (113 bps), Commercial NIM (231 bps), and segment P&L and customer balance roll-forwards across Retail Netherlands, Retail Belgium, Retail Germany, Retail Other (Challengers & Growth Markets), Wholesale Banking (Lending, Daily Banking & Trade Finance, Financial Markets, Treasury & Other), and Corporate Line are extracted from 16 ING Historical Trend Data Excel workbooks (1Q2018–3Q2026), Quarterly Press Releases, and the March 17, 2025 Commercial NII reporting change document.
Granular credit quality disclosures (Credit outstandings, IFRS 9 Stage 2 and Stage 3 outstandings and ratios across 18 lending portfolios, and Stage 1, Stage 2, and Stage 3 Expected Credit Loss provisions), 12-month moving average LCR breakdown (Level 1, 2A, 2B HQLA, stressed outflows/inflows), MREL capacity and surpluses, and funding mix are extracted from 19 Quarterly Earnings Releases (3Q2021–3Q2026).
Principal operating subsidiary disclosures cover lead banking subsidiary ING Bank N.V. (100%-owned, Historical Trend & Pillar III capital/RWA) and four major national banking subsidiaries from SEC Form 20-F Country-by-Country disclosures (FY2020–FY2025): ING Bank Śląski S.A. (Poland, 75%-owned with 25% listed non-controlling interest on the Warsaw Stock Exchange), ING-DiBa AG (Germany), ING België N.V. (Belgium), and ING Bank (Australia) Ltd. Parent company ING Groep N.V. (Form 20-F Note 47) is a non-operating financial holding company; consolidated minus standalone parent subtraction is not applicable.
All figures are reported as published by ING Groep N.V., its subsidiaries, or the official statistical agency (ECB Data Portal, Federal Reserve FRED, SEC EDGAR) in EUR (unless otherwise noted for USD Federal Reserve benchmarks).

Data updated 2026-11-07.

Every KPI on its own page

Full history, chart, sources and a citation for each metric

Customer Scale, Mobile Primary Banking, Retail AuM & Technology Platforms (Core)

Commercial Net Interest Income, Lending/Liability Margins & Fee Breakdown

Retail Banking Country Matrix (9 Markets: Customers, Balances, Net Core Growth & Returns)

Retail Banking Segment & Regional Performance (Netherlands, Belgium, Germany, Challengers & Growth)

Wholesale Banking, Product Lines (Lending, DB&TF, Financial Markets, Treasury) & Corporate Line

Customer Lending (Mortgages & Other) and Customer Deposits Roll-Forward & Net Core Growth

Credit Quality, IFRS 9 Stage 2 & Stage 3 Outstandings & ECL Provisions by Portfolio

Regulatory Capital, Basel III Pillar 3 RWA (OV1 / KM1), SREP Buffers & MREL Capacity

Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR) & Funding Mix

Share Buyback Programmes, Global Workforce (FTEs by Country) & Corporate Tax Paid

Principal Operating Subsidiaries (ING Bank N.V., ING Bank Śląski, ING-DiBa, ING België, ING Australia)

G-SIB Systemic Risk Indicators (Basel Committee / EBA 12-Indicator Assessment)

Size — Total Exposures (Basel III Leverage Ratio Exposure Measure) (€M)6 periods

Eurozone (ECB Data Portal) & U.S. (Federal Reserve FRED) Banking Sector Benchmarks

Euro Area 1-Month EURIBOR (ECB FM) (%)142 periods

Consolidated Balance Sheet, Income Statement, Cash Flows & Geographic Segments (DB & Trend)

Latest source documents

The documents cited most often for ING Groep's most recent figures

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