ING GROEP NV (ING) financial statements: income statement, balance sheet and cash flow
ING GROEP NV's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters.
Income statement
ING GROEP NV income statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Interest income using effective interest rate method
$43.8B
$49.5B
$44.7B
$24.4B
Other interest income
$7.6B
$9.7B
$7.7B
$3.9B
Total interest income
$51.3B
$59.2B
$52.4B
$28.4B
Interest expense using effective interest rate method
($29.7B)
($34.9B)
($28.5B)
($10.0B)
Other interest expense
($6.7B)
($9.0B)
($7.7B)
($3.8B)
Total interest expense
($36.4B)
($43.9B)
($36.2B)
($13.8B)
Net interest income 20
$15.0B
$15.3B
$16.2B
$14.6B
Fee and commission income
$6.3B
$5.6B
$5.1B
$5.1B
Fee and commission expense
($1.7B)
($1.6B)
($1.5B)
($1.5B)
Net fee and commission income
$4.6B
$4.0B
$3.6B
$3.6B
Valuation results and net trading income 22
$5.8B
$1.6B
($1.7B)
$12.2B
Investment income 23
$129.0M
$13.0M
$95.0M
$181.0M
Share of result from associates and joint ventures 8
$209.0M
$205.0M
$149.0M
$92.0M
Impairment of associates and joint ventures 8
($9.0M)
($35.0M)
($5.0M)
($192.0M)
Net result on derecognition of financial assets measured at amortised cost
$0
($2.0M)
$3.0M
($5.0M)
Other net income 24
$3.0M
($3.0M)
($147.0M)
($56.0M)
Total income
$25.7B
$21.1B
$18.1B
$30.4B
Addition to loan loss provisions
$1.3B
$1.2B
$520.0M
$1.9B
Staff expenses 25
$7.6B
$7.2B
$6.7B
$6.2B
Other operating expenses 26
$5.0B
$4.9B
$4.8B
$5.0B
Total expenses
$13.9B
$13.3B
$12.1B
$13.1B
Result before tax
$11.8B
$7.8B
$6.0B
$17.4B
Taxation 34
$3.2B
$2.2B
$1.7B
$5.1B
Net result
$8.6B
$5.6B
$4.4B
$12.2B
Non-controlling interests
$275.0M
$258.0M
$235.0M
$102.0M
Shareholders of the parent
$8.3B
$5.3B
$4.1B
$12.1B
Basic earnings per ordinary share (in EUR per share)
$2.78
$1.65
$1.16
$3.35
Diluted earnings per ordinary share (in EUR per share)
$2.78
$1.65
$1.16
$3.35
ING GROEP NV income statement, quarters
Line item
Jun 30, 2026 · YTD
Jun 30, 2025 · YTD
Jun 30, 2024 · YTD
Jun 30, 2022 · YTD
Interest income using effective interest rate method
$20.1B
$22.1B
$25.1B
$10.5B
Other interest income
$5.1B
$3.8B
$4.9B
$1.3B
Total interest income
$25.1B
$25.8B
$29.9B
$11.8B
Interest expense using effective interest rate method
($12.2B)
($15.3B)
($17.5B)
($3.6B)
Other interest expense
($4.6B)
($3.3B)
($4.7B)
($1.2B)
Total interest expense
($16.8B)
($18.6B)
($22.2B)
($4.7B)
Net interest income
$8.3B
$7.3B
$7.8B
$7.1B
Fee and commission income
$3.4B
$3.1B
—
—
Fee and commission expense
($917.0M)
($874.0M)
—
—
Net fee and commission income
$2.5B
$2.2B
$2.0B
$1.8B
Valuation results and net trading income
$599.0M
$2.8B
$3.0B
$9.2B
Investment income
$61.0M
$48.0M
$24.0M
$61.0M
Other net income
$163.0M
$77.0M
$13.0M
—
Total income
$11.7B
$12.4B
$12.8B
$17.9B
Addition to loan loss provisions
$625.0M
$612.0M
—
$1.2B
Staff expenses
$3.9B
$3.7B
$3.5B
$3.0B
Other operating expenses
$2.4B
$2.5B
$2.4B
$2.7B
Total expenses
$6.9B
$6.8B
$6.4B
$6.9B
Result before tax
$4.7B
$5.6B
$6.4B
$11.0B
Taxation
$1.4B
$1.5B
$1.8B
$3.2B
Net result
$3.3B
$4.0B
$4.6B
$7.8B
Non-controlling interests
$120.0M
$127.0M
$118.0M
$80.0M
Shareholders of the parent
$3.2B
$3.9B
$4.5B
$7.7B
Basic earnings per ordinary share (in EUR per share)
$1.11
$1.29
$1.35
$2.06
Diluted earnings per ordinary share (in EUR per share)
$1.11
$1.29
$1.35
$2.06
Balance sheet
ING GROEP NV balance sheet, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Cash and balances with central banks
$52.9B
$70.4B
$90.2B
$87.6B
Loans and advances to banks
$21.2B
$21.8B
$16.7B
$35.1B
– Trading assets
$55.7B
$72.9B
$60.2B
$56.9B
– Non-trading derivatives
$1.7B
$2.5B
$2.0B
$3.9B
– Designated as at fair value through profit or loss
$3.4B
$5.7B
$5.8B
$6.2B
– Mandatorily at fair value through profit or loss
$72.3B
$56.5B
$55.0B
$46.8B
Financial assets at fair value through other comprehensive income
$56.7B
$46.4B
$41.1B
$31.6B
Securities at amortised cost
$53.9B
$50.3B
$48.3B
$48.2B
Loans and advances to customers 7
$727.7B
$683.6B
$647.3B
$644.9B
Investments in associates and joint ventures 8
$1.6B
$1.7B
$1.5B
$1.5B
Property and equipment 9
$2.5B
$2.4B
$2.4B
$2.4B
Intangible assets 10
$1.5B
$1.3B
$1.2B
$1.1B
Current tax assets
$458.0M
$485.0M
$311.0M
$349.0M
Deferred tax assets 34
$788.0M
$1.0B
$1.1B
$1.4B
Other assets 11
$8.0B
$6.9B
$7.1B
$8.8B
Total assets
$1.1T
$1.0T
$980.3B
$976.8B
Deposits from banks 12
$18.5B
$16.7B
$23.3B
$56.6B
Customer deposits
$721.4B
$691.7B
$650.3B
$640.8B
– Trading liabilities
$23.4B
$35.3B
$37.2B
$39.1B
– Non-trading derivatives
$1.3B
$2.1B
$2.0B
$3.0B
– Designated as at fair value through profit or loss
$55.8B
$49.5B
$55.4B
$50.9B
Current tax liabilities
$411.0M
$276.0M
$396.0M
$325.0M
Deferred tax liabilities 34
$1.9B
$1.2B
$1.4B
$2.7B
Provisions 15
$941.0M
$774.0M
$920.0M
$1.1B
Other liabilities 16
$12.0B
$12.4B
$13.7B
$13.6B
Debt securities in issue
$151.2B
$142.4B
$124.7B
$95.9B
Subordinated loans 18
$18.1B
$17.9B
$15.4B
$15.8B
Total liabilities
$1.0T
$970.2B
$924.7B
$919.8B
Share capital and share premium
$17.1B
$17.1B
$17.2B
$17.2B
Other reserves
($3.1B)
($687.0M)
($2.8B)
($2.2B)
Retained earnings
$40.0B
$36.2B
$40.3B
$41.5B
Shareholders’ equity (parent)
$54.1B
$52.7B
$54.7B
$56.5B
Non-controlling interests
$1.3B
$995.0M
$944.0M
$504.0M
Total equity
$55.3B
$53.7B
$55.6B
$57.0B
Total liabilities and equity
$1.1T
$1.0T
$980.3B
$976.8B
ING GROEP NV balance sheet, quarters
Line item
Jun 30, 2026
Jun 30, 2025
Jun 30, 2024
Jun 30, 2022
Cash and balances with central banks
$65.0B
$75.6B
$97.1B
$126.0B
Loans and advances to banks
$30.3B
$50.1B
$27.4B
$23.0B
Financial assets at fair value through profit or loss
$160.1B
$152.5B
$149.6B
$138.6B
Financial assets at fair value through other comprehensive income
$63.0B
$49.8B
$46.3B
$30.7B
Securities at amortised cost
$68.0B
$53.8B
$49.5B
$48.4B
Loans and advances to customers
$761.3B
$693.3B
$662.7B
$643.5B
Investments in associates and joint ventures
$1.2B
$1.5B
$1.5B
$1.5B
Property and equipment
$2.7B
$2.4B
$2.4B
$2.6B
Intangible assets
$1.7B
$1.4B
$1.2B
$1.1B
Current tax assets
$408.0M
$489.0M
$402.0M
$842.0M
Deferred tax assets
$837.0M
$771.0M
$1.0B
$1.2B
Other assets
$11.9B
$9.3B
$8.4B
$8.8B
Total assets
$1.2T
$1.1T
$1.0T
$1.0T
Deposits from banks
$31.7B
$20.9B
$20.5B
$90.5B
Customer deposits
$773.3B
$738.0B
$692.6B
$642.5B
Financial liabilities at fair value through profit or loss
$103.3B
$93.5B
$102.6B
$108.0B
Current tax liabilities
$517.0M
$359.0M
$391.0M
$280.0M
Deferred tax liabilities
$1.8B
$1.4B
$1.9B
$2.1B
Provisions
$902.0M
$765.0M
$850.0M
$1.0B
Other liabilities
$14.3B
$15.1B
$16.1B
$17.0B
Debt securities in issue
$166.0B
$151.0B
$141.2B
$93.1B
Subordinated loans
$19.1B
$16.6B
$15.9B
$15.5B
Total liabilities
$1.1T
$1.0T
$992.1B
$969.9B
Share capital and share premium
$17.1B
$17.1B
$17.1B
$17.2B
Other reserves
($2.1B)
($3.2B)
($1.5B)
($1.4B)
Retained earnings
$39.2B
$38.3B
$39.1B
$40.2B
Shareholders’ equity (parent)
$54.3B
$52.3B
$54.7B
$55.9B
Non-controlling interests
$1.1B
$1.0B
$816.0M
$413.0M
Total equity
$55.5B
$53.3B
$55.5B
$56.3B
Total liabilities and equity
$1.2T
$1.1T
$1.0T
$1.0T
Cash flow statement
ING GROEP NV cash flow statement, fiscal years
Line item
Dec 31, 2025 · FY
Dec 31, 2024 · FY
Dec 31, 2023 · FY
Dec 31, 2022 · FY
Result before tax
$11.8B
$7.8B
$6.0B
$17.4B
– Depreciation and amortisation
$665.0M
$673.0M
$674.0M
$711.0M
– Addition to loan loss provisions
$1.3B
$1.2B
$520.0M
$1.9B
– Revaluations
$1.1B
$1.0B
$1.8B
—
– Exchange rate differences and other
($703.0M)
$869.0M
—
—
Taxation paid
($2.4B)
($2.8B)
($2.7B)
($1.5B)
– Loans and advances to banks, not available on demand
$3.5B
($7.7B)
$12.7B
($32.8B)
– Deposits from banks, not payable on demand
$1.1B
($7.8B)
($31.8B)
—
– Trading assets
$17.2B
($12.7B)
($3.4B)
—
– Trading liabilities
($11.8B)
($2.0B)
($1.9B)
—
– Loans and advances to customers
($58.4B)
($34.4B)
($5.8B)
($19.3B)
– Customer deposits
$36.2B
$41.1B
$8.5B
$25.1B
– Non–trading derivatives
$1.5B
($54.0M)
$2.4B
—
– Assets designated at fair value through profit or loss
$1.2B
$40.0M
$260.0M
—
– Assets mandatorily at fair value through profit or loss
($19.0B)
$274.0M
($7.4B)
—
– Other assets
($914.0M)
$263.0M
$1.7B
—
– Other financial liabilities at fair value through profit or loss
$10.0B
($7.8B)
$4.4B
—
– Provisions and other liabilities
$1.1B
($542.0M)
$2.3B
($2.7B)
Net cash flow from/(used in) operating activities
($6.4B)
($22.5B)
($11.3B)
($11.1B)
- Associates and joint ventures
($1.0M)
($26.0M)
($55.0M)
($48.0M)
- Financial assets at fair value through other comprehensive income
($43.3B)
($21.1B)
—
—
– Securities at amortised cost
($152.9B)
($110.1B)
$61.4B
—
– Property and equipment
($351.0M)
($332.0M)
($246.0M)
($231.0M)
– Other investments
($421.0M)
($383.0M)
($310.0M)
($198.0M)
– Associates and joint ventures
$225.0M
$107.0M
$164.0M
$58.0M
- Financial assets at fair value through other comprehensive income
$33.1B
$16.9B
—
—
– Securities at amortised cost
$148.0B
$108.7B
—
—
– Property and equipment
$39.0M
$50.0M
$57.0M
$83.0M
– Other investments
$4.0M
$13.0M
$15.0M
$10.0M
Net cash flow from/(used in) investing activities
($15.7B)
($6.0B)
($8.5B)
($5.3B)
Proceeds from debt securities
$150.4B
$124.7B
$116.4B
$92.7B
Repayments of debt securities
($135.2B)
($113.0B)
($90.6B)
($82.8B)
Proceeds from issuance of subordinated loans
$3.7B
$4.6B
$2.2B
$983.0M
Repayments of subordinated loans
($2.8B)
($2.9B)
($2.9B)
($1.1B)
Repayments of principal portion of lease liabilities
($282.0M)
($290.0M)
($291.0M)
($296.0M)
Purchases of treasury shares
-3.7B
—
—
—
Dividends and other cash distributions paid
($3.9B)
—
—
—
Net cash flow from/(used in) financing activities
$8.2B
$5.4B
$18.4B
$4.6B
Net cash flow
($13.8B)
($23.2B)
($1.5B)
($11.8B)
Cash and cash equivalents at beginning of year
$69.1B
$93.0B
$95.4B
$107.7B
Effect of exchange rate changes on cash and cash equivalents
($1.1B)
($740.0M)
($898.0M)
($504.0M)
Treasury bills and other eligible bills included in securities at AC
$0
—
—
—
Deposits from banks
($7.1B)
—
—
—
Loans and advances to banks
$8.3B
—
—
—
Cash and balances with central banks
$52.9B
—
—
—
ING GROEP NV cash flow statement, quarters
Line item
Jun 30, 2026 · YTD
Jun 30, 2025 · YTD
Jun 30, 2024 · YTD
Jun 30, 2022 · YTD
Result before tax
$4.7B
$5.6B
$6.4B
$11.0B
– Depreciation and amortisation
$333.0M
$330.0M
$331.0M
$357.0M
– Addition to loan loss provisions
$625.0M
$612.0M
$559.0M
$1.2B
– Revaluations
($37.0M)
$613.0M
($80.0M)
—
– Exchange rate differences and other
$304.0M
($2.5B)
$1.9B
—
Taxation paid
($1.4B)
($1.1B)
($1.3B)
($950.0M)
– Loans and advances to banks, not available on demand
($7.2B)
($19.2B)
($5.2B)
$6.3B
– Deposits from banks, not payable on demand
$3.4B
($529.0M)
($6.2B)
—
– Trading assets
($8.9B)
$8.2B
($13.0B)
—
– Trading liabilities
$2.9B
($8.9B)
($3.5B)
—
– Loans and advances to customers
($29.6B)
($22.6B)
($13.8B)
($14.2B)
– Customer deposits
$50.0B
$53.4B
$41.7B
$24.2B
– Non–trading derivatives
($231.0M)
$2.1B
($647.0M)
—
– Assets designated at fair value through profit or loss
($43.0M)
$914.0M
$769.0M
—
– Assets mandatorily at fair value through profit or loss
($17.6B)
($28.2B)
($14.4B)
—
– Other assets
($3.9B)
($2.1B)
($1.2B)
—
– Other financial liabilities at fair value through profit or loss
$19.1B
$19.1B
$11.9B
—
– Provisions and other liabilities
$2.8B
$4.9B
$1.9B
($10.5B)
Net cash flow from/(used in) operating activities
$15.2B
$10.5B
$5.9B
$22.8B
- Acquisition of subsidiaries, net of cash acquired
($95.0M)
—
—
—
- Associates and joint ventures
($4.0M)
($1.0M)
($22.0M)
($16.0M)
– Financial assets at fair value through other comprehensive income
($28.5B)
($11.3B)
($59.6B)
—
– Securities at amortised cost
($102.0B)
($81.1B)
—
—
– Property and equipment
($369.0M)
($124.0M)
($172.0M)
($107.0M)
– Other investments
($193.0M)
($200.0M)
($152.0M)
($71.0M)
– Associates and joint ventures
$458.0M
$116.0M
$44.0M
$37.0M
– Financial assets at fair value through other comprehensive income
$22.5B
$7.1B
$53.4B
$20.5B
– Securities at amortised cost
$88.3B
$76.7B
—
—
– Property and equipment
$13.0M
$26.0M
$24.0M
$23.0M
– Other investments
$4.0M
$6.0M
$10.0M
—
Net cash flow from/(used in) investing activities
($19.9B)
($8.8B)
($6.5B)
($2.0B)
Proceeds from debt securities
$99.3B
$80.3B
$65.6B
$50.1B
Repayments of debt securities
($87.0B)
($65.4B)
($50.6B)
($46.6B)
Proceeds from issuance of subordinated loans
$2.2B
$1.2B
$2.4B
—
Repayments of subordinated loans
($1.5B)
($1.8B)
($2.0B)
($990.0M)
Repayments of principal portion of lease liabilities
($147.0M)
($143.0M)
($136.0M)
($134.0M)
Purchase/sale of treasury shares
-1.1B
-2.0B
-1.6B
-365.0M
Dividends paid
($2.8B)
($2.8B)
($2.8B)
($2.5B)
Net cash flow from/(used in) financing activities
$8.9B
$9.3B
$10.9B
($454.0M)
Net cash flow
$4.2B
$10.9B
$10.4B
$20.4B
Cash and cash equivalents at beginning of the period
$54.1B
$69.1B
$93.0B
$107.7B
Effect of exchange rate changes on cash and cash equivalents
($130.0M)
($610.0M)
($1.4B)
($195.0M)
Treasury bills and other eligible bills included in securities at AC