ING Groep Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	69,770	10,080	6,627	9,518	15,629	9,831
Investment Securities	227,925	167,196	158,000	154,830	141,937	135,279
Trading Asset Securities	65,758	81,963	81,393	59,622	54,420	47,289
Total Investments	293,683	249,159	239,393	214,452	196,357	182,568
Gross Loans	808,090	743,781	703,928	662,283	671,556	646,283
Allowance for Loan Losses	-6,216	-5,912	-5,855	-5,651	-6,021	-5,296
Other Adjustments to Gross Loans	-	-1,122	-1,145	-1,040	-792	-525
Net Loans	801,874	736,747	696,928	655,592	664,743	640,462
Property, Plant & Equipment	2,750	2,478	2,434	2,399	2,446	2,515
Goodwill	-	477	476	469	464	472
Other Intangible Assets	1,783	1,033	858	729	638	684
Investments in Real Estate	-	27	19	14	18	26
Accrued Interest Receivable	-	480	499	523	551	798
Other Receivables	-	458	485	311	349	549
Restricted Cash	-	51,133	68,708	88,627	85,933	104,870
Other Current Assets	-	5,086	3,981	4,339	5,591	2,476
Long-Term Deferred Tax Assets	-	788	1,001	1,085	1,425	1,303
Other Long-Term Assets	11,547	2,383	2,447	2,241	2,690	2,696
Total Assets	1,181,407	1,060,329	1,023,856	980,299	976,834	949,250

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Accrued Expenses	-	1,635	1,683	1,360	998	1,021
Interest Bearing Deposits	808,450	709,734	681,045	647,800	670,470	672,104
Non-Interest Bearing Deposits	-	30,156	27,339	25,733	26,961	30,388
Total Deposits	808,450	739,890	708,384	673,533	697,431	702,492
Short-Term Borrowings	1,698	68,231	66,687	70,877	77,048	55,253
Current Portion of Long-Term Debt	-	62,795	53,595	49,126	37,222	37,948
Current Portion of Leases	-	221	226	237	232	217
Current Income Taxes Payable	-	411	276	396	325	271
Other Current Liabilities	30,519	3,439	9,663	14,811	9,056	9,349
Long-Term Debt	274,242	115,374	116,616	99,712	81,101	76,846
Long-Term Leases	-	829	890	925	941	1,003
Pension & Post-Retirement Benefits	-	183	190	194	168	299
Long-Term Deferred Tax Liabilities	-	1,896	1,209	1,447	2,652	311
Other Long-Term Liabilities	15,435	10,087	10,739	12,053	12,656	11,438
Total Liabilities	1,130,344	1,004,991	970,158	924,671	919,830	896,448

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Common Stock	49,980	30	31	35	37	39
Additional Paid-In Capital	-	17,117	17,117	17,116	17,117	17,105
Retained Earnings	-	40,016	36,243	40,299	41,538	35,462
Treasury Stock	-	-2,404	-765	-1,994	-1,205	-1,612
Comprehensive Income & Other	-	-676	77	-772	-987	1,072
Total Common Equity	49,980	54,083	52,703	54,684	56,500	52,066
Minority Interest	1,083	1,255	995	944	504	736
Shareholders' Equity	51,063	55,338	53,698	55,628	57,004	52,802
Total Liabilities & Equity	1,181,407	1,060,329	1,023,856	980,299	976,834	949,250

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Total Debt	275,940	247,450	238,014	220,877	196,544	171,267
Net Cash (Debt)	-140,412	-103,756	-96,070	-93,388	-72,304	-66,227
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-48.85	-34.70	-29.76	-26.19	-19.95	-17.02
Filing Date Shares Outstanding	2,844	2,902	3,096	3,344	3,619	3,776
Total Common Shares Outstanding	2,844	2,902	3,096	3,344	3,619	3,776
Book Value Per Share	17.58	18.63	17.02	16.35	15.61	13.79
Tangible Book Value	48,197	52,573	51,369	53,486	55,398	50,910
Tangible Book Value Per Share	16.95	18.11	16.59	16.00	15.31	13.48