ING Groep Ratios and Metrics

Market cap in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 18, 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
Market Capitalization	385,861	450,650	300,518	244,262	230,534	295,364
Market Cap Growth	8.84%	49.96%	23.03%	5.96%	-21.95%	56.02%
Last Close Price	134.40	155.61	91.09	64.44	54.87	-
PE Ratio	7.17	8.37	8.80	11.00	3.37	7.83
PS Ratio	2.44	2.85	2.34	2.58	1.39	2.39
PB Ratio	1.08	1.26	0.87	0.82	0.72	0.88
P/FCF Ratio	-	-	-	3.89	-	-
P/OCF Ratio	-	-	-	3.81	-	-
Debt / Equity Ratio	4.47	4.47	4.43	3.97	3.45	3.24
Debt / FCF Ratio	-	-	-	18.87	-	-
Net Debt / Equity Ratio	1.88	1.88	1.79	1.68	1.27	1.25
Net Debt / FCF Ratio	-2.36	-2.36	-1.71	7.98	-7.67	-1.95
Return on Equity (ROE)	15.77%	15.77%	10.23%	7.77%	22.27%	11.21%
Return on Assets (ROA)	0.83%	0.83%	0.56%	0.45%	1.27%	0.64%
Earnings Yield	13.95%	11.95%	11.37%	9.09%	29.72%	12.77%
FCF Yield	-73.80%	-63.19%	-119.64%	25.70%	-23.10%	-72.73%
Dividend Yield	4.75%	4.51%	7.45%	9.21%	5.76%	-
Payout Ratio	46.66%	46.66%	72.72%	71.67%	25.51%	39.36%
Buyback Yield / Dilution	7.40%	7.40%	9.44%	1.63%	6.85%	0.27%
Total Shareholder Return	12.16%	11.92%	16.89%	10.83%	12.60%	0.27%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.