ING Groep N.V. (ETR:INN1)

ING Groep Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	70,353	9,518	15,629	9,831	11,117
Investment Securities	160,562	154,820	141,937	135,279	145,822
Trading Asset Securities	75,360	59,632	54,420	47,289	46,129
Total Investments	235,922	214,452	196,357	182,568	191,951
Gross Loans	707,836	662,283	671,556	646,283	619,960
Allowance for Loan Losses	-5,833	-5,651	-6,021	-5,296	-5,802
Other Adjustments to Gross Loans	-	-1,040	-792	-525	-508
Net Loans	702,003	655,592	664,743	640,462	613,650
Property, Plant & Equipment	2,434	2,399	2,446	2,515	2,841
Goodwill	-	469	464	472	533
Other Intangible Assets	1,334	729	638	684	861
Investments in Real Estate	-	14	18	26	20
Accrued Interest Receivable	-	523	551	798	781
Other Receivables	-	311	349	549	419
Restricted Cash	-	88,627	85,933	104,870	109,236
Other Current Assets	-	4,339	5,591	2,476	2,287
Long-Term Deferred Tax Assets	-	1,085	1,425	1,303	773
Other Long-Term Assets	8,499	2,241	2,690	2,696	2,806
Total Assets	1,020,545	980,299	976,834	949,250	937,275
Accrued Expenses	-	1,360	998	1,021	925
Interest Bearing Deposits	480,557	647,800	670,470	672,104	638,589
Non-Interest Bearing Deposits	227,827	25,733	26,961	30,388	49,151
Total Deposits	708,384	673,533	697,431	702,492	687,740
Short-Term Borrowings	2,101	70,877	77,048	55,253	68,543
Current Portion of Long-Term Debt	-	49,126	37,222	37,948	27,014
Current Portion of Leases	-	237	232	217	225
Current Income Taxes Payable	-	396	325	271	342
Other Current Liabilities	35,255	14,811	9,056	9,349	7,111
Long-Term Debt	209,788	99,712	81,101	76,846	77,390
Long-Term Leases	-	925	941	1,003	1,115
Pension & Post-Retirement Benefits	-	194	168	299	433
Long-Term Deferred Tax Liabilities	-	1,447	2,652	311	584
Other Long-Term Liabilities	13,708	12,053	12,656	11,438	10,194
Total Liabilities	969,236	924,671	919,830	896,448	881,616
Common Stock	50,314	35	37	39	39
Additional Paid-In Capital	-	17,116	17,117	17,105	17,089
Retained Earnings	-	40,299	41,538	35,462	35,180
Treasury Stock	-	-1,994	-1,205	-1,612	-4
Comprehensive Income & Other	-	-772	-987	1,072	2,333
Total Common Equity	50,314	54,684	56,500	52,066	54,637
Minority Interest	995	944	504	736	1,022
Shareholders' Equity	51,309	55,628	57,004	52,802	55,659
Total Liabilities & Equity	1,020,545	980,299	976,834	949,250	937,275
Total Debt	211,889	220,877	196,544	171,267	174,287
Net Cash (Debt)	-66,176	-93,378	-72,304	-66,227	-63,735
Net Cash Per Share	-20.50	-26.19	-19.95	-17.02	-16.34
Filing Date Shares Outstanding	3,096	3,344	3,619	3,776	3,900
Total Common Shares Outstanding	3,096	3,344	3,619	3,776	3,900
Book Value Per Share	16.25	16.35	15.61	13.79	14.01
Tangible Book Value	48,980	53,486	55,398	50,910	53,243
Tangible Book Value Per Share	15.82	16.00	15.31	13.48	13.65

Source: S&P Capital IQ. Banks template. Financial Sources.