ING Groep N.V. (ETR: INN1)

ING Groep Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	100,118	9,518	15,629	9,831	11,117	11,328
Investment Securities	165,661	154,820	141,937	135,279	145,822	135,046
Trading Asset Securities	79,672	59,632	54,420	47,289	46,129	43,687
Total Investments	245,333	214,452	196,357	182,568	191,951	178,733
Gross Loans	697,478	662,283	671,556	646,283	619,960	642,596
Allowance for Loan Losses	-6,033	-5,651	-6,021	-5,296	-5,802	-4,599
Other Adjustments to Gross Loans	-	-1,040	-792	-525	-508	-580
Net Loans	691,445	655,592	664,743	640,462	613,650	637,417
Property, Plant & Equipment	2,413	2,399	2,446	2,515	2,841	3,172
Goodwill	-	469	464	472	533	907
Other Intangible Assets	1,296	729	638	684	861	1,009
Investments in Real Estate	-	14	18	26	20	46
Accrued Interest Receivable	-	523	551	798	781	783
Other Receivables	-	311	349	549	419	251
Restricted Cash	-	88,627	85,933	104,870	109,236	51,178
Other Current Assets	-	4,339	5,591	2,476	2,287	2,934
Long-Term Deferred Tax Assets	-	1,085	1,425	1,303	773	730
Other Long-Term Assets	8,865	2,241	2,690	2,696	2,806	3,256
Total Assets	1,049,470	980,299	976,834	949,250	937,275	891,744
Accrued Expenses	-	1,360	998	1,021	925	968
Interest Bearing Deposits	494,061	647,800	670,470	672,104	638,589	565,267
Non-Interest Bearing Deposits	221,000	25,733	26,961	30,388	49,151	43,992
Total Deposits	715,061	673,533	697,431	702,492	687,740	609,259
Short-Term Borrowings	1,797	70,877	77,048	55,253	68,543	62,033
Current Portion of Long-Term Debt	-	49,126	37,222	37,948	27,014	51,809
Current Portion of Leases	-	237	232	217	225	216
Current Income Taxes Payable	-	396	325	271	342	554
Other Current Liabilities	38,775	14,811	9,056	9,349	7,111	6,862
Long-Term Debt	228,411	99,712	81,101	76,846	77,390	91,606
Long-Term Leases	-	925	941	1,003	1,115	1,291
Pension & Post-Retirement Benefits	-	194	168	299	433	567
Long-Term Deferred Tax Liabilities	-	1,447	2,652	311	584	695
Other Long-Term Liabilities	13,191	12,053	12,656	11,438	10,194	11,222
Total Liabilities	997,235	924,671	919,830	896,448	881,616	837,082
Common Stock	51,294	35	37	39	39	39
Additional Paid-In Capital	-	17,116	17,117	17,105	17,089	17,078
Retained Earnings	-	40,299	41,538	35,462	35,180	32,663
Treasury Stock	-	-1,994	-1,205	-1,612	-4	-10
Comprehensive Income & Other	-	-772	-987	1,072	2,333	3,999
Total Common Equity	51,294	54,684	56,500	52,066	54,637	53,769
Minority Interest	941	944	504	736	1,022	893
Shareholders' Equity	52,235	55,628	57,004	52,802	55,659	54,662
Total Liabilities & Equity	1,049,470	980,299	976,834	949,250	937,275	891,744
Total Debt	230,208	220,877	196,544	171,267	174,287	206,955
Net Cash (Debt)	-50,418	-93,378	-72,304	-66,227	-63,735	-100,806
Net Cash Per Share	-15.29	-26.19	-19.95	-17.02	-16.34	-25.88
Filing Date Shares Outstanding	3,162	3,344	3,619	3,776	3,900	3,896
Total Common Shares Outstanding	3,162	3,344	3,619	3,776	3,900	3,896
Book Value Per Share	16.22	16.35	15.61	13.79	14.01	13.80
Tangible Book Value	49,998	53,486	55,398	50,910	53,243	51,853
Tangible Book Value Per Share	15.81	16.00	15.31	13.48	13.65	13.31

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