ING Groep N.V. (LON:0RIC)

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	6,627	9,518	15,629	9,831	11,117
Investment Securities	158,000	154,830	141,937	135,279	145,822
Trading Asset Securities	81,393	59,622	54,420	47,289	46,129
Total Investments	239,393	214,452	196,357	182,568	191,951
Gross Loans	703,928	662,283	671,556	646,283	619,960
Allowance for Loan Losses	-5,855	-5,651	-6,021	-5,296	-5,802
Other Adjustments to Gross Loans	-1,145	-1,040	-792	-525	-508
Net Loans	696,928	655,592	664,743	640,462	613,650
Property, Plant & Equipment	2,434	2,399	2,446	2,515	2,841
Goodwill	476	469	464	472	533
Other Intangible Assets	858	729	638	684	861
Investments in Real Estate	19	14	18	26	20
Accrued Interest Receivable	499	523	551	798	781
Other Receivables	485	311	349	549	419
Restricted Cash	68,708	88,627	85,933	104,870	109,236
Other Current Assets	3,981	4,339	5,591	2,476	2,287
Long-Term Deferred Tax Assets	1,001	1,085	1,425	1,303	773
Other Long-Term Assets	2,447	2,241	2,690	2,696	2,806
Total Assets	1,023,856	980,299	976,834	949,250	937,275
Accrued Expenses	1,683	1,360	998	1,021	925
Interest Bearing Deposits	681,045	647,800	670,470	672,104	638,589
Non-Interest Bearing Deposits	27,339	25,733	26,961	30,388	49,151
Total Deposits	708,384	673,533	697,431	702,492	687,740
Short-Term Borrowings	66,687	70,877	77,048	55,253	68,543
Current Portion of Long-Term Debt	53,595	49,126	37,222	37,948	27,014
Current Portion of Leases	226	237	232	217	225
Current Income Taxes Payable	276	396	325	271	342
Other Current Liabilities	9,663	14,811	9,056	9,349	7,111
Long-Term Debt	116,616	99,712	81,101	76,846	77,390
Long-Term Leases	890	925	941	1,003	1,115
Pension & Post-Retirement Benefits	190	194	168	299	433
Long-Term Deferred Tax Liabilities	1,209	1,447	2,652	311	584
Other Long-Term Liabilities	10,739	12,053	12,656	11,438	10,194
Total Liabilities	970,158	924,671	919,830	896,448	881,616
Common Stock	31	35	37	39	39
Additional Paid-In Capital	17,117	17,116	17,117	17,105	17,089
Retained Earnings	36,243	40,299	41,538	35,462	35,180
Treasury Stock	-765	-1,994	-1,205	-1,612	-4
Comprehensive Income & Other	77	-772	-987	1,072	2,333
Total Common Equity	52,703	54,684	56,500	52,066	54,637
Minority Interest	995	944	504	736	1,022
Shareholders' Equity	53,698	55,628	57,004	52,802	55,659
Total Liabilities & Equity	1,023,856	980,299	976,834	949,250	937,275
Total Debt	238,014	220,877	196,544	171,267	174,287
Net Cash (Debt)	-96,070	-93,388	-72,304	-66,227	-63,735
Net Cash Per Share	-29.76	-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	17.02	16.35	15.61	13.79	14.01
Tangible Book Value	51,369	53,486	55,398	50,910	53,243
Tangible Book Value Per Share	16.59	16.00	15.31	13.48	13.65

Updated Mar 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.