ING Groep N.V. (INGVF)

ING Groep Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	14,957	15,288	16,162	14,593	14,000
Net Interest Income Growth	-2.17%	-5.41%	10.75%	4.24%	3.31%
Non-Interest Income	15,324	9,808	5,553	19,412	9,611
Non-Interest Income Growth	56.24%	76.63%	-71.39%	101.98%	43.77%
Revenues Before Loan Losses	25,678	21,087	18,121	30,418	20,093
Provision for Credit Losses	-1,304	-1,194	-520	1,861	516
Revenue	26,982	22,281	18,641	28,557	19,577
Revenue Growth (YoY)	21.10%	19.53%	-34.72%	45.87%	34.53%
Compensation Expenses	7,600	7,184	6,725	6,152	5,941
Selling, General & Admin	4,984	4,937	4,839	5,047	5,251
Total Non-Interest Expense	13,887	13,315	12,084	13,060	11,708
Pretax Income	11,791	7,772	6,037	17,358	8,385
Provision for Income Taxes	3,192	2,181	1,662	5,130	2,306
Net Income	8,324	5,334	4,140	12,126	5,951
Minority Interest in Earnings	-	-	-	102	128
Net Income to Common	8,324	5,334	4,140	12,126	5,951
Net Income Growth	56.05%	28.84%	-65.86%	103.76%	164.49%
Shares Outstanding (Basic)	2,990	3,229	3,563	3,619	3,889
Shares Outstanding (Diluted)	2,990	3,229	3,565	3,624	3,891
Shares Change (YoY)	-7.40%	-9.44%	-1.63%	-6.85%	-0.27%
EPS (Basic)	2.78	1.65	1.16	3.35	1.53
EPS (Diluted)	2.78	1.65	1.16	3.35	1.53
EPS Growth	68.48%	42.24%	-65.37%	118.95%	163.79%
Free Cash Flow	-6,731	-22,876	-11,586	-11,343	-15,127
Free Cash Flow Per Share	-2.25	-7.09	-3.25	-3.13	-3.89
Dividends Per Share	1.086	1.060	1.106	0.559	0.890
Dividend Growth	2.45%	-4.16%	97.85%	-37.19%	641.67%
Profit Margin	34.18%	28.11%	26.01%	42.82%	31.05%
FCF Margin	-26.75%	-115.00%	-68.89%	-39.72%	-77.27%
EBITDA	665	673	674	711	834
EBITDA Margin	2.64%	3.38%	4.01%	2.49%	4.26%
Effective Tax Rate	27.07%	28.06%	27.53%	29.55%	27.50%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.