ING Groep Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Interest Income on Loans	-	43,760	49,474	44,658	24,439	18,577
Interest Income on Investments	-	7,568	9,685	7,741	3,934	2,474
Total Interest Income	-	51,328	59,159	52,399	28,373	21,051
Interest Paid on Deposits	-	29,718	34,878	28,510	10,019	5,085
Interest Paid on Borrowings	-	6,653	8,993	7,726	3,762	1,966
Total Interest Expense	-	36,371	43,871	36,236	13,781	7,051
Net Interest Income	16,537	14,957	15,288	16,163	14,592	14,000
Net Interest Income Growth	11.68%	-2.17%	-5.41%	10.77%	4.23%	3.31%
Gain (Loss) on Sale of Assets	-	-	-	-	6	-29
Gain (Loss) on Sale of Investments	39	19	-141	-13	-165	42
Gain (Loss) on Sale of Equity Investments	209	209	205	149	92	141
Other Non-Interest Income	10,075	10,578	5,896	2,066	16,226	5,868
Total Non-Interest Income	10,323	10,806	5,960	2,202	16,159	6,022
Non-Interest Income Growth	59.58%	81.31%	170.66%	-86.37%	168.33%	61.40%
Revenues Before Loan Losses	26,860	25,763	21,248	18,365	30,751	20,022
Provision for Loan Losses	1,394	1,304	1,194	738	1,328	516
Revenue	25,466	24,459	20,054	17,627	29,423	19,506
Revenue Growth	27.08%	21.97%	13.77%	-40.09%	50.84%	33.54%
Salaries and Employee Benefits	7,705	7,546	7,139	6,693	6,125	5,910
Selling, General & Administrative	323	323	322	320	357	336
Other Non-Interest Expense	4,189	4,170	4,287	4,550	4,467	4,612
Total Non-Interest Expense	12,217	12,039	11,748	11,563	10,949	10,858
EBT Excluding Unusual Items	13,249	12,420	8,306	6,064	18,474	8,648
Asset Writedown	-16	-16	-30	-	-79	-121
Legal Settlements	-238	-238	-202	-	-	-
Other Unusual Items	-85.79	-85.79	-159	-26.73	-866.93	72
Pretax Income	12,620	11,791	7,773	6,037	17,358	8,385
Income Tax Expense	3,597	3,192	2,181	1,662	5,130	2,306
Earnings From Continuing Operations	9,023	8,599	5,592	4,375	12,228	6,079
Minority Interest in Earnings	-263	-275	-258	-235	-102	-128
Net Income	8,760	8,324	5,334	4,140	12,126	5,951
Net Income to Common	8,760	8,324	5,334	4,140	12,126	5,951
Net Income Growth	74.75%	56.05%	28.84%	-65.86%	103.76%	164.49%
Basic Shares Outstanding	-	2,990	3,229	3,563	3,619	3,889
Diluted Shares Outstanding	-	2,990	3,229	3,565	3,624	3,891
Shares Change	-	-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%	165.13%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.736	1.086	1.060	1.106	0.559	0.890
Dividend Growth	-30.57%	2.45%	-4.16%	97.85%	-37.19%	641.67%
Effective Tax Rate	28.50%	27.07%	28.06%	27.53%	29.55%	27.50%