ING Groep Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Net Interest Income	14,681	15,023	15,975	13,756	14,000
Net Interest Income Growth	-2.28%	-5.96%	16.13%	-1.74%	3.31%
Non-Interest Income	8,364	7,628	6,605	4,992	6,097
Non-Interest Income Growth	9.65%	15.49%	32.31%	-18.12%	55.97%
Revenues Before Loan Losses	23,035	22,615	22,575	18,561	20,093
Provision for Credit Losses	1,304	1,194	520	1,861	516
Revenue	21,731	21,421	22,055	16,700	19,577
Revenue Growth (YoY)	1.45%	-2.88%	32.07%	-14.70%	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
Other Non-Interest Expenses	-9	-35	-5	-192	-3
Total Non-Interest Expense	13,887	13,315	12,084	13,060	11,708
Pretax Income	9,148	9,300	10,492	5,502	8,385
Provision for Income Taxes	2,545	2,650	2,970	1,725	2,306
Net Income	12,929	13,042	14,808	7,451	12,030
Minority Interest in Earnings	275	258	235	102	128
Net Income to Common	12,929	13,042	14,808	7,451	12,030
Net Income Growth	-0.87%	-11.93%	98.74%	-38.06%	162.72%
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)	2.12	1.98	2.05	1.02	1.53
EPS (Diluted)	2.12	1.98	2.04	1.01	1.53
EPS Growth	7.07%	-2.94%	101.98%	-33.99%	163.79%
Shares Outstanding	2,902	3,096	3,344	3,619	3,904
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	30.39%	31.04%	34.11%	22.62%	31.05%
FCF Margin	-30.97%	-106.79%	-52.53%	-67.92%	-77.27%
EBITDA	665	673	674	711	834
EBITDA Margin	3.06%	3.14%	3.06%	4.26%	4.26%
Effective Tax Rate	27.82%	28.49%	28.31%	31.35%	27.50%

Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

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