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	4,998	6,097
Non-Interest Income Growth	9.65%	15.49%	32.15%	-18.02%	55.97%
Revenues Before Loan Losses	23,045	22,651	22,580	18,754	20,097
Provision for Credit Losses	1,304	1,194	520	1,861	516
Revenue	21,741	21,457	22,060	16,893	19,581
Revenue Growth (YoY)	1.32%	-2.73%	30.59%	-13.73%	32.43%
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	12,593	12,156	11,569	11,391	11,195
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	6,327	6,392	7,287	3,674	5,951
Minority Interest in Earnings	275	258	235	102	128
Net Income to Common	6,327	6,392	7,287	3,674	5,951
Net Income Growth	-1.02%	-12.28%	98.34%	-38.26%	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)	2.12	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	3,776
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	30.37%	30.99%	34.10%	22.36%	31.05%
FCF Margin	-30.96%	-106.61%	-52.52%	-67.15%	-77.25%
EBITDA	665	673	674	711	834
EBITDA Margin	3.06%	3.14%	3.06%	4.21%	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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