ING Groep N.v. (ING) Financial Statements

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ING Groep financial statements at a glance

ING Groep reported revenue of 22.90 billion EUR for fiscal year 2025 (ended December 31, 2025), up 1.7% from fiscal year 2024. Net income was 6.33 billion EUR, a net margin of 27.6%, and diluted earnings per share were 2.12 EUR.

At the end of fiscal year 2025 it had total assets of 1.05 trillion EUR, total liabilities of 1.00 trillion EUR and shareholders' equity of 49.70 billion EUR, with cash of 52.89 billion EUR and total debt of 179.22 billion EUR.

Its operations brought in -6.38 billion EUR of cash; capital spending was 351.00 million EUR, leaving free cash flow of -6.73 billion EUR.

The tables below show the income statement, balance sheet and cash flow statement; the key figures of the last 5 fiscal years are at the bottom of the page.

Figures from company filings, in EUR; latest fiscal year ended December 31, 2025.

ING logo

ING Groep N.v.

INGNetherlands
Financial Services
EUR (Local)

Income Statement

Annual • EUR

Total Revenue
22.90B
Prev Year: 22.53B
YoY: +1.7%
Net Interest Income
14.68B
Prev Year: 15.02B
YoY: -2.3%
Interest Income
51.05B
Prev Year: 58.91B
YoY: -13.3%
Interest Expense
36.37B
Prev Year: 43.88B
YoY: -17.1%
Non Interest Income
-
Prev Year: 7.50B
Fees And Commissions
-
Prev Year: 4.01B
Gain on Sale of Securities
-3.81B
Prev Year: 2.08B
YoY: -283.4%
Fees and Commission Income
-
Prev Year: 5.61B
Operating Revenue
22.90B
Provision for Credit Losses
-
Prev Year: -1.11B
Professional and Contract Services Expense
440.00M
Prev Year: 364.00M
YoY: +20.9%
Selling General and Administrative
8.04B
Prev Year: 8.13B
YoY: -1.1%
General and Administrative Expense
7.60B
Prev Year: 7.69B
YoY: -1.2%
Salaries and Wages
7.60B
Prev Year: 7.18B
YoY: +5.8%
Selling and Marketing Expense
443.00M
Prev Year: 441.00M
YoY: +0.5%
Other Noninterest Expense
3.42B
Prev Year: 2.78B
YoY: +23.1%
Special Income Charges
-77.00M
Prev Year: -366.00M
YoY: +79.0%
Non Interest Expense
-
Prev Year: 11.95B
Other Special Charges
68.00M
Prev Year: 159.00M
YoY: -57.2%
Pre-tax Income
9.15B
Prev Year: 9.30B
YoY: -1.6%
Income from Associates and Other Participating Interests
-
Prev Year: 205.00M
Provision for Income Taxes
2.54B
Prev Year: 2.65B
YoY: -4.0%
Net Income Common Stockholders
6.33B
Prev Year: 6.39B
YoY: -1.0%
Net Income
6.33B
Prev Year: 6.39B
YoY: -1.0%
Net Income Including Non-Controlling Interests
6.60B
Prev Year: 6.65B
YoY: -0.7%
Net Income from Continuing Operations
6.60B
Prev Year: 6.65B
YoY: -0.7%
Diluted NI Available to Com Stockholders
6.33B
Prev Year: 6.39B
YoY: -1.0%
Basic EPS
2.12
Prev Year: 1.98
YoY: +7.1%
Diluted EPS
2.12
Prev Year: 1.98
YoY: +7.1%
Weighted Average Shares (basic)
2.99B
Prev Year: 3.23B
YoY: -7.4%
Weighted Average Shares (diluted)
2.99B
Prev Year: 3.23B
YoY: -7.4%
Net Income from Continuing and Discontinued Operation
6.33B
Prev Year: 6.39B
YoY: -1.0%
Normalized Income
6.38B
Prev Year: 6.65B
YoY: -4.1%
Reconciled Depreciation
665.00M
Prev Year: 673.00M
YoY: -1.2%
Interest Income After Provision for Loan Loss
-
Prev Year: 13.91B
Net Income from Continuing Operation Net Minority Interest
6.33B
Prev Year: 6.39B
YoY: -1.0%
Total Unusual Items Excluding Goodwill
-77.00M
Prev Year: -366.00M
YoY: +79.0%
Total Unusual Items
-77.00M
Prev Year: -366.00M
YoY: +79.0%
Tax Rate for Calcs
0.278
Prev Year: 0
Tax Effect of Unusual Items
-21.41M
Prev Year: -104.31M
YoY: +79.5%
Noncontrolling Interests
-275.00M
Prev Year: -258.00M
YoY: -6.6%
Write-offs
9.00M
Prev Year: 35.00M
YoY: -74.3%
Depreciation Amortization Depletion
681.00M
Prev Year: 673.00M
YoY: +1.2%
Depreciation and amortization
681.00M
Prev Year: 673.00M
YoY: +1.2%
Amortization
230.00M
Prev Year: 216.00M
YoY: +6.5%
Amortization of Intangibles
230.00M
Prev Year: 216.00M
YoY: +6.5%
Depreciation
451.00M
Prev Year: 457.00M
YoY: -1.3%
Values in EUR

ING Groep key figures by fiscal year

FY2025FY2024FY2023FY2022FY2021
Revenue22.9B EUR22.5B EUR22.6B EUR18.9B EUR18.3B EUR
Net income6.3B EUR6.4B EUR7.3B EUR3.7B EUR4.8B EUR
Diluted EPS2.12 EUR1.98 EUR2.04 EUR1.01 EUR1.23 EUR
Total assets1.1T EUR1.0T EUR975.6B EUR967.8B EUR951.3B EUR
Total liabilities1.0T EUR969.2B EUR923.4B EUR917.4B EUR896.6B EUR
Shareholders' equity49.7B EUR50.3B EUR51.2B EUR49.9B EUR53.9B EUR
Cash52.9B EUR70.0B EUR89.9B EUR87.3B EUR106.1B EUR
Total debt179.2B EUR171.3B EUR150.0B EUR119.5B EUR116.0B EUR
Operating cash flow-6.4B EUR-22.5B EUR-11.3B EUR-11.1B EUR-14.9B EUR
Capital spending351.0M EUR332.0M EUR246.0M EUR231.0M EUR184.0M EUR
Free cash flow-6.7B EUR-22.9B EUR-11.6B EUR-11.3B EUR-15.1B EUR

In EUR. Fiscal years as reported by the company; statements on this page go back to fiscal year 2014.

Questions and answers

What was ING Groep's revenue in fiscal year 2025?

22.90 billion EUR, up 1.7% from 22.53 billion EUR in fiscal year 2024.

How much profit does ING Groep make?

ING Groep reported net income of 6.33 billion EUR for fiscal year 2025 (27.6% of revenue).

How much cash and debt does ING Groep have?

At the end of fiscal year 2025: cash of 52.89 billion EUR and total debt of 179.22 billion EUR.

What is ING Groep's free cash flow?

-6.73 billion EUR in fiscal year 2025 (operating cash flow of -6.38 billion EUR minus capital spending of 351.00 million EUR).

Disclaimer: This analysis is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Data may be incomplete, delayed, or contain inaccuracies. Consult with a qualified financial advisor before making any investment decisions.
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