Below are the financial statements of ING Groep, including the income statement and balance sheet for the company's latest fiscal year. All figures are accurate, verifiable, and fully traceable to the original annual filing where disclosed.
| All figures in millions of EUR | 2024 | 2023 | 2022 |
|---|---|---|---|
| Interest income using effective interest rate method | 49,220a | 44,486a | 24,537a |
| Other interest income | 9,685a | 7,741a | 3,934a |
| Total interest income | 58,905a | 52,227a | 28,470a |
| Interest expense using effective interest rate method | -34,889a | -28,526a | -10,952a |
| Other interest expense | -8,993a | -7,726a | -3,762a |
| Total interest expense | -43,882a | -36,252a | -14,714a |
| Net interest income | 15,023a | 15,976a | 13,756a |
| Fee and commission income | 5,604a | 5,109a | 5,085a |
| Fee and commission expense | -1,596a | -1,514a | -1,499a |
| Net fee and commission income | 4,008a | 3,595a | 3,586a |
| Valuation results and net trading income | 3,407a | 2,910a | 1,501a |
| Investment income | 13a | 95a | 181a |
| Share of result from associates and joint ventures | 205a | 149a | 92a |
| Impairment of associates and joint ventures | -35a | -5a | -192a |
| Result on disposal of group companies | 0a | 0a | 6a |
| Net result on derecognition of financial assets measured at amortised cost | -2a | 3a | -5a |
| Other net income | -3a | -147a | -363a |
| Total income | 22,615a | 22,575a | 18,561a |
| Addition to loan loss provisions | -1,194a | -520a | -1,861a |
| Staff expenses | -7,184a | -6,725a | -6,152a |
| Other operating expenses | -4,937a | -4,839a | -5,047a |
| Total expenses | -13,315a | -12,084a | -13,060a |
| Result before tax | 9,300a | 10,492a | 5,502a |
| Taxation | -2,650a | -2,970a | -1,725a |
| Net result | 6,650a | 7,521a | 3,777a |
| Net result attributable to: | — | — | — |
| Non-controlling interests | 258a | 235a | 102a |
| Shareholders of the parent | 6,392a | 7,287a | 3,674a |
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