ING Groep N.V. (ING) — Financial statements
Income statement, balance sheet, and cash flow for ING Groep N.V. — annual and quarterly history with growth and margin analysis.
| Metric (EUR Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 23,035↓65.3% | 66,409↑12.7% | 58,901↑75.3% | 33,606↑30.3% | 25,783 | |
| Cost of Revenue | 1,304↓97.1% | 44,996↑22.4% | 36,747↑122.1% | 16,543↑107.1% | 7,989 | |
| Gross Profit | 21,731↑1.5% | 21,413↓3.3% | 22,154↑29.8% | 17,063↓4.1% | 17,794 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 0.00↓100.0% | 7,691↑4.9% | 7,334↑7.1% | 6,850↑2.9% | 6,657 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 441↑19.5% | 369↑11.5% | 331↑8.5% | 305 | |
| SG&A Expenses | 0.00↓100.0% | 8,132↑5.6% | 7,703↑7.3% | 7,181↑3.1% | 6,962 | |
| Other Expenses | 12,583↑216.1% | 3,981↑0.6% | 3,959↓9.6% | 4,380↑8.1% | 4,050 | |
| Operating Expenses | 12,583↑3.9% | 12,113↑3.9% | 11,662↑0.9% | 11,561↑5.0% | 11,012 | |
| Total Costs & Expenses | 13,887↓75.7% | 57,109↑18.0% | 48,409↑72.2% | 28,104↑47.9% | 19,001 | |
| Operating Results | ||||||
| Operating Income | 9,148↓1.6% | 9,300↓11.4% | 10,492↑90.7% | 5,502↓18.9% | 6,782 | |
| Depreciation & Amortization | 0.00↓100.0% | 673↓0.1% | 674↓5.2% | 711↓14.7% | 834 | |
| EBITDA | 9,148↓8.3% | 9,973↓10.7% | 11,166↑79.7% | 6,213↓18.4% | 7,616 | |
| EBIT | 9,148↓1.6% | 9,300↓11.4% | 10,492↑90.7% | 5,502↓18.9% | 6,782 | |
| Interest & Other Income | ||||||
| Net Interest Income | 14,681↓2.3% | 15,023↓6.0% | 15,976↑16.1% | 13,757↑1.0% | 13,615 | |
| Interest Income | 14,681↓75.1% | 58,905↑12.8% | 52,228↑83.4% | 28,471↑34.9% | 21,113 | |
| Interest Expense | 0.00↓100.0% | 43,882↑21.0% | 36,252↑146.4% | 14,714↑96.2% | 7,498 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 9,148↓1.6% | 9,300↓11.4% | 10,492↑90.7% | 5,502↓18.9% | 6,782 | |
| Income Tax Expense | 2,545↓4.0% | 2,650↓10.8% | 2,970↑72.2% | 1,725↓8.1% | 1,877 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 6,603↓0.7% | 6,650↓11.6% | 7,522↑99.2% | 3,777↓23.0% | 4,905 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 6,327↓1.0% | 6,392↓12.3% | 7,287↑98.3% | 3,674↓23.1% | 4,776 | |
| Bottom-Line Net Income | 6,327↓1.0% | 6,392↓12.3% | 7,287↑98.3% | 3,674↓23.1% | 4,776 | |
| EPS (Basic) | 2.12↑28.5% | 1.65↑42.2% | 1.16↑13.7% | 1.02↓17.1% | 1.23 | |
| EPS (Diluted) | 2.12↑28.5% | 1.65↑42.2% | 1.16↑14.9% | 1.01↓17.9% | 1.23 | |
| Weighted Average Shares | 2,984↓5.7% | 3,165↓11.3% | 3,569↓1.4% | 3,619↓7.0% | 3,890 | |
| Weighted Average Diluted Shares | 2,984↓5.7% | 3,165↓11.2% | 3,565↓1.6% | 3,624↓6.8% | 3,891 | |
* All figures in Millions of EUR, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.