Fast facts

Key figures

in accordance with IFRS-EU

Our financial goals
  Ambition 2017 2015 2014 2013
Common Equity Tier 1 ratio fully loaded ING Group >12.5% 12.7% 10.5% n/a
Common Equity Tier 1 ratio fully loaded ING Bank >10% 11.6% 11.4% 10.0%
Leverage ratio ING Bank 1 ~4% 4.5% 4.1% 3.9%
Underlying cost/income ratio ING Bank 50-53% 55.9% 58.7% 56.8%
Underlying return on equity ING Bank 10-13% 10.8% 9.9% 9.0%
Dividend per share (in euros)   0.65 0.12 n/a
 
Consolidated result
(in EUR million)   2015 2014 2013
Income   16,552 15,296 15,305
Operating expenses   9,246 8,979 8,694
Addition to loan loss provision   1,347 1,594 2,288
Underlying result before taxation   5,959 4,724 4,323
Underlying net result Banking   4,219 3,424 3,155
Divestments/special items   309 -819 -124
Net result Banking   4,528 2,606 3,031
Legacy insurance business   -518 -1,355 515
Net result attributable to ING Group's shareholders   4,010 1,251 3,545
 
Balance sheet
(in EUR billion, year-end)   2015 2014 2013
Total assets ING Groep N.V.   842 993 1,081
Shareholders’ equity ING Groep N.V.   48 51 46
Customer lending ING Bank N.V. 2   533 514 499
Customer deposits ING Bank N.V.   509 489 475
 
Other indicators
    2015 2014 2013
Effective underlying tax rate (in %) Banking   28.0 25.8 24.9
Risk-weighted assets ING Bank (EUR billion, year-end)   318 296 283
Underlying risk costs in bps of average RWA   44 55 83
 
Non-financial key figures
    2015 2014 2013
Net Promoter Score Retail Banking (number of countries with number one ranking) 3   7 9 6
Total number of Retail Banking primary relationships (in million) 4   8.9 8.4 5 7.8
Sustainable transitions financed (in EUR billion) 4   23.8 19.5 n/a
Sustainable assets under management (in EUR million) 4   2,573 1,538 886
Total extrapolated CO2 emissions (in kilotonne)   96 102 127
Human Capital Return on Investment indicator   2.48 2.30 2.36
1 The leverage ratio is calculated using the published IFRS-EU balance sheet, in which notional cash pooling activities are netted, plus off balance-sheet commitments. The pro-forma leverage ratio of ING Bank, taking into account the combined impact of grossing up the notional cash pool activities and the alignment with the Delegated Act (which was adopted in January 2015) is 4.1%, an increase of 0.5 percentage point compared with year-end 2014.
2 Customer lending is defined as: loans & advances to customers -/- securities at amortised costs and IABF -/- provision for loan losses.
3 Our Net Promoter Score (NPS) rankings are based on a rolling average of NPS results calculated over the four quarters of 2015.
4 As at 31 December 2015.
5 2014 data has been restated to reflect improvements in data-gathering and measurement in Belgium, the Netherlands, Romania and Luxembourg during 2015, and to ensure accurate historical comparison.

 

Credit Ratings

   
  Standard & Poor's Moody's Fitch
ING Groep N.V. A-
(PDF, 401KB)
Updated 29 Dec 2015
Baa1
(PDF, 123KB)
Updated 18 Jan 2016
A+
(PDF, 44KB)
Updated 14 Apr 2016
ING Bank N.V. A
(PDF, 401KB)
Updated 29 Dec 2015
A1
(PDF, 147KB)
Updated 18 Jan 2016
A+
(PDF, 44KB)
Updated 14 Apr 2016
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