Fast facts

Key figures

in accordance with IFRS-EU

Our financial goals
Ambition 2017 2014 2013 2012
Common Equity Tier 1 ratio fully loaded ING Bank >10% 11.4% 10.0% n/a
Leverage ratio ING Bank (1) ~4% 4.1% 3.9% n/a
Underlying cost/income ratio ING Bank 50-53% 58.7% 56.8% 60.3%
Underlying return on equity ING Bank 10-13% 9.9% 9.0% 7.0%
Dividend payout ING Group ≥40% 38% n/a n/a
Consolidated result
(in EUR million) 2014 2013 2012
Income 15,296 15,305 14,313
Operating expenses 8,979 8,694 8,638
Addition to loan loss provision 1,594 2,288 2,121
Underlying result before taxation 4,724 4,323 3,554
Underlying net result Banking 3,424 3,155 2,450
Divestments/special items -819 -124 684
Net result Banking 2,606 3,031 3,134
Legacy insurance business -1,355 515 1,228
Net result attributable to ING Group's shareholders 1,251 3,545 4,362
Balance sheet
(in EUR billion, year-end) 2014 2013 2012
Total assets ING Groep N.V. 993 1,081 1,165
Shareholders’ equity ING Groep N.V. 50 46 51
Core Tier 1 securities ING Groep N.V. 0 1.5 2.3
Customer lending ING Bank N.V. 508 493 520
Customer deposits ING Bank N.V. 489 475 460
Other indicators
2014 2013 2012
Effective underlying tax rate Banking 25.8% 24.9% 28.5%
Risk-weighted assets ING Bank (EUR billion, year-end) 296 283 279
Underlying risk costs in bps of average RWA 55 83 74
Non Financials Key Figures
2014 2013 2012
Net Promoter Score Retail Banking (number of countries with number one ranking) 9(2) 6 7
Total number of Retail Banking primary relationships (in million) 8.2 7.7 n/a
Sustainable transitions financed (in EUR billion) 19.5 n/a n/a
Sustainable assets under management (in EUR million) 1,538 886 673
Employee engagement score 75% 74% 73%
Total extrapolated CO2 emissions (in kilotonne)(3) 102 127 n/a

(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. In January 2015, the EC formally adopted the Delegated Act for the leverage ratio. 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, is 3.6%.
(2) Our Net Promoter Scores (NPS) in 2014 are based on the latest research results available over 3Q and 4Q.
(3) We report on total extrapolated CO2 emissions (in kilotonne) excluding NN Group results. In 2012 no CO2 data were gathered in CO2 equivalent.

Ratings

Credit Ratings

  Standard & Poor's Moody's Fitch
ING Groep N.V.
 
 
A-
(PDF, 270KB)
Updated 8 Jun 2015
Baa1
(PDF, 120KB)
Updated 16 June 2015
A
(PDF, 47.8KB)
Updated 19 May 2015
ING Bank N.V.
 
 
A
(PDF, 270KB)
Updated 8 Jun 2015
A1
(PDF, 146KB)
Updated 16 June 2015
A
(PDF, 47.8KB)
Updated 19 May 2015

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