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Key figures

in accordance with IFRS-EU

Our financial goals
  Ambition 2020 2016 2015 2014
Common Equity Tier 1 ratio fully loaded ING Group > Prevailing fully-loaded requirements 14.2% 12.7% 10.5
Common Equity Tier 1 ratio fully loaded ING Bank   12.6% 11.6% 11.4%
Leverage ratio ING Group 1 >4% 4.8% 4.4%  
Leverage ratio ING Bank 1   4.2% 4.1% 3.6%
Underlying cost/income ratio 50-52% 54.2% 55.9% 58.7%
Underlying return on equity ING Group awaiting regulatory clarity 10.1% 8.6% 7.2%
Underlying return on equity ING Bank   11.6% 10.8% 9.9%
Dividend per share (in euros) progressive dividend over time 0.66 0.65 0.12
 
Consolidated result 2
(in EUR million)   2016 2015 2014
Net result attributable to ING Group's shareholders   4,651 4,010 1,251
Underlying net result Banking   4,976 4,219 3,424
Underlying result before taxation Banking   7,028 5,959 4,724
of which underlying income   17,458 16,552 15,296
of which underlying operating expenses   9,456 9,246 8,979
of which underlying addition to loan loss provision   974 1,347 1,594
 
Balance sheet
in EUR billion, year-end   2016 2015 2014
Total assets ING Groep N.V. 3   845 1,005 1,179
Total assets ING Groep N.V. 5   845 842 993
Shareholders’ equity ING Groep N.V.   50 48 51
Customer lending ING Bank N.V. 4, 5   561 533 514
Customer deposits ING Bank N.V. 5   531 509 489
 
Other indicators
    2016 2015 2014
Effective underlying tax rate (in %) Banking   28.1 28.0 25.8
Risk-weighted assets ING Bank (EUR billion, year-end)   312 318 296
Underlying risk costs in bps of average RWA   31 44 55
 
Share information
    2016 2015 2014
Net result per share (in euros)   1.20 1.04 0.32
Shareholders' equity per share (end of period in euros)   12.84 12.36 13.08
Dividend per share (in euros)   0.66 0.65 0.12
Price/earnings ratio 5   11.1 12.0 33.8
Price/book ratio (end of period)   1.04 1.01 0.83
 
Non-financial key figures
    2016 2015 2014
Net Promoter Score Retail Banking (number of countries with number one ranking, rolling average)   7 7 9
Total number of Retail Banking primary relationships (in million, as of year-end)   9.7 9.0 8.4
Sustainable transitions financed (in EUR billion, as of year-end) 7   34.3 23.8 19.5
Sustainable assets under management (in EUR million, as of year-end)   3,306 2,573 1,538
Number of customers that felt financially empowered (in million, as of year-end)   23.9 20.5 -
Total extrapolated CO2e emissions (in kilotonne)   74 94 101
Human Capital Return on Investment indicator   2.59 2.48 2.30
System availability in the Netherlands and Belgium (in percentage)   99.75 99.6 99.3
1 The leverage ratio of ING Bank/ING Group according to the Delegated Act (including grandfathered securities) takes into account the impact of grossing up the notional cash pool activities.
2 For further explanation of non-GAAP measures, see "Additional Information” section of the Annual Accounts, page 345.
3 ING changed its accounting policy for the netting of cash pooling arrangements in 2Q 2016. In accordance with IFRS, the comparable amounts were adjusted.
4 Customer lending is defined as: loans & advances to customers -/- securities at amortised costs -/- provision for loan losses.
5 The comparable cash pool balances in Customer lending and Customer deposits are still presented on a net basis in order to provide consistent information.
6 Based on the share price at year-end and the earnings per ordinary share for the financial year.
7 Sustainable transitions financed describes the business that we do with clients who are environmental outperformers in their sectors as well as projects that provide sustainable solutions. For a more detailed definition see the Glossary on page 445.

 

Credit Ratings
  S&P Moody's Fitch GBB-Rating
ING Groep N.V.  
Long-term A- Baa1 A+  
Short-term A-2 NA F1  
Outlook Stable Stable Stable  
Latest credit opinion 26/07/2017 11/04/2017 24/02/2017  
 
ING Bank N.V.  
Long-term A+ A1 A+ A+
Short-term A-1 P-1 F1 NA
Outlook Stable Positive Stable Stable
Latest credit opinion 26/07/2017 11/04/2017 24/02/2017 14/07/2017

Note: The ratings listed above are provided for information purposes only, and are solely the opinions of the agencies issuing such ratings. By providing these ratings, ING does not imply its endorsement of or concurrence with such ratings. Ratings may be changed, superseded or withdrawn by the agencies at any time, but ING undertakes no obligation to update this list.

The ratings set out in the reports do not constitute recommendations to buy, sell, or hold any security, and are not intended as an offer or invitation with respect to the purchase or sale of securities. No warranty or representation, express or implied, is given as to the accuracy or completeness of that information. In no event will ING, nor any of its directors, employees or advisors accept any liability with regard to the ratings or the information contained in the reports. ING reserves the right to terminate any link or linking program at any time.

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