2021 Annual Report

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Looking back on 2021, it was another year in which Covid-19 dominated the headlines. Yet there were signs of recovery and ING continued to perform well and create value for our stakeholders. In particular we focused on data-driven digitalisation to create a differentiating customer experience, on being financially healthy, a safe, secure and compliant bank, and on sustainability, which is at the heart of what we do.

Key Figures

Net result
€4,776 mln
Return on equity
9.2 %
CET1 ratio
15.9 %
Result before tax
€6,782 mln
Cost/ Income ratio
60.5 %
NPS Retail Banking
in 5 out of
11 markets
Climate finance
€19.5 bln
Social impact finance
€0.7 bln
Sustainable investment services
€19.2 bln
Feeling of financial empowerment
27.5 mln customers

How we create value

As a bank we have a role to support and promote economic, social and environmental progress, leading to a better quality of life for people in society, while generating adequate returns for shareholders. How we create value is illustrated in our value creation model.

Value creation model
Value Creation Model

Printed copy

Only Form 20-F can be requested in print format. All other publications are digital and can be downloaded above.

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