in accordance with IFRS-EU
|Non-financial key figures|
|Net Promoter Score Retail Banking (number of countries with number one ranking, rolling average) 1||7||7||7|
|Total number of Retail Banking primary relationships (in million, year-end) 1||13.3||12.5||11.4|
|Climate Finance (lending outstanding in EUR billion, year-end) 2||18.8||16.5||14.6|
|Social Impact Finance (lending outstanding in EUR billion, year-end) 2||0.7||0.8||0.5|
|Sustainable Investment services (in EUR billion, year-end)||9.3||6.3||4.8|
|Number of customers that felt financially empowered (in million, year-end) 1||25.9||25.0||25.4|
|Underlying Human Capital Return on Investment indicator||2.38||2.51||2.51|
|Retail Banking system availability in the Netherlands and Belgium (in percentage) 1||99.7||99.7||99.7|
|Wholesale Banking system availability (in percentage) 1||99.9||99.9||100|
|(in EUR million)||2019||2018||2017|
|Net result attributable to ING Group's shareholders||4,781||4,703||4,905|
|Underlying net result Banking 3||4,781||5,389||4,957|
|Underlying result before taxation Banking 3||6,834||7,524||7,199|
|of which underlying income 3||18,306||18,088||17,704|
|of which underlying operating expenses 3||10,353||9,907||9,829|
|of which underlying addition to loan loss provision||1,120||656||676|
|in EUR billion, year-end||2019||2018||2017|
|Total assets ING Groep N.V.||892||887||846|
|Shareholders' equity ING Groep N.V.||53.8||50.9||50.4|
|Customer lending ING Groep N.V. 4||616||597||574|
|Customer deposits ING Groep N.V.||574||556||540|
|Risk-weighted assets (EUR billion, year-end)||326||314||310|
|Our financial goals|
|◎ Financial ambitions||2019||2018||2017|
|Common equity Tier 1 ratio fully loaded ING Group||◎ ~13.5% (Basel IV)||14.6%||14.5%||14.7%|
|Leverage ratio ING Group 1, 5||◎ >4%||4.6%||4.4%||4.7%|
|Underlying cost/income ratio 3||◎ 50-52%||56.6%||54.8%||55.5%|
|Underlying return on equity ING Group 3||◎ 10-12%||9.4%||11.2%||10.2%|
|Dividend per share (in euros)||◎ Progressive dividend||0.69||0.68||0.67|
|Net result per share (in euros)||1.23||1.21||1.26|
|Shareholders' equity per share (end of period in euros)||13.80||13.09||12.97|
|Dividend per share (in euros)||0.69||0.68||0.67|
|Price/book ratio (end of period)||0.77||0.72||1.18|
| 1 Subject to reasonable assurance by KPMG. Throughout the report indicated with a Ⓐ. See ‘Independent auditor’s assurance report’.
2 For a description of ING’s Climate Finance and Social Impact Finance, please visit www.ing.com/19ar0723
3 Underlying figures are non-GAAP measures. These are derived from figures according to IFRS-EU by excluding the impact from special items and Insurance Other. See page 418 of the Annual Report for a reconciliation between GAAP and non-GAAP figures.
4 Customer lending is defined as: loans & advances to customers -/- provision for loan losses.
5 The leverage ratio of ING Group according to the Delegated Act (including grandfathered securities) takes into account the impact of grossing up the notional cash pool activities.
|ING Groep N.V.|
|Outlook||Negative||Stable||Rating Watch Negative|
|Latest credit opinion||10/07/2020||27/03/2019||17/06/2020|
|ING Bank N.V.|
|Outlook||Stable||Stable||Rating Watch Negative||Stable|
|Latest credit opinion||10/07/2020||27/09/2019||25/10/2019||11/07/2019|
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