Key figures

... min read Listen

Key figures

in accordance with IFRS-EU

Non-financial key figures
  2019 2018 2017
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
 
Consolidated result
(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
 
Balance sheet
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
 
Other indicators
  2019 2018 2017
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
 
Share information
  2019 2018 2017
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/earnings ratio 8.7 7.8 12.1
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’.
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.

 

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 Negative Stable Rating Watch Negative  
Latest credit opinion 10/07/2020 27/03/2019 17/06/2020  
 
ING Bank N.V.  
Long-term A+ Aa3 AA− A+
Short-term A-1 P-1 F1+ NA
Outlook Stable Stable Rating Watch Negative Stable
Latest credit opinion 10/07/2020 27/09/2019 25/10/2019 11/07/2019

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.

Back to top