Key figures

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Key figures

in accordance with IFRS-EU

Non-financial key figures
  2018 2017 2016
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, 2 12.5 11.4 10.4
Climate Finance (lending outstanding in EUR billion, year-end) 3 16.5 14.6 -
Social Impact Finance (lending outstanding in EUR billion, year-end) 3 0.8 0.5 -
Sustainable assets under management (in EUR billion, year-end) 6.3 4.8 3.3
Number of customers that felt financially empowered (in million, year-end) 1 25.0 25.4 23.9
Underlying Human Capital Return on Investment indicator 2.51 2.51 2.59
Retail Banking system availability in the Netherlands and Belgium (in percentage) 1, 4, 8 99.7 99.7 -
Wholesale Banking system availability (in percentage)1, 4 99.9 100 -
Consolidated result 5
(in EUR million) 2018 2017 2016
Net result attributable to ING Group's shareholders 4,703 4,905 4,651
Underlying net result Banking 5,389 4,957 4,076
Underlying result before taxation Banking 7,524 7,199 7,028
of which underlying income 18,088 17,704 17,458
of which underlying operating expenses 9,907 9,829 9,456
of which underlying addition to loan loss provision 656 676 974
Balance sheet
in EUR billion, year-end 2018 2017 2016
Total assets ING Groep N.V. 887 846 845
Shareholders' equity ING Groep N.V. 51 50 50
Customer lending ING Groep N.V. 6 597 574 561
Customer deposits ING Groep N.V. 556 540 523
Other indicators
  2018 2017 2016
Effective underlying tax rate (in %) 27.0 30.0 28.1
Risk-weighted assets ING Group (EUR billion, year-end) 314 310 314
Underlying risk costs in bps of average RWA 21 22 31
Our financial goals
  Ambition 2020 2018 2017 2016
Common equity Tier 1 ratio fully loaded ING Group ~13.5% (Basel IV) 14.5% 14.7% 14.2%
Leverage ratio ING Group 7 >4% 4.4% 4.7% 4.8%
Underlying cost/income ratio 50-52% 54.8% 55.5% 54.2%
Underlying return on equity ING Group 10-12% 11.2% 10.2% 10.1%
Dividend per share (in euros) Progressive dividend 0.68 0.67 0.66
Share information
  2018 2017 2016
Net result per share (in euros) 1.21 1.26 1.20
Shareholders' equity per share (end of period in euros) 13.09 12.97 12.84
Dividend per share (in euros) 0.68 0.67 0.66
Price/earnings ratio 7.8 12.1 11.1
Price/book ratio (end of period) 0.72 1.18 1.04
1 Subject to reasonable assurance by KPMG. Throughout the report indicated with a Ⓐ. See ‘Independent auditor’s assurance report’.
A refined definition was applied to customer analytics reported by ING retail markets as of 2016.. In addition, the merger of Record Bank into ING in Belgium was completed in 2Q18; customer numbers were consolidated accordingly as from 2Q18, resulting in an 80k increase in primary customers.
For a description of ING’s Climate Finance and Social Impact Finance, please visit
4 Scope is not comparable to availability reported for 2016.
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. For further explanation of non-GAAP measures, see "Other and additional Information" section of the Annual Report
6 Customer lending is defined as: loans & advances to customers -/- provision for loan losses.
7 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.
The reported system availability for 2018 does not yet include the recent integration of Record Bank in Belgium.


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 17/09/2019 27/03/2019 29/01/2020  
ING Bank N.V.  
Long-term A+ Aa3 AA− A+
Short-term A-1 P-1 F1+ NA
Outlook Stable Stable Stable Stable
Latest credit opinion 17/09/2019 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.

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