Key figures

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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 result²
(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 ratio⁵		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.

Key figures

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