Fast facts

Key figures

in accordance with IFRS-EU

Our financial goals
  Ambition 2017 2015 2014 2013
Common Equity Tier 1 ratio fully loaded ING Group >12.5% 12.7% 10.5% n/a
Common Equity Tier 1 ratio fully loaded ING Bank >10% 11.6% 11.4% 10.0%
Leverage ratio ING Bank 1 ~4% 4.5% 4.1% 3.9%
Underlying cost/income ratio ING Bank 50-53% 55.9% 58.7% 56.8%
Underlying return on equity ING Bank 10-13% 10.8% 9.9% 9.0%
Dividend per share (in euros)   0.65 0.12 n/a
 
Consolidated result
(in EUR million)   2015 2014 2013
Income   16,552 15,296 15,305
Operating expenses   9,246 8,979 8,694
Addition to loan loss provision   1,347 1,594 2,288
Underlying result before taxation   5,959 4,724 4,323
Underlying net result Banking   4,219 3,424 3,155
Divestments/special items   309 -819 -124
Net result Banking   4,528 2,606 3,031
Legacy insurance business   -518 -1,355 515
Net result attributable to ING Group's shareholders   4,010 1,251 3,545
 
Balance sheet
(in EUR billion, year-end)   2015 2014 2013
Total assets ING Groep N.V.   842 993 1,081
Shareholders’ equity ING Groep N.V.   48 51 46
Customer lending ING Bank N.V. 2   533 514 499
Customer deposits ING Bank N.V.   509 489 475
 
Other indicators
    2015 2014 2013
Effective underlying tax rate (in %) Banking   28.0 25.8 24.9
Risk-weighted assets ING Bank (EUR billion, year-end)   318 296 283
Underlying risk costs in bps of average RWA   44 55 83
 
Non-financial key figures
    2015 2014 2013
Net Promoter Score Retail Banking (number of countries with number one ranking) 3   7 9 6
Total number of Retail Banking primary relationships (in million) 4   8.9 8.4 5 7.8
Sustainable transitions financed (in EUR billion) 4   23.8 19.5 n/a
Sustainable assets under management (in EUR million) 4   2,573 1,538 886
Total extrapolated CO2 emissions (in kilotonne)   96 102 127
Human Capital Return on Investment indicator   2.48 2.30 2.36
1 The leverage ratio is calculated using the published IFRS-EU balance sheet, in which notional cash pooling activities are netted, plus off balance-sheet commitments. The pro-forma leverage ratio of ING Bank, taking into account the combined impact of grossing up the notional cash pool activities and the alignment with the Delegated Act (which was adopted in January 2015) is 4.1%, an increase of 0.5 percentage point compared with year-end 2014.
2 Customer lending is defined as: loans & advances to customers -/- securities at amortised costs and IABF -/- provision for loan losses.
3 Our Net Promoter Score (NPS) rankings are based on a rolling average of NPS results calculated over the four quarters of 2015.
4 As at 31 December 2015.
5 2014 data has been restated to reflect improvements in data-gathering and measurement in Belgium, the Netherlands, Romania and Luxembourg during 2015, and to ensure accurate historical comparison.

 

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 29/12/2015 03/08/2016 14/04/2016  
 
ING Bank N.V.  
Long-term A A1 A+ A+
Short-term A-1 P-1 F1 NA
Outlook Stable Stable Stable Stable
Latest credit opinion 29/12/2015 03/08/2016 14/04/2016 22/06/2016

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.

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