ING Group NV ADR (ING)
Every figure this model derived for ING, the value it took, and the element in the company's own XBRL it was read from — so any of it can be checked against the filing rather than taken on trust. As at 2025-12-31.
The figures, and where each came from
This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.
| Figure | Value | XBRL tag | As at |
|---|---|---|---|
| capex | 351,000,000 | PurchaseOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities |
2025-12-31 |
| cash | 54,148,000,000 | CashAndCashEquivalents |
2025-12-31 |
| equity | 54,083,000,000 | EquityAttributableToOwnersOfParent |
2025-12-31 |
| interest expense | 36,371,000,000 | InterestExpense |
2025-12-31 |
| ocf | -6,380,000,000 | CashFlowsFromUsedInOperatingActivities |
2025-12-31 |
| revenue | 51,327,000,000 | RevenueFromInterest |
2025-12-31 |
| sbc | 52,000,000 | ExpenseFromSharebasedPaymentTransactionsWithEmployees |
2025-12-31 |
The ratios
The figures themselves rather than their scores — what somebody looking up ING on one particular measure came for.
| Ratio | Value |
|---|---|
| cash operating margin | 51.43 |
| dilution pct | -7.41 |
| ebit cagr | 6.32 |
| ebit yoy | 21.77 |
| ev ebit | 1.35 |
| ev owner earnings | -5.12 |
| ev sales | 0.68 |
| fcf margin | -13.11 |
| growth cv | 1.57 |
| interest cover | 0.71 |
| operating margin | 50.03 |
| owner earnings margin | -13.22 |
| revenue growth | -13.24 |
| revenue growth per share | -6.3 |
| roic | 2059.45 |
| rule of 40 | 36.79 |
| sbc pct revenue | 0.1 |
Everything else this filing tags
400 more elements from ING's own XBRL that this model has no measure for, newest reading each, largest first. Nothing here is converted, added up or renamed — it is the filing's own element names and the filing's own numbers.
| Element | Newest | As of | Periods | Unit |
|---|---|---|---|---|
Assets | 1,060,329,000,000 | 2025-12-31 | 41 | EUR |
EquityAndLiabilities | 1,060,329,000,000 | 2025-12-31 | 32 | EUR |
Liabilities | 1,004,990,000,000 | 2025-12-31 | 32 | EUR |
MaximumExposureToCreditRisk | 1,002,947,000,000 | 2025-12-31 | 16 | EUR |
FinancialLiabilitiesAtAmortisedCost | 990,803,000,000 | 2025-12-31 | 18 | EUR |
FinancialAssets | 967,655,000,000 | 2022-12-31 | 16 | EUR |
FinancialLiabilities | 924,875,000,000 | 2020-06-30 | 12 | EUR |
FinancialAssetsCarryingAmountImmediatelyBeforeInitialApplicationOfIFRS9 | 843,878,000,000 | 2018-12-31 | 2 | EUR |
FinancialAssetsCarryingAmountImmediatelyAfterInitialApplicationOfIFRS9 | 842,794,000,000 | 2018-12-31 | 2 | EUR |
FinancialLiabilitiesCarryingAmountImmediatelyBeforeInitialApplicationOfIFRS9 | 794,734,000,000 | 2018-12-31 | 2 | EUR |
FinancialLiabilitiesCarryingAmountImmediatelyAfterInitialApplicationOfIFRS9 | 794,657,000,000 | 2018-12-31 | 2 | EUR |
LoansAndAdvancesToCustomers | 727,733,000,000 | 2025-12-31 | 32 | EUR |
DepositsFromCustomers | 721,373,000,000 | 2025-12-31 | 32 | EUR |
GrossFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements | 404,375,000,000 | 2025-12-31 | 18 | EUR |
GrossFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements | 390,577,000,000 | 2025-12-31 | 18 | EUR |
GrossFinancialAssetsSetOffAgainstFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements | 318,057,000,000 | 2025-12-31 | 18 | EUR |
GrossFinancialLiabilitiesSetOffAgainstFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements | 318,057,000,000 | 2025-12-31 | 18 | EUR |
PurchaseOfFinancialAssetsMeasuredAtAmortisedCostClassifiedAsInvestingActivities | 152,945,000,000 | 2025-12-31 | 8 | EUR |
DebtSecurities | 151,231,000,000 | 2025-12-31 | 34 | EUR |
ProceedsFromIssueOfBondsNotesAndDebentures | 150,409,000,000 | 2025-12-31 | 41 | EUR |
FinancialAssetsAtFairValue | 150,103,000,000 | 2020-06-30 | 12 | EUR |
ProceedsFromSalesOrMaturityOfFinancialAssetsMeasuredAtAmortisedCostClassifiedAsInvestingActivities | 147,953,000,000 | 2025-12-31 | 8 | EUR |
LiabilitiesArisingFromFinancingActivities | 141,233,000,000 | 2023-12-31 | 20 | EUR |
RepaymentsOfBondsNotesAndDebentures | 135,220,000,000 | 2025-12-31 | 41 | EUR |
FinancialAssetsAtFairValueThroughProfitOrLoss | 133,157,000,000 | 2025-12-31 | 32 | EUR |
IncreaseDecreaseThroughFinancingCashFlowsLiabilitiesArisingFromFinancingActivities | 118,661,000,000 | 2023-12-31 | 13 | EUR |
NominalAmountOfHedgingInstrument | 110,189,000,000 | 2024-12-31 | 2 | pure |
FinancialAssetsPledgedAsCollateralForLiabilitiesOrContingentLiabilities | 100,392,000,000 | 2025-12-31 | 8 | EUR |
FinancialLiabilitiesAtFairValue | 90,641,000,000 | 2020-06-30 | 12 | EUR |
NoncurrentFinancialLiabilities | 90,000,000,000 | 2022-12-31 | 7 | EUR |
NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition | 86,318,000,000 | 2025-12-31 | 18 | EUR |
FinancialLiabilitiesAtFairValueThroughProfitOrLoss | 80,532,000,000 | 2025-12-31 | 32 | EUR |
NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreementsInStatementOfFinancialPosition | 72,520,000,000 | 2025-12-31 | 18 | EUR |
FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue | 72,322,000,000 | 2025-12-31 | 28 | EUR |
FinancialAssetsAvailableforsale | 69,730,000,000 | 2017-12-31 | 4 | EUR |
CashCollateralReceivedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets | 66,487,000,000 | 2025-12-31 | 18 | EUR |
AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToCustomers | -58,368,000,000 | 2025-12-31 | 41 | EUR |
FinancialAssetsAtFairValueThroughOtherComprehensiveIncome | 56,662,000,000 | 2025-12-31 | 28 | EUR |
FinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition | 55,768,000,000 | 2025-12-31 | 33 | EUR |
FinancialAssetsAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading | 55,730,000,000 | 2025-12-31 | 32 | EUR |
Equity | 55,339,000,000 | 2025-12-31 | 65 | EUR |
ProceedsFromBorrowingsClassifiedAsFinancingActivities | 55,000,000,000 | 2020-06-30 | 4 | EUR |
FinancialAssetsAtAmortisedCost | 53,867,000,000 | 2025-12-31 | 29 | EUR |
CashAndBankBalancesAtCentralBanks | 52,889,000,000 | 2025-12-31 | 48 | EUR |
InterestReceivedClassifiedAsOperatingActivities | 51,600,000,000 | 2025-12-31 | 41 | EUR |
MandatoryReserveDepositsAtCentralBanks | 51,133,000,000 | 2025-12-31 | 18 | EUR |
EstimatedFinancialEffectOfContingentLiabilities | 44,472,000,000 | 2025-12-31 | 16 | EUR |
InterestRevenueCalculatedUsingEffectiveInterestMethod | 43,760,000,000 | 2025-12-31 | 34 | EUR |
PurchaseOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeClassifiedAsInvestingActivities | 43,294,000,000 | 2025-12-31 | 8 | EUR |
IncreaseDecreaseInExposureToCreditRiskOnLoanCommitmentsAndFinancialGuaranteeContracts | 41,100,000,000 | 2025-12-31 | 4 | EUR |
RetainedEarnings | 40,016,000,000 | 2025-12-31 | 41 | EUR |
CashCollateralPledgedSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities | 39,929,000,000 | 2025-12-31 | 18 | EUR |
InterestPaidClassifiedAsOperatingActivities | 37,666,000,000 | 2025-12-31 | 41 | EUR |
AdjustmentsForIncreaseDecreaseInDepositsFromCustomers | 36,212,000,000 | 2025-12-31 | 41 | EUR |
IncreaseDecreaseInFinancialAssetsOnBasisOfMeasurementCategoryFirstApplicationOfIFRS9 | -34,988,000,000 | 2018-06-30 | 2 | EUR |
ProceedsFromSalesOrMaturityOfFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeClassifiedAsInvestingActivities | 33,095,000,000 | 2025-12-31 | 8 | EUR |
InterestIncomeOnLoansAndAdvancesToCustomers | 32,002,000,000 | 2023-12-31 | 3 | EUR |
ProfitLossFromOperatingActivities | 25,678,000,000 | 2025-12-31 | 26 | EUR |
Revenue | 25,678,000,000 | 2025-12-31 | 33 | EUR |
AdditionsOtherThanThroughBusinessCombinationsInvestmentProperty | 25,210,000,000 | 2017-12-31 | 2 | EUR |
FinancialLiabilitiesAtFairValueThroughProfitOrLossClassifiedAsHeldForTrading | 23,427,000,000 | 2025-12-31 | 32 | EUR |
NetFinancialLiabilitiesSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements | 21,729,000,000 | 2025-12-31 | 18 | EUR |
PurchaseOfAvailableforsaleFinancialAssets | 21,601,000,000 | 2017-12-31 | 7 | EUR |
LoansAndAdvancesToBanks | 21,204,000,000 | 2025-12-31 | 38 | EUR |
AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValue | -18,984,000,000 | 2025-12-31 | 8 | EUR |
InterestExpenseOnFinancialLiabilitiesHeldForTrading | 18,765,000,000 | 2022-12-31 | 18 | EUR |
InterestIncomeOnFinancialAssetsHeldForTrading | 18,593,000,000 | 2022-12-31 | 18 | EUR |
DepositsFromBanks | 18,517,000,000 | 2025-12-31 | 38 | EUR |
SubordinatedLiabilities | 18,100,000,000 | 2025-12-31 | 40 | EUR |
Borrowings | 17,500,000,000 | 2021-06-30 | 3 | EUR |
InterestIncomeOnLoansAndReceivables | 17,212,000,000 | 2024-06-30 | 8 | EUR |
AdjustmentsForDecreaseIncreaseInFinancialAssetsHeldForTrading | 17,211,000,000 | 2025-12-31 | 28 | EUR |
SharePremium | 17,116,000,000 | 2025-12-31 | 49 | EUR |
CashFlowsFromUsedInInvestingActivities | -15,697,000,000 | 2025-12-31 | 41 | EUR |
InterestRevenueExpense | 14,957,000,000 | 2025-12-31 | 38 | EUR |
ExpenseByNature | 13,887,000,000 | 2025-12-31 | 36 | EUR |
IncreaseDecreaseInCashAndCashEquivalentsBeforeEffectOfExchangeRateChanges | -13,832,000,000 | 2025-12-31 | 41 | EUR |
FinanceLeaseReceivables | 13,677,000,000 | 2025-12-31 | 18 | EUR |
NetInvestmentInFinanceLease | 12,554,000,000 | 2025-12-31 | 18 | EUR |
OtherLiabilities | 11,989,000,000 | 2025-12-31 | 32 | EUR |
AdjustmentsForIncreaseDecreaseInTradeAndOtherPayables | 11,975,000,000 | 2022-12-31 | 20 | EUR |
AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesHeldForTrading | -11,829,000,000 | 2025-12-31 | 10 | EUR |
ProfitLossBeforeTax | 11,791,000,000 | 2025-12-31 | 41 | EUR |
FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialAssets | 10,864,000,000 | 2025-12-31 | 18 | EUR |
FinancialInstrumentsSubjectToEnforceableMasterNettingArrangementOrSimilarAgreementNotSetOffAgainstFinancialLiabilities | 10,862,000,000 | 2025-12-31 | 18 | EUR |
InterestExpenseOnDepositsFromCustomers | 10,385,000,000 | 2023-12-31 | 29 | EUR |
AdjustmentsForIncreaseDecreaseInFinancialLiabilitiesMeasuredAtFairValueThroughProfitOrLoss | 10,043,000,000 | 2025-12-31 | 8 | EUR |
DifferenceBetweenCarryingAmountOfFinancialLiabilityAndAmountContractuallyRequiredToPayAtMaturityToHolderOfObligation | 9,574,000,000 | 2025-12-31 | 18 | EUR |
HeldtomaturityInvestments | 9,343,000,000 | 2017-12-31 | 4 | EUR |
NumberOfSharesAuthorised | 9,142,000,000 | 2025-12-31 | 27 | shares |
NetFinancialAssetsSubjectToOffsettingEnforceableMasterNettingArrangementsOrSimilarAgreements | 8,967,000,000 | 2025-12-31 | 18 | EUR |
ComprehensiveIncome | 8,628,000,000 | 2025-12-31 | 41 | EUR |
ProfitLoss | 8,599,000,000 | 2025-12-31 | 20 | EUR |
AccountingProfit | 8,385,000,000 | 2021-12-31 | 15 | EUR |
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects | 8,324,000,000 | 2025-12-31 | 41 | EUR |
ProfitLossAttributableToOwnersOfParent | 8,324,000,000 | 2025-12-31 | 41 | EUR |
ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntity | 8,324,000,000 | 2025-12-31 | 36 | EUR |
ProfitLossFromContinuingOperationsAttributableToOrdinaryEquityHoldersOfParentEntityIncludingDilutiveEffects | 8,324,000,000 | 2025-12-31 | 39 | EUR |
CashFlowsFromUsedInFinancingActivities | 8,245,000,000 | 2025-12-31 | 41 | EUR |
ComprehensiveIncomeAttributableToOwnersOfParent | 8,173,000,000 | 2025-12-31 | 41 | EUR |
OtherAssets | 7,975,000,000 | 2025-12-31 | 32 | EUR |
ProfitLossAttributableToOrdinaryEquityHoldersOfParentEntity | 7,825,000,000 | 2022-06-30 | 20 | EUR |
InterestIncomeOnDebtInstrumentsHeld | 7,634,000,000 | 2022-06-30 | 20 | EUR |
EmployeeBenefitsExpense | 7,600,000,000 | 2025-12-31 | 41 | EUR |
InterestIncomeOnOtherFinancialAssets | 7,568,000,000 | 2025-12-31 | 36 | EUR |
RevenueDiscontinuedOperations | 6,824,000,000 | 2015-12-31 | 1 | EUR |
InterestExpenseOnOtherFinancialLiabilities | 6,653,000,000 | 2025-12-31 | 37 | EUR |
FeeAndCommissionIncome | 6,297,000,000 | 2025-12-31 | 40 | EUR |
AllowanceAccountForCreditLossesOfFinancialAssets | 6,101,000,000 | 2022-12-31 | 18 | EUR |
GainsLossesOnHedgingInstrument | -5,928,000,000 | 2022-12-31 | 16 | EUR |
ExpensesDiscontinuedOperations | 5,879,000,000 | 2015-12-31 | 1 | EUR |
TradingIncomeExpense | 5,789,000,000 | 2025-12-31 | 41 | EUR |
ProfitLossFromContinuingOperations | 5,592,000,000 | 2024-12-31 | 36 | EUR |
GainsLossesOnHedgedItemAttributableToHedgedRisk | 5,563,000,000 | 2022-12-31 | 22 | EUR |
InterestIncomeOnFinancialAssetsDesignatedAtFairValueThroughProfitOrLoss | 5,401,000,000 | 2025-12-31 | 33 | EUR |
WagesAndSalaries | 5,277,000,000 | 2025-12-31 | 31 | EUR |
InterestExpenseOnDebtInstrumentsIssued | 5,105,000,000 | 2025-12-31 | 39 | EUR |
OtherExpenseByNature | 4,984,000,000 | 2025-12-31 | 41 | EUR |
NoncurrentAssets | 4,962,000,000 | 2019-12-31 | 6 | EUR |
FeeAndCommissionIncomeExpense | 4,602,000,000 | 2025-12-31 | 41 | EUR |
InterestExpenseOnFinancialLiabilitiesDesignatedAtFairValueThroughProfitOrLoss | 4,419,000,000 | 2025-12-31 | 33 | EUR |
ItemsInCourseOfTransmissionToOtherBanks | 4,188,000,000 | 2025-12-31 | 14 | EUR |
ItemsInCourseOfCollectionFromOtherBanks | 4,076,000,000 | 2025-12-31 | 14 | EUR |
DividendsPaid | 3,886,000,000 | 2025-12-31 | 40 | EUR |
ProceedsFromIssueOfSubordinatedLiabilities | 3,734,000,000 | 2025-12-31 | 44 | EUR |
PaymentsToAcquireOrRedeemEntitysShares | 3,705,000,000 | 2025-12-31 | 3 | EUR |
PurchaseOfFinancialInstrumentsClassifiedAsInvestingActivities | 3,609,000,000 | 2017-12-31 | 6 | EUR |
AdjustmentsForDecreaseIncreaseInLoansAndAdvancesToBanks | 3,546,000,000 | 2025-12-31 | 41 | EUR |
FinancialAssetsAtFairValueThroughProfitOrLossDesignatedAsUponInitialRecognition | 3,448,000,000 | 2025-12-31 | 32 | EUR |
ReserveOfGainsAndLossesOnRemeasuringAvailableforsaleFinancialAssets | 3,447,000,000 | 2017-12-31 | 7 | EUR |
FinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome | 3,228,000,000 | 2018-12-31 | 3 | EUR |
IncomeTaxExpenseContinuingOperations | 3,192,000,000 | 2025-12-31 | 41 | EUR |
DividendsRecognisedAsDistributionsToOwnersOfParent | 3,164,000,000 | 2025-12-31 | 34 | EUR |
IncreaseDecreaseThroughChangesInFairValuesLiabilitiesArisingFromFinancingActivities | 3,153,000,000 | 2023-12-31 | 13 | EUR |
OtherReserves | -3,080,000,000 | 2025-12-31 | 41 | EUR |
TradingIncomeExpenseOnDerivativeFinancialInstruments | -3,053,000,000 | 2025-12-31 | 33 | EUR |
NumberOfSharesIssued | 3,021,543,000 | 2025-12-31 | 27 | shares |
NumberOfSharesOutstanding | 3,021,543,000 | 2025-12-31 | 36 | shares |
ReverseRepurchaseAgreementsAndCashCollateralOnSecuritiesBorrowed | 3,012,000,000 | 2020-06-30 | 12 | EUR |
AdjustedWeightedAverageShares | 2,989,700,000 | 2025-12-31 | 41 | shares |
WeightedAverageShares | 2,989,700,000 | 2025-12-31 | 41 | shares |
TaxExpenseIncomeAtApplicableTaxRate | 2,949,000,000 | 2025-12-31 | 27 | EUR |
DividendsPaidClassifiedAsFinancingActivities | 2,843,000,000 | 2025-06-30 | 38 | EUR |
RepaymentsOfSubordinatedLiabilities | 2,808,000,000 | 2025-12-31 | 42 | EUR |
ReserveOfExchangeDifferencesOnTranslation | -2,774,000,000 | 2025-12-31 | 41 | EUR |
BalancesOnDemandDepositsFromCustomers | 2,700,000,000 | 2020-06-30 | 5 | EUR |
CreditDerivativeFairValue | 2,664,000,000 | 2018-12-31 | 6 | EUR |
CashFlowsFromUsedInInvestingActivitiesDiscontinuedOperations | 2,619,000,000 | 2015-12-31 | 1 | EUR |
FairValueOfInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncome | 2,607,000,000 | 2025-12-31 | 27 | EUR |
PlanAssetsAtFairValue | 2,497,000,000 | 2025-12-31 | 14 | EUR |
PropertyPlantAndEquipmentIncludingRightofuseAssets | 2,478,000,000 | 2025-12-31 | 13 | EUR |
CurrentTaxExpenseIncome | 2,453,000,000 | 2025-12-31 | 27 | EUR |
PropertyPlantAndEquipment | 2,446,000,000 | 2022-12-31 | 24 | EUR |
TreasuryShares | 2,404,000,000 | 2025-12-31 | 52 | EUR |
IncomeTaxesPaidClassifiedAsOperatingActivities | 2,366,000,000 | 2025-12-31 | 41 | EUR |
IncomeTaxesPaidRefund | 2,366,000,000 | 2025-12-31 | 18 | EUR |
ReserveOfGainsAndLossesFromInvestmentsInEquityInstruments | 2,263,000,000 | 2018-06-30 | 1 | EUR |
LiabilitiesIncludedInDisposalGroupsClassifiedAsHeldForSale | 2,243,000,000 | 2021-06-30 | 1 | EUR |
TradingIncomeExpenseOnForeignExchangeContracts | 2,175,000,000 | 2025-12-31 | 33 | EUR |
DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners | 2,125,000,000 | 2025-12-31 | 8 | EUR |
IncomeTaxExpenseBenefit | 2,116,000,000 | 2018-12-31 | 3 | EUR |
DefinedBenefitObligationAtPresentValue | 2,110,000,000 | 2025-12-31 | 14 | EUR |
TradeAndOtherPayablesToTradeSuppliers | 2,021,000,000 | 2025-12-31 | 14 | EUR |
AssetsTransferredToStructuredEntitiesAtTimeOfTransfer | 2,000,000,000 | 2013-12-31 | 9 | EUR |
ShorttermDepositsClassifiedAsCashEquivalents | 1,952,000,000 | 2021-12-31 | 10 | EUR |
IntangibleAssetsOtherThanGoodwill | 1,916,000,000 | 2019-12-31 | 6 | EUR |
RevaluationSurplus | 1,914,000,000 | 2018-12-31 | 2 | EUR |
DeferredTaxLiabilities | 1,896,000,000 | 2025-12-31 | 32 | EUR |
AdjustmentsForDecreaseIncreaseInTradeAndOtherReceivables | -1,869,000,000 | 2023-12-31 | 31 | EUR |
InterestRevenueForFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome | 1,790,000,000 | 2025-12-31 | 33 | EUR |
BalancesOnOtherDepositsFromCustomers | 1,768,000,000 | 2025-12-31 | 22 | EUR |
BankBalancesAtCentralBanksOtherThanMandatoryReserveDeposits | 1,756,000,000 | 2025-12-31 | 16 | EUR |
DividendsPayable | 1,754,000,000 | 2019-12-31 | 3 | EUR |
FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesAmortisedCostBeforeModification | 1,746,000,000 | 2025-12-31 | 15 | EUR |
IncreaseDecreaseInCashAndCashEquivalentsDiscontinuedOperations | 1,736,000,000 | 2015-12-31 | 1 | EUR |
IncomeFromContinuingOperationsAttributableToOwnersOfParent | 1,707,000,000 | 2019-06-30 | 10 | EUR |
FeeAndCommissionExpense | 1,696,000,000 | 2025-12-31 | 40 | EUR |
FinancialAssetsAtFairValueThroughProfitOrLossMandatorilyMeasuredAtFairValueOtherThanThoseClassifiedAsHeldForTrading | 1,657,000,000 | 2025-12-31 | 6 | EUR |
InvestmentAccountedForUsingEquityMethod | 1,607,000,000 | 2025-12-31 | 32 | EUR |
InvestmentsInSubsidiariesJointVenturesAndAssociates | 1,607,000,000 | 2025-12-31 | 28 | EUR |
InterestExpenseOnDepositsFromBanks | 1,555,000,000 | 2023-12-31 | 29 | EUR |
ReserveOfChangeInValueOfForeignCurrencyBasisSpreads | 1,549,000,000 | 2022-06-30 | 3 | EUR |
IntangibleAssetsAndGoodwill | 1,510,000,000 | 2025-12-31 | 43 | EUR |
AdjustmentsForIncreaseDecreaseInInsuranceReinsuranceAndInvestmentContractLiabilities | -1,499,000,000 | 2015-12-31 | 1 | EUR |
CashFlowsFromUsedInOperatingActivitiesDiscontinuedOperations | -1,409,000,000 | 2015-12-31 | 1 | EUR |
MinimumLeasePaymentsPayableUnderNoncancellableOperatingLease | 1,378,000,000 | 2019-01-01 | 1 | EUR |
InterestIncomeOnAvailableforsaleFinancialAssets | 1,340,000,000 | 2017-12-31 | 3 | EUR |
InterestIncomeForFinancialAssetsMeasuredAtAmortisedCost | 1,333,000,000 | 2025-12-31 | 33 | EUR |
AdjustmentsForProvisions | 1,304,000,000 | 2025-12-31 | 39 | EUR |
IncreaseDecreaseThroughEffectOfChangesInForeignExchangeRatesLiabilitiesArisingFromFinancingActivities | -1,296,000,000 | 2023-12-31 | 13 | EUR |
RightofuseAssets | 1,279,000,000 | 2019-01-01 | 3 | EUR |
NoncontrollingInterests | 1,255,000,000 | 2025-12-31 | 41 | EUR |
AdjustmentsForDecreaseIncreaseInFinancialAssetsAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently | 1,221,000,000 | 2025-12-31 | 8 | EUR |
AdjustmentsForIncreaseDecreaseInOtherLiabilities | 1,143,000,000 | 2025-12-31 | 36 | EUR |
UndiscountedFinanceLeasePaymentsToBeReceived | 1,122,000,000 | 2025-12-31 | 14 | EUR |
DeferredTaxLiabilityAsset | 1,108,000,000 | 2025-12-31 | 27 | EUR |
ReserveOfCashFlowHedges | -1,096,000,000 | 2025-12-31 | 41 | EUR |
AdjustmentsForIncreaseDecreaseInDepositsFromBanks | 1,093,000,000 | 2025-12-31 | 33 | EUR |
EffectOfExchangeRateChangesOnCashAndCashEquivalents | -1,089,000,000 | 2025-12-31 | 41 | EUR |
GainsLossesOnExchangeDifferencesOnTranslationNetOfTax | 1,075,000,000 | 2017-12-31 | 2 | EUR |
AdjustmentsForFairValueGainsLosses | 1,070,000,000 | 2025-12-31 | 23 | EUR |
LeaseLiabilities | 1,050,000,000 | 2025-12-31 | 16 | EUR |
DividendsPaidOrdinaryShares | 1,039,000,000 | 2025-08-31 | 55 | EUR |
FinancialAssetsWithModifiedContractualCashFlowsWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesForWhichLossAllowanceChangedDuringReportingPeriodTo12monthExpectedCreditLossesGrossCarryingAmount | 1,027,000,000 | 2025-12-31 | 15 | EUR |
CurrentAccruedIncome | 1,017,000,000 | 2018-06-30 | 2 | EUR |
IssueOfConvertibleInstruments | 1,014,000,000 | 2025-12-31 | 14 | USD |
ProfitLossBeforeTaxDiscontinuedOperations | 945,000,000 | 2015-12-31 | 1 | EUR |
OtherProvisions | 941,000,000 | 2025-12-31 | 21 | EUR |
Provisions | 941,000,000 | 2025-12-31 | 32 | EUR |
AdjustmentsForDecreaseIncreaseInOtherAssets | -914,000,000 | 2025-12-31 | 33 | EUR |
CurrentPayablesOnSocialSecurityAndTaxesOtherThanIncomeTax | 837,000,000 | 2025-12-31 | 20 | EUR |
Prepayments | 829,000,000 | 2025-12-31 | 6 | EUR |
PortfolioAndOtherManagementFeeIncome | 796,000,000 | 2025-12-31 | 39 | EUR |
DeferredTaxAssets | 788,000,000 | 2025-12-31 | 32 | EUR |
LossesOnLitigationSettlements | 775,000,000 | 2018-12-31 | 2 | EUR |
OtherComprehensiveIncomeNetOfTaxExchangeDifferencesOnTranslation | -774,000,000 | 2025-12-31 | 41 | EUR |
OtherComprehensiveIncomeNetOfTaxCashFlowHedges | 763,000,000 | 2025-12-31 | 41 | EUR |
SocialSecurityContributions | 752,000,000 | 2025-12-31 | 31 | EUR |
IssueOfConvertibleInstruments | 750,000,000 | 2020-12-31 | 6 | EUR |
ProceedsFromOtherLongtermAssetsClassifiedAsInvestingActivities | 744,000,000 | 2019-12-31 | 3 | EUR |
DeferredTaxExpenseIncomeRecognisedInProfitOrLoss | 739,000,000 | 2025-12-31 | 27 | EUR |
AdjustmentsForUnrealisedForeignExchangeLossesGains | -703,000,000 | 2025-12-31 | 10 | EUR |
OtherShorttermProvisions | 694,000,000 | 2025-12-31 | 15 | EUR |
UnearnedFinanceIncomeOnFinanceLease | 673,000,000 | 2018-12-31 | 4 | EUR |
AdjustmentsForDepreciationAndAmortisationExpense | 665,000,000 | 2025-12-31 | 39 | EUR |
UnusedTaxLossesForWhichNoDeferredTaxAssetRecognised | 640,000,000 | 2025-12-31 | 18 | EUR |
PropertyPlantAndEquipmentCarryingAmountAtCostOfRevaluedAssets | 599,000,000 | 2025-12-31 | 8 | EUR |
IncreaseDecreaseInFinancialAssets | -560,000,000 | 2018-12-31 | 1 | EUR |
RecognisedAssetsDefinedBenefitPlan | 528,000,000 | 2025-12-31 | 20 | EUR |
CashFlowsFromUsedInFinancingActivitiesDiscontinuedOperations | 526,000,000 | 2015-12-31 | 1 | EUR |
AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipment | 525,000,000 | 2023-12-31 | 6 | EUR |
FinanceIncomeOnNetInvestmentInFinanceLease | 513,000,000 | 2025-12-31 | 4 | EUR |
AdditionsOtherThanThroughBusinessCombinationsPropertyPlantAndEquipmentIncludingRightofuseAssets | 510,000,000 | 2025-12-31 | 4 | EUR |
TaxEffectOfExpenseNotDeductibleInDeterminingTaxableProfitTaxLoss | 476,000,000 | 2025-12-31 | 27 | EUR |
DepreciationExpense | 461,000,000 | 2023-12-31 | 6 | EUR |
PostemploymentBenefitExpenseDefinedContributionPlans | 460,000,000 | 2025-12-31 | 15 | EUR |
CurrentTaxAssets | 458,000,000 | 2025-12-31 | 32 | EUR |
AdditionalProvisionsOtherProvisions | 457,000,000 | 2025-12-31 | 12 | EUR |
DepreciationPropertyPlantAndEquipment | 457,000,000 | 2024-12-31 | 34 | EUR |
GainsLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax | 457,000,000 | 2025-12-31 | 32 | EUR |
ComprehensiveIncomeAttributableToNoncontrollingInterests | 456,000,000 | 2025-12-31 | 40 | EUR |
DepreciationPropertyPlantAndEquipmentIncludingRightofuseAssets | 442,000,000 | 2025-12-31 | 4 | EUR |
AdvertisingExpense | 441,000,000 | 2024-12-31 | 31 | EUR |
DividendPayables | 423,000,000 | 2024-12-31 | 2 | EUR |
PurchaseOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod | 421,000,000 | 2025-12-31 | 8 | EUR |
CurrentTaxLiabilities | 411,000,000 | 2025-12-31 | 32 | EUR |
SurplusDeficitInPlan | 387,000,000 | 2025-12-31 | 18 | EUR |
BrokerageFeeIncome | 374,000,000 | 2021-06-30 | 20 | EUR |
ProceedsFromSaleOrIssueOfTreasuryShares | -365,000,000 | 2022-06-30 | 25 | EUR |
OtherComprehensiveIncomeNetOfTaxGainsLossesFromInvestmentsInEquityInstruments | -364,000,000 | 2025-12-31 | 35 | EUR |
ReserveOfRemeasurementsOfDefinedBenefitPlans | -345,000,000 | 2025-12-31 | 41 | EUR |
IncreaseDecreaseInDeferredTaxLiabilityAsset | 328,000,000 | 2018-12-31 | 1 | EUR |
DividendsReceivedClassifiedAsOperatingActivities | 319,000,000 | 2025-12-31 | 41 | EUR |
OtherEmployeeExpense | 313,000,000 | 2025-12-31 | 31 | EUR |
OtherIncome | -300,000,000 | 2022-06-30 | 25 | EUR |
ProfessionalFeesExpense | 298,000,000 | 2025-12-31 | 36 | EUR |
PaymentsOfLeaseLiabilitiesClassifiedAsFinancingActivities | 282,000,000 | 2025-12-31 | 29 | EUR |
AdministrativeExpense | 277,000,000 | 2024-12-31 | 29 | EUR |
ProfitLossAttributableToNoncontrollingInterests | 275,000,000 | 2025-12-31 | 41 | EUR |
AccumulatedFairValueHedgeAdjustmentRemainingInStatementOfFinancialPositionForHedgedItemThatCeasedToBeAdjustedForHedgingGainsAndLossesAssets | 272,000,000 | 2018-12-31 | 1 | EUR |
CashOutflowForLeases | 271,000,000 | 2019-12-31 | 1 | EUR |
ExpectedFutureMinimumSubleasePaymentsReceivableUnderNoncancellableSubleasesClassifiedAsOperatingLease | 268,000,000 | 2018-12-31 | 6 | EUR |
AdjustmentsForDepreciationExpense | 267,000,000 | 2018-06-30 | 2 | EUR |
OtherFeeAndCommissionIncome | 264,000,000 | 2025-12-31 | 40 | EUR |
OtherTradingIncomeExpense | 263,000,000 | 2025-12-31 | 33 | EUR |
OtherAdjustmentsToReconcileProfitLoss | 260,000,000 | 2023-12-31 | 31 | EUR |
AdditionalAllowanceRecognisedInProfitOrLossAllowanceAccountForCreditLossesOfFinancialAssets | 250,000,000 | 2023-06-30 | 25 | EUR |
GainsLossesOnNetMonetaryPosition | -250,000,000 | 2022-06-30 | 1 | EUR |
ProvisionUsedOtherProvisions | 248,000,000 | 2025-12-31 | 12 | EUR |
ProceedsFromSalesOfInvestmentsAccountedForUsingEquityMethod | 225,000,000 | 2025-12-31 | 33 | EUR |
AmortisationIntangibleAssetsOtherThanGoodwill | 223,000,000 | 2025-12-31 | 39 | EUR |
OtherFeeAndCommissionExpense | 210,000,000 | 2025-12-31 | 39 | EUR |
ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod | 209,000,000 | 2025-12-31 | 40 | EUR |
TaxExpenseOtherThanIncomeTaxExpense | 208,000,000 | 2025-12-31 | 5 | EUR |
GainsLossesRecognisedInProfitOrLossFairValueMeasurementAssets | 202,000,000 | 2020-06-30 | 4 | EUR |
GoodwillRecognisedAsOfAcquisitionDate | 202,000,000 | 2018-06-30 | 1 | EUR |
AdjustmentsForImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLossLoansAndAdvances | 200,000,000 | 2018-06-30 | 2 | EUR |
IncreaseDecreaseInAllowanceAccountForCreditLossesOfFinancialAssets | -200,000,000 | 2018-06-30 | 5 | EUR |
AmortisationExpense | 192,000,000 | 2017-12-31 | 2 | EUR |
RedesignatedFinancialAssetAtFairValueThroughProfitOrLoss | 186,000,000 | 2020-12-31 | 1 | EUR |
BrokerageFeeExpense | 185,000,000 | 2021-06-30 | 18 | EUR |
GainsLossesOnChangeInFairValueOfDerivatives | 185,000,000 | 2018-12-31 | 6 | EUR |
NoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSale | 164,000,000 | 2025-12-31 | 7 | EUR |
IncomeTaxRelatingToFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome | -162,000,000 | 2025-12-31 | 9 | EUR |
InterestIncomeOnHeldtomaturityInvestments | 154,000,000 | 2017-12-31 | 3 | EUR |
TaxExpenseRelatingToProfitLossFromOrdinaryActivitiesOfDiscontinuedOperations | 145,000,000 | 2015-12-31 | 1 | EUR |
IncomeTaxRelatingToAvailableforsaleFinancialAssetsOfOtherComprehensiveIncome | 142,000,000 | 2022-12-31 | 18 | EUR |
RecognisedLiabilitiesDefinedBenefitPlan | 141,000,000 | 2025-12-31 | 20 | EUR |
DeferredTaxRelatingToItemsChargedOrCreditedDirectlyToEquity | 137,000,000 | 2025-12-31 | 18 | EUR |
IncomeTaxRelatingToComponentsOfOtherComprehensiveIncome | -137,000,000 | 2025-12-31 | 27 | EUR |
PropertyDevelopmentAndProjectManagementExpense | 137,000,000 | 2018-06-30 | 2 | EUR |
RentalExpense | 137,000,000 | 2025-06-30 | 2 | EUR |
MiscellaneousOtherOperatingExpense | 134,000,000 | 2025-12-31 | 34 | EUR |
InvestmentIncome | 129,000,000 | 2025-12-31 | 41 | EUR |
TravelExpense | 126,000,000 | 2024-12-31 | 31 | EUR |
NetForeignExchangeGain | 119,000,000 | 2019-06-30 | 1 | EUR |
DividendsRecognisedForInvestmentsInEquityInstrumentsDesignatedAsMeasuredAtFairValueThroughOtherComprehensiveIncomeHeldAtEndOfReportingPeriod | 116,000,000 | 2025-12-31 | 27 | EUR |
ReserveOfChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability | -116,000,000 | 2018-06-30 | 1 | EUR |
RevenueFromDividends | 116,000,000 | 2025-12-31 | 29 | EUR |
CurrentAccruedExpensesAndOtherCurrentLiabilities | 108,000,000 | 2018-06-30 | 2 | EUR |
LiabilityAssetOfDefinedBenefitPlans | 106,000,000 | 2018-12-31 | 2 | EUR |
AccumulatedChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability | 95,000,000 | 2021-12-31 | 10 | EUR |
OtherInflowsOutflowsOfCashClassifiedAsInvestingActivities | -94,000,000 | 2021-06-30 | 17 | EUR |
GainLossOnChangeInFairValueOfHedgingInstrumentUsedAsBasisForRecognisingHedgeIneffectiveness | -93,000,000 | 2017-12-31 | 2 | EUR |
AdjustmentsForCurrentTaxOfPriorPeriod | -92,000,000 | 2025-12-31 | 27 | EUR |
DisposalsPropertyPlantAndEquipment | 78,000,000 | 2023-12-31 | 6 | EUR |
IncreaseDecreaseInFinancialAssetsArisingFromChangeInMeasurementAttributeFirstApplicationOfIFRS9 | -77,000,000 | 2018-01-01 | 2 | EUR |
IncreaseDecreaseInFinancialLiabilitiesArisingFromChangeInMeasurementAttributeFirstApplicationOfIFRS9 | -77,000,000 | 2018-01-01 | 1 | EUR |
FinancialAssetsWithContractualCashFlowsModifiedDuringReportingPeriodWhileLossAllowanceMeasuredAtLifetimeExpectedCreditLossesModificationGainLoss | -72,000,000 | 2025-12-31 | 15 | EUR |
MiscellaneousOtherOperatingIncome | 70,000,000 | 2025-12-31 | 13 | EUR |
TaxEffectOfRevenuesExemptFromTaxation2011 | 69,000,000 | 2025-12-31 | 27 | EUR |
GainsLossesRecognisedInProfitOrLossFairValueMeasurementLiabilities | -67,000,000 | 2017-12-31 | 2 | EUR |
PurchaseOfTreasuryShares | 64,000,000 | 2025-12-31 | 22 | EUR |
ChangesInFairValueOfFinancialLiabilityAttributableToChangesInCreditRiskOfLiability | 57,000,000 | 2025-12-31 | 10 | EUR |
GainsLossesRecognisedInOtherComprehensiveIncomeOnFinancialLiabilitiesAtFairValueThroughProfitOrLossDesignatedUponInitialRecognitionOrSubsequently | -56,000,000 | 2018-12-31 | 1 | EUR |
RevaluationIncreaseDecreasePropertyPlantAndEquipmentIncludingRightofuseAssets | 56,000,000 | 2025-12-31 | 4 | EUR |
DeferredTaxAssetWhenUtilisationIsDependentOnFutureTaxableProfitsInExcessOfProfitsFromReversalOfTaxableTemporaryDifferencesAndEntityHasSufferedLossInJurisdictionToWhichDeferredTaxAssetRelates | 55,000,000 | 2025-12-31 | 16 | EUR |
InterestIncomeOnImpairedFinancialAssetsAccrued | 54,000,000 | 2017-12-31 | 3 | EUR |
IncreaseDecreaseThroughSharebasedPaymentTransactions | 52,000,000 | 2025-12-31 | 41 | EUR |
IncomeTaxRelatingToExchangeDifferencesOnTranslationOfOtherComprehensiveIncome | 51,000,000 | 2025-12-31 | 23 | EUR |
EstimateOfContributionsExpectedToBePaidToPlan | 48,000,000 | 2025-12-31 | 8 | EUR |
DisposalsPropertyPlantAndEquipmentIncludingRightofuseAssets | 48,000,000 | 2025-12-31 | 4 | EUR |
ProfitLossFromContinuingOperationsAttributableToNoncontrollingInterests | 47,000,000 | 2019-06-30 | 10 | EUR |
GainsOnDisposalsOfInvestments | 44,000,000 | 2025-12-31 | 8 | EUR |
IncomeTaxRelatingToCashFlowHedgesOfOtherComprehensiveIncome | -43,000,000 | 2025-12-31 | 26 | EUR |
GainsLossesOnAvailableforsaleFinancialAssets | 42,000,000 | 2017-12-31 | 2 | EUR |
ImpairmentLossReversalOfImpairmentLossRecognisedInProfitOrLoss | 41,000,000 | 2023-12-31 | 6 | EUR |
ProceedsFromSalesOfPropertyPlantAndEquipmentClassifiedAsInvestingActivities | 39,000,000 | 2025-12-31 | 41 | EUR |
GainLossOnRemeasurementOfNetDefinedBenefitLiabilityAsset | 37,000,000 | 2025-12-31 | 16 | EUR |
AuditorsRemuneration | 36,000,000 | 2025-12-31 | 29 | EUR |
AdditionsOtherThanThroughBusinessCombinationsIntangibleAssetsOtherThanGoodwill | 35,000,000 | 2025-12-31 | 22 | EUR |
OtherComprehensiveIncomeNetOfTaxChangeInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiability | -34,000,000 | 2025-12-31 | 35 | EUR |
ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment | 33,000,000 | 2021-12-31 | 3 | EUR |
ActuarialGainsLossesArisingFromChangesInFinancialAssumptionsNetDefinedBenefitLiabilityAsset | 32,000,000 | 2025-12-31 | 18 | EUR |
AuditorsRemunerationForAuditServices | 32,000,000 | 2025-12-31 | 29 | EUR |
SettlementOfLiabilitiesByEntityOnBehalfOfRelatedPartyRelatedPartyTransactions | 31,480,000 | 2017-06-30 | 1 | EUR |
IssuedCapital | 30,000,000 | 2025-12-31 | 50 | EUR |
OtherComprehensiveIncome | 30,000,000 | 2025-12-31 | 41 | EUR |
GainsLossesOnDisposalsOfNoncurrentAssets | -29,000,000 | 2021-12-31 | 16 | EUR |
CurrentServiceCostNetDefinedBenefitLiabilityAsset | 29,000,000 | 2025-12-31 | 15 | EUR |
UnusedProvisionReversedOtherProvisions | 28,000,000 | 2025-12-31 | 12 | EUR |
GainOnRecoveryOfLoansAndAdvancesPreviouslyWrittenOff | 27,000,000 | 2024-12-31 | 16 | EUR |
InterestExpenseOnLeaseLiabilities | 27,000,000 | 2025-12-31 | 28 | EUR |
InvestmentProperty | 27,000,000 | 2025-12-31 | 20 | EUR |
ImpairmentLoss | 24,000,000 | 2024-06-30 | 11 | EUR |
OperatingLeaseIncome | 24,000,000 | 2017-12-31 | 3 | EUR |
IncreaseDecreaseThroughNetExchangeDifferencesDeferredTaxLiabilityAsset | 23,000,000 | 2025-12-31 | 18 | EUR |
DepreciationRightofuseAssets | 22,000,000 | 2017-12-31 | 3 | EUR |
RevenueOfCombinedEntity | 22,000,000 | 2018-06-30 | 1 | EUR |
IncomeFromStructuredEntities | 21,000,000 | 2025-12-31 | 16 | EUR |
ReclassificationAdjustmentsOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTax | 21,000,000 | 2025-12-31 | 32 | EUR |
GainsLossesOnIneffectivenessOfCashFlowHedgesRecognisedInProfitOrLoss | 20,000,000 | 2022-12-31 | 22 | EUR |
InterestExpenseIncomeNetDefinedBenefitLiabilityAsset | -19,000,000 | 2025-12-31 | 15 | EUR |
KeyManagementPersonnelCompensation | 18,343,000 | 2025-12-31 | 20 | EUR |
IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipmentIncludingRightofuseAssets | -18,000,000 | 2025-12-31 | 4 | EUR |
CashFlowsUsedInObtainingControlOfSubsidiariesOrOtherBusinessesClassifiedAsInvestingActivities | 17,000,000 | 2019-12-31 | 3 | EUR |
ImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets | 16,000,000 | 2025-12-31 | 4 | EUR |
ReversalOfImpairmentLossRecognisedInProfitOrLossTradeReceivables | 16,000,000 | 2025-12-31 | 3 | EUR |
NumberOfOutstandingShareOptions | 15,141,980 | 2017-12-31 | 4 | pure |
Advances | 15,000,000 | 2025-12-31 | 14 | EUR |
ValueAtRisk | 13,000,000 | 2018-12-31 | 4 | EUR |
ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsOtherThanGoodwill | 12,000,000 | 2024-12-31 | 6 | EUR |
RevenueOfAcquiree | 12,000,000 | 2018-06-30 | 1 | EUR |
IncreaseDecreaseInNetDefinedBenefitLiabilityAsset | 11,000,000 | 2025-12-31 | 15 | EUR |
TaxBenefitArisingFromPreviouslyUnrecognisedTaxLossTaxCreditOrTemporaryDifferenceOfPriorPeriodUsedToReduceCurrentTaxExpense | 10,000,000 | 2022-12-31 | 18 | EUR |
ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipment | 10,000,000 | 2023-12-31 | 6 | EUR |
ImpairmentLossRecognisedInProfitOrLoss | 9,000,000 | 2025-12-31 | 24 | EUR |
IncreaseDecreaseThroughNetExchangeDifferencesIntangibleAssetsAndGoodwill | -9,000,000 | 2025-12-31 | 22 | EUR |
ReversalOfImpairmentLoss | 9,000,000 | 2020-12-31 | 4 | EUR |
KeyManagementPersonnelCompensationShorttermEmployeeBenefits | 8,921,000 | 2025-12-31 | 18 | EUR |
NumberOfShareOptionsExpiredInSharebasedPaymentArrangement | 8,048,161 | 2017-12-31 | 3 | pure |
ImpairmentLossRecognisedInProfitOrLossIntangibleAssetsAndGoodwill | 7,000,000 | 2025-12-31 | 22 | EUR |
IncreaseDecreaseThroughTransfersFinancialAssets | 7,000,000 | 2017-12-31 | 2 | EUR |
OtherComprehensiveIncomeNetOfTaxGainsLossesOnRevaluation | 7,000,000 | 2025-12-31 | 41 | EUR |
ProceedsFromExerciseOfOptions | 7,000,000 | 2019-12-31 | 9 | EUR |
ReversalOfImpairmentLossRecognisedInProfitOrLossPropertyPlantAndEquipmentIncludingRightofuseAssets | 7,000,000 | 2025-12-31 | 4 | EUR |
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset | 6,000,000 | 2025-12-31 | 18 | EUR |
IncomeTaxRelatingToChangesInFairValueOfFinancialLiabilityAttributableToChangeInCreditRiskOfLiabilityOfOtherComprehensiveIncome | 6,000,000 | 2025-12-31 | 20 | EUR |
IncreaseDecreaseThroughTreasuryShareTransactions | 6,000,000 | 2025-12-31 | 40 | EUR |
TaxEffectFromChangeInTaxRate | -6,000,000 | 2025-12-31 | 27 | EUR |
IncreaseDecreaseThroughBusinessCombinationsDeferredTaxLiabilityAsset | 5,000,000 | 2023-12-31 | 12 | EUR |
IncreaseDecreaseThroughNetExchangeDifferencesOtherProvisions | -5,000,000 | 2025-12-31 | 10 | EUR |
IncreaseDecreaseThroughNetExchangeDifferencesPropertyPlantAndEquipment | -5,000,000 | 2023-12-31 | 6 | EUR |
IncreaseDecreaseThroughTransfersAndOtherChangesEquity | 5,000,000 | 2025-12-31 | 8 | EUR |
AssetsOtherThanCashOrCashEquivalentsInSubsidiaryOrBusinessesAcquiredOrDisposed2013 | 4,000,000 | 2020-12-31 | 1 | EUR |
AuditorsRemunerationForOtherServices | 4,000,000 | 2025-12-31 | 21 | EUR |
IncomeTaxRelatingToRemeasurementsOfDefinedBenefitPlansOfOtherComprehensiveIncome | 4,000,000 | 2025-12-31 | 27 | EUR |
OtherComprehensiveIncomeNetOfTaxGainsLossesOnRemeasurementsOfDefinedBenefitPlans | -4,000,000 | 2025-12-31 | 41 | EUR |
IncreaseDecreaseThroughTransfersAndOtherChangesOtherProvisions | -4,000,000 | 2025-12-31 | 10 | EUR |
ProceedsFromSalesOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethod | 4,000,000 | 2025-12-31 | 8 | EUR |
ProceedsFromIssueOfOrdinaryShares | 3,900,000 | 2020-12-31 | 9 | EUR |
IncreaseDecreaseInNumberOfOrdinarySharesIssued | 3,400,000 | 2021-12-31 | 3 | shares |
ChangesInOtherProvisions | -3,000,000 | 2016-12-31 | 1 | EUR |
GainLossRecognisedOnMeasurementToFairValueLessCostsToSellOrOnDisposalOfAssetsOrDisposalGroupsConstitutingDiscontinuedOperation | 3,000,000 | 2015-12-31 | 1 | EUR |
OtherOperatingIncomeExpense | 3,000,000 | 2025-12-31 | 19 | EUR |
ReversalOfImpairmentLossRecognisedInProfitOrLoss | 3,000,000 | 2017-12-31 | 3 | EUR |
IncreaseDecreaseThroughTransfersPropertyPlantAndEquipmentIncludingRightofuseAssets | -3,000,000 | 2025-12-31 | 4 | EUR |
DilutiveEffectOfShareOptionsOnNumberOfOrdinaryShares | 2,400,000 | 2023-12-31 | 31 | shares |
OutstandingCommitmentsMadeOnBehalfOfEntityRelatedPartyTransactions | 2,392,000 | 2021-12-31 | 10 | EUR |
NumberOfOutstandingShareOptions | 2,356,343 | 2019-12-31 | 9 | shares |
What to be careful about
What this model itself distrusts about ING's figures. Written by the derivation as it ran, not added afterwards.
- revenue is annual, not TTM
- operating income is annual, not TTM
- reports in EUR and quotes in USD, so the share price is converted at 1 USD = 0.8989 EUR as at 2026-10-14. Only the price is converted: every figure from the filing is as reported, and only the multiples built on market capitalisation carry the rate
- forward EPS growth +6.3% is analyst consensus, not a filing: consensus 2027 EPS 3.35 against trailing 2.96, over 2 year(s), from 3 analysts (taken 2026-10-14)
- durability DROPPED from the total: only 2 of 4 inputs could be computed (contracted coverage, gross margin stability not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
- resilience rests on 2 of 3 inputs; not tagged: liquidity