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ING FINANCIAL STATEMENTS

ING Group NV ADR — balance sheet, income statement and cash flow trends

INGING Group NV ADR

🇺🇸 USA · US · Financial Services · Banks - Diversified

Value itDuel
PriceFinancialsPeers

Income Statement

Quarterly progression — trailing-twelve-month values
RevenueNet Income
020 B40 B60 B202120222023202420252026

Profit Funnel

Q1 2026 · TTM
Revenue41.7 B €Gross Profit40.4 B € · 97%Operating Income9.3 B € · 22%Pre-tax Income9.3 B € · 22%Net Income6.4 B € · 15%

Percentages are relative to revenue.

Key Figures

YoY change
Revenue41.7 B €+84.1%
Gross Profit40.4 B €+86.1%
Operating Income9.3 B €-13.3%
EBITDA9.3 B €+86.2%
Net Income6.4 B €+2.6%

Peer Comparison· Banks - Diversified

CompanyRev. GrowthGross MarginEBITDA MarginNet Margin
ING———15.4%
Industry median———17.3%

Balance Sheet

Quarterly period-end values
Total AssetsTotal LiabilitiesEquity
0500 B1 T202120222023202420252026

Capital Structure

Q1 2026
Total Assets1.1 T
  • Equity50.9 B €4%
  • Current Liabilities885.3 B €78%
  • Long-term Liabilities200.2 B €18%

Key Figures

YoY change
Total Assets1.1 T €+5.4%
Total Liabilities1.1 T €+5.8%
Total Equity50.9 B €-1.6%
Cash & ST Investments189.8 B €+35.6%
Total Debt182.9 B €+8.7%
Net Debt114.3 B €+54.0%

Peer Comparison· Banks - Diversified

CompanyCurrent RatioDebt/EquityNetDebt/EBITDAEquity/Assets
ING0.21359.5%-0.744.5%
Industry median0.44294.1%8.475.7%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values
Operating Cash FlowCapital ExpendituresFree Cash Flow
050 B202120222023202420252026

Cash Flow Bridge

Q1 2026 · TTM
-20 B-10 B04.1 B €Operating-24.5 B €Investing17.5 B €Financing-2.9 B €Net Change

Key Figures

YoY change
Operating Cash Flow4.1 B €—
Capital Expenditures475 M €-5.8%
Free Cash Flow——
Dividends Paid6.5 B €+2.5%

Peer Comparison· Banks - Diversified

CompanyCF MarginFCF MarginCapEx RatioCF/Net Income
ING9.9%—1.1%63.9%
Industry median31.2%30.4%1.7%168.8%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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