ING Groep N.V. (ING) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	40.5B	23.0B	66.4B	58.9B	33.6B
Cost of Revenue	1.3B	1.3B	45.0B	36.7B	16.5B
Gross Profit	39.2B	21.7B	21.4B	22.2B	17.1B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	—	—	8.1B	7.7B	7.2B
General & Admin Expense	—	—	7.7B	7.3B	6.8B
Selling & Marketing Expense	—	—	441.0M	369.0M	331.0M
Other Expenses	29.4B	12.6B	4.0B	4.0B	4.4B
Total Operating Expenses	29.4B	12.6B	12.1B	11.7B	11.6B
Cost and Expenses	30.7B	13.9B	57.1B	48.4B	28.1B
Operating Income (EBIT)	9.8B	9.1B	9.3B	10.5B	5.5B
Non-Operating
Interest Income	32.5B	14.7B	58.9B	52.2B	28.5B
Interest Expense	—	—	43.9B	36.3B	14.7B
Net Interest Income	32.5B	14.7B	15.0B	16.0B	13.8B
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	9.8B	9.1B	9.3B	10.5B	5.5B
Income Tax Expense	2.9B	2.5B	2.6B	3.0B	1.7B
Bottom Line
Net Income	6.7B	6.3B	6.4B	7.3B	3.7B
Earnings from Cont. Ops	7.0B	6.6B	6.7B	7.5B	3.8B
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	6.7B	6.3B	6.4B	7.3B	3.7B
Per Share
Basic EPS	$2.29	$2.12	$1.65	$1.16	$1.02
Diluted EPS	$2.29	$2.12	$1.65	$1.16	$1.01
Revenue Per Share	$14.03	$7.72	$20.98	$16.52	$9.29
Shares
Basic Shares Outstanding	2.9B	3.0B	3.2B	3.6B	3.6B
Diluted Shares Outstanding	2.9B	3.0B	3.2B	3.6B	3.6B
Profitability Metrics
EBITDA	9.8B	9.1B	10.0B	11.2B	6.2B
D&A	—	—	673.0M	674.0M	711.0M
EBIT	9.8B	9.1B	9.3B	10.5B	5.5B

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026