ING Groep N.V. (ING) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Net Interest Income | 3.82B | 3.71B | 22.09B | 3.62B | 3.68B | 3.69B | 26B | 0 | 3.88B | 4.03B | 21.38B | 4.01B | 3.54B | 3.33B | 8.41B | 3.42B | 3.37B | 3.39B | 7.21B | 3.51B |
| NII Growth % | 3.75% | 0.43% | -15.04% | - | -5.03% | -8.42% | 21.62% | -100% | 9.31% | 20.89% | 154.29% | 17.48% | 5.07% | -1.65% | 16.63% | -2.79% | 0.9% | 1.77% | -15.78% | 0.34% |
| Net Interest Margin % | 0.36% | 0.34% | 2.03% | 0.34% | 0.36% | 0.35% | 2.5% | 0% | 0.4% | 0.39% | 2.08% | 0.39% | 0.37% | 0.31% | 0.82% | 0.34% | 0.35% | 0.34% | 0.74% | 0.36% |
| Interest Income | 3.82B | 3.71B | 22.09B | 3.62B | 3.68B | 3.69B | 26B | 0 | 3.88B | 4.03B | 21.38B | 4.01B | 3.54B | 3.33B | 8.41B | 3.42B | 3.37B | 3.39B | 7.21B | 3.51B |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Loan Loss Provision | 365M | 326M | 299M | 313M | 299M | 336M | 301M | 258M | 86M | 183M | 98M | 152M | 269M | 403M | 202M | 987M | 346M | 39M | -92M | 223M |
| Non-Interest Income | 1.98B | 2.15B | 2.17B | 2.01B | 1.73B | 2.22B | 1.87B | 1.76B | 1.53B | 1.81B | 1.66B | 1.55B | 1.32B | 1.08B | 1.33B | 1.18B | 1.25B | 1.26B | 1.16B | 1.19B |
| Non-Interest Income % | 34.15% | 36.71% | 8.93% | 35.73% | 31.94% | 37.58% | 6.7% | 100% | 28.36% | 31.05% | 7.22% | 27.93% | 27.18% | 24.48% | 13.69% | 25.74% | 27.03% | 27.11% | 13.83% | 25.29% |
| Total Revenue | 5.8B | 5.85B | 24.26B | 5.64B | 5.41B | 5.91B | 27.87B | 1.76B | 5.41B | 5.84B | 23.04B | 5.57B | 4.87B | 4.41B | 9.74B | 4.6B | 4.62B | 4.65B | 8.37B | 4.7B |
| Revenue Growth % | 7.23% | -0.95% | -12.95% | 220.59% | -0.04% | 1.16% | 20.94% | -68.42% | 11.11% | 32.41% | 136.55% | 21.05% | 5.28% | -5.08% | 16.45% | -2.19% | 10.91% | 8.45% | -14.35% | 4.26% |
| Non-Interest Expense | 3.34B | 2.97B | 21.59B | 3.2B | 3.34B | 2.91B | 25B | -793M | 3.08B | 2.79B | 19.91B | 3.07B | 2.89B | 2.63B | 7.8B | 2.94B | 2.95B | 2.69B | 6.39B | 3.02B |
| Efficiency Ratio | 57.57% | 50.7% | 89% | 56.76% | 61.72% | 49.17% | 89.7% | -45.11% | 56.87% | 47.81% | 86.4% | 55.16% | 59.33% | 59.59% | 80.03% | 64.01% | 63.73% | 57.77% | 76.41% | 64.14% |
| Operating Income | 2.1B | 2.56B | 2.37B | 2.12B | 1.77B | 2.67B | 2.57B | 2.29B | 2.25B | 2.87B | 3.04B | 2.34B | 1.71B | 1.38B | 1.74B | 668M | 1.33B | 1.92B | 2.06B | 1.46B |
| Operating Margin % | 36.13% | 43.73% | 9.77% | 37.69% | 32.75% | 45.14% | 9.22% | 130.43% | 41.54% | 49.06% | 13.17% | 42.11% | 35.15% | 31.28% | 17.89% | 14.52% | 28.78% | 41.39% | 24.69% | 31.11% |
| Operating Income Growth % | 18.29% | -4.05% | -7.75% | -7.37% | -21.18% | -6.91% | -15.39% | -2.18% | 31.33% | 107.68% | 74.13% | 250.9% | 28.55% | -28.27% | -15.59% | -54.34% | 27.25% | 59.8% | 281.7% | 43.85% |
| Pretax Income | 2.1B | 2.56B | 2.37B | 2.12B | 1.77B | 2.67B | 2.57B | 2.29B | 2.25B | 2.87B | 3.04B | 2.34B | 1.71B | 1.38B | 1.74B | 668M | 1.33B | 1.92B | 2.06B | 1.46B |
| Pretax Margin % | 36.13% | 43.73% | 9.77% | 37.69% | 32.75% | 45.14% | 9.22% | 130.43% | 41.54% | 49.06% | 13.17% | 42.11% | 35.15% | 31.28% | 17.89% | 14.52% | 28.78% | 41.39% | 24.69% | 31.11% |
| Income Tax | 606M | 703M | 633M | 604M | 542M | 724M | 732M | 653M | 620M | 817M | 818M | 715M | 575M | 427M | 530M | 194M | 351M | 521M | 566M | 439M |
| Effective Tax Rate % | 28.93% | 27.46% | 26.72% | 28.44% | 30.6% | 27.14% | 28.5% | 28.48% | 27.59% | 28.51% | 26.95% | 30.5% | 33.61% | 30.94% | 30.41% | 29.04% | 26.37% | 27.08% | 27.41% | 30.01% |
| Net Income | 1.41B | 1.79B | 1.68B | 1.46B | 1.15B | 1.88B | 1.78B | 1.58B | 1.56B | 1.98B | 2.15B | 1.59B | 1.09B | 979M | 1.18B | 429M | 945M | 1.37B | 1.46B | 1B |
| Net Margin % | 24.34% | 30.53% | 6.91% | 25.82% | 21.34% | 31.81% | 6.39% | 89.76% | 28.8% | 33.93% | 9.35% | 28.58% | 22.37% | 22.19% | 12.08% | 9.33% | 20.44% | 29.41% | 17.44% | 21.37% |
| Net Income Growth % | 22.27% | -4.95% | -5.9% | -7.79% | -25.93% | -5.15% | -17.4% | -0.82% | 43.07% | 102.45% | 83.09% | 270.86% | 15.24% | -28.38% | -19.33% | -57.31% | 29.99% | 73.48% | 387.96% | 50% |
| Net Income (Continuing) | 1.49B | 1.86B | 1.74B | 1.52B | 1.23B | 1.94B | 1.84B | 1.64B | 1.63B | 2.05B | 2.22B | 1.63B | 1.14B | 953M | 1.21B | 474M | 980M | 1.4B | 1.5B | 1.02B |
| EPS (Diluted) | 0.48 | 0.60 | 0.54 | 0.47 | 0.37 | 0.59 | 0.88 | 0.48 | 0.47 | 0.56 | 0.60 | 0.44 | 0.30 | 0.26 | 0.31 | 0.11 | 0.25 | 0.35 | 0.37 | 0.26 |
| EPS Growth % | 29.73% | 1.69% | -38.64% | -2.08% | -21.28% | 5.36% | 46.67% | 9.09% | 56.67% | 115.38% | 93.55% | 300% | 20% | -25.71% | -16.22% | -57.69% | 31.58% | 75% | 386.84% | 52.94% |
| EPS (Basic) | 0.48 | 0.60 | 0.54 | 0.47 | 0.37 | 0.59 | 0.88 | 0.48 | 0.45 | 0.56 | 0.60 | 0.44 | 0.30 | 0.26 | 0.31 | 0.11 | 0.25 | 0.35 | 0.37 | 0.26 |
| Diluted Shares Outstanding | 2.92B | 2.96B | 3.1B | 3.1B | 3.13B | 3.2B | 3.28B | 3.29B | 3.34B | 3.56B | 3.61B | 3.62B | 3.62B | 3.73B | 3.76B | 3.76B | 3.78B | 3.9B | 3.9B | 3.9B |