v3.26.1
Segments (Tables)
 6 Months Ended
Jun. 30, 2026
Disclosure of operating segments [abstract]  
Schedule of ING Group total The following table specifies the segments by line of business and the main sources of income of each of the
segments:
Specification of the main sources of income of each of the segments by line of business
Segments by line of business
Main source of income
Retail Netherlands
Income from products and services provided to private individuals, business banking
clients and private banking clients in the Netherlands. The main products and services
offered are daily banking, lending, savings, investments and insurance brokerage.
Retail Belgium
Income from products and services provided to private individuals, business banking
clients and private banking clients in Belgium and Luxembourg. The main products and
services offered are similar to those in the Netherlands.
Retail Germany
Income from products and services provided to private individuals, business banking
clients and private banking clients in Germany. The main products and services offered
are similar to those in the Netherlands.
Retail Other
Income from products and services provided to private individuals, business banking
clients and private banking clients in the other retail countries (Spain, Italy, Australia,
Poland, Romania and Türkiye). The main products and services offered are similar to
those in the Netherlands.
Wholesale Banking
Income from wholesale banking activities, of which the main products are lending,
payments & cash management, working capital solutions, trade finance, financial
markets, corporate finance and treasury.
ING Group Total
1 January to 30 June 2026
1 January to 30 June 2025
in EUR million
ING Bank
Other
ING Group
ING Bank
Other
ING Group
Net interest income
8,160
21
8,181
7,051
108
7,159
Net fee and commission income
2,511
3
2,514
2,214
2
2,216
Total investment and other income
1,412
1,412
1,965
1,965
– of which share of result from associates and joint ventures
124
124
85
85
– of which revaluations and trading income
1,188
1,188
1,839
1,839
Total income
12,083
24
12,107
11,229
111
11,339
Operating expenses
6,296
9
6,305
6,231
3
6,234
– of which Regulatory expenses
402
402
439
439
Addition to loan loss provisions
625
625
612
612
Total expenses
6,921
9
6,930
6,843
3
6,846
Result before taxation
5,161
16
5,177
4,385
108
4,493
Taxation
1,549
5
1,554
1,209
28
1,237
Non-controlling interests
120
120
127
127
Net result IFRS-EU
3,492
11
3,503
3,050
80
3,130
Adjustment of the EU 'IAS 39 carve out'
-319
-319
786
786
Net result IFRS-IASB
3,173
11
3,184
3,835
80
3,915
Summary of reconciliation between IFRS and underlying income, expenses and net result
Reconciliation between IFRS-IASB and IFRS-EU income, expense and net result
1 January to 30 June 2026
1 January to 30 June 2025
in EUR million
Income
Expenses
Taxation
Non-controlling
interests
Net result 1
Income
Expenses
Taxation
Non-controlling
interests
Net result1
Net result IFRS-IASB attributable to equity holder of
the parent
11,668
6,930
1,434
120
3,184
12,404
6,846
1,516
127
3,915
Remove impact of:
Adjustment of the EU 'IAS 39 carve out' 2
439
120
319
-1,065
-279
-786
Net result ING Group IFRS-EU 3
12,107
6,930
1,554
120
3,503
11,339
6,846
1,237
127
3,130
1Net result reflects the net result attributable to shareholders of the parent.
2ING prepares the Form 6-K in accordance with IFRS-IASB. This information is prepared by reversing the hedge accounting impacts that applied under the EU 'carve-out' version of IAS 39. For the underlying result, the impact of the carve-out is re-instated as this is the measure at which management monitors the
business.
3IFRS-EU figures include the impact of applying the EU 'IAS 39 carve-out'.
Summary of segments banking
Segments
1 January to 30 June 2026
1 January to 30 June 2025
in EUR million
Retail
Nether-
lands
Retail
Belgium
Retail
Germany
Retail
Other
Wholesale
Banking
Corporate
Line
Total
Retail
Nether-
lands
Retail
Belgium
Retail
Germany
Retail
Other
Wholesale
Banking
Corporate
Line
Total
Net interest income
1,919
940
1,245
2,157
1,768
152
8,181
1,508
886
1,215
1,929
1,412
209
7,159
Net fee and commission income
593
385
307
457
772
-1
2,514
540
339
287
356
696
-2
2,216
Total investment and other income
248
90
-14
83
1,073
-67
1,412
403
73
-77
164
1,344
57
1,965
– of which share of result from associates and joint ventures
28
14
3
12
67
124
-4
75
5
-58
66
85
– of which revaluations and trading income
189
64
-25
22
1,054
-116
1,188
383
48
-84
148
1,340
3
1,839
Total income
2,759
1,414
1,538
2,697
3,614
84
12,107
2,451
1,298
1,425
2,449
3,452
265
11,339
Operating expenses
973
915
700
1,563
1,886
268
6,305
981
995
680
1,436
1,901
239
6,234
– of which Regulatory expenses
177
-3
157
70
1
402
226
25
136
51
0
439
Addition to loan loss provisions
39
131
78
158
204
15
625
72
76
77
159
227
0
612
Total expenses
1,012
1,046
777
1,721
2,091
283
6,930
1,054
1,072
758
1,595
2,128
240
6,846
Result before taxation
1,747
368
760
977
1,523
-199
5,177
1,398
226
667
854
1,324
25
4,493
Taxation
455
101
244
340
407
8
1,554
369
62
216
202
342
45
1,237
Non-controlling interests
0
1
101
18
0
120
0
1
106
19
127
Net result IFRS-EU
1,293
267
516
536
1,097
-206
3,503
1,029
164
450
546
962
-21
3,130
Adjustment of the EU 'IAS 39 carve out'
-319
-319
786
786
Net result IFRS-IASB
1,293
267
516
536
778
-206
3,184
1,029
164
450
546
1,748
-21
3,915