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"purchases_of_property_and_equipment": -135691595, "net_cash_from_investing_activities": -9661460414, "purchases_of_treasury_shares": -2240005603, "dividends_and_other_cash_distributions_paid": -3111058099, "net_cash_from_financing_activities": 10141852431, "net_cash_flow": 11961651804, "cash_and_cash_equivalents_end_of_period": 93440816932 }, "ifrs_eu_reconciliation": { "ifrs_eu_net_result_attributable_to_shareholders": 3425118484, "carve_out_adjustment_after_tax": 860109626 }, "ifrs_eu_management_basis": { "income_statement": { "net_interest_income": 7834001031, "net_fee_and_commission_income": 2424940115, "investment_and_other_income": 2150274064, "total_income": 12408120923, "expenses_excluding_regulatory_costs": 6341393487, "regulatory_costs": 480392017, "operating_expenses": 6821785504, "gross_result": 5586335419, "addition_to_loan_loss_provisions": 669703678, "result_before_tax": 4916631741, "taxation": 1353633088, "net_result_attributable_to_noncontrolling_interests": 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"net_result_including_noncontrolling_interests": 3854477155, "net_result_attributable_to_noncontrolling_interests": 139993117, "net_income_attributable_to_shareholders": 3714484038, "basic_eps": 1.2949, "diluted_eps": 1.2949 }, "shares": { "weighted_average_basic_shares": 2879400000, "weighted_average_diluted_shares": 2879400000 }, "cash_flow": { "net_cash_from_operating_activities": 17767459767, "purchases_of_property_and_equipment": -430478835, "net_cash_from_investing_activities": -23198026097, "purchases_of_treasury_shares": -1311268863, "dividends_and_other_cash_distributions_paid": -3288671640, "net_cash_from_financing_activities": 10351324393, "net_cash_flow": 4919591453, "cash_and_cash_equivalents_end_of_period": 66486887007 }, "ifrs_eu_reconciliation": { "ifrs_eu_net_result_attributable_to_shareholders": 4086632407, "carve_out_adjustment_after_tax": -372148369, "ifrs_eu_shareholders_equity": 57365847421, "carve_out_equity_adjustment_after_tax": 4643293028 }, "ifrs_eu_management_basis": { "income_statement": { "net_interest_income": 9544030752, "net_fee_and_commission_income": 2932855801, "investment_and_other_income": 1647252343, "total_income": 14124138897, "expenses_excluding_regulatory_costs": 6886494747, "regulatory_costs": 468976942, "operating_expenses": 7355471689, "gross_result": 6768667207, "addition_to_loan_loss_provisions": 729130818, "result_before_tax": 6039536389, "taxation": 1812910865, "net_result_attributable_to_noncontrolling_interests": 139993117, "net_income_attributable_to_shareholders": 4086632407 } }, "balance_sheet": { "cash_and_balances_with_central_banks": 74157967866, "loans_and_advances_to_banks": 34606062198, "financial_assets_at_fair_value_through_oci": 71976179576, "securities_at_amortised_cost": 77618459915, "loans_and_advances_to_customers": 869192030479, "total_assets": 1331658079181, "deposits_from_banks": 36177041102, "customer_deposits": 882866168809, "debt_securities_in_issue": 189534723086, "subordinated_loans": 21769931509, "total_liabilities": 1268346259278, "shareholders_equity": 62009140448, "noncontrolling_interests": 1302679455, "total_equity": 63311819904 }, "regulatory_capital": { "available_cet1_capital": 51024846812, "risk_weighted_assets": 390399674844, "cet1_ratio_pct": 13.1, "tier1_ratio_pct": 15.7, "total_capital_ratio_pct": 18.7 }, "key_metrics": { "interim_dividend_per_share_in_respect_of_period": 0.4666 } }, "trailing_twelve_months": { "label": "Twelve months to 30 June 2026", "period_start": "2025-07-01", "period_end": "2026-06-30", "period_type": "trailing twelve months", "source_accession": "0001628280-26-050785", "derived_from_accessions": [ "0001628280-26-011979", "0001628280-26-050785" ], "accounting_basis": "IFRS-IASB; derived as FY2025 (2025 Form 20-F) plus 6M2026 less 6M2025 (interim Form 6-K)", "conversion": { "currency": "EUR", "average": { "eur_per_usd": 0.85727, "source": "FRED DEXUSEU, average of 250 daily rates 2025-07-01 to 2026-06-30" } }, "income_statement": { "net_interest_income": 18661565201, "net_fee_and_commission_income": 5715818820, "total_income": 29094684288, "addition_to_loan_loss_provisions": 1536272120, "total_expenses_including_loan_loss_provisions": 16297082599, "result_before_tax": 12797601689, "taxation": 3627795210, "net_result_including_noncontrolling_interests": 9169806479, "net_result_attributable_to_noncontrolling_interests": 312620295, "net_income_attributable_to_shareholders": 8857186184 }, "ifrs_eu_reconciliation": { "ifrs_eu_net_result_attributable_to_shareholders": 7815507366 } }, "notes": [ "ING reports on two accounting bases. Its statutory financial statements filed with the SEC (the 2025 Form 20-F and the interim Form 6-K for the six months to 30 June 2026) are prepared under IFRS as issued by the IASB (IFRS-IASB). ING manages the business, reports its quarterly results and sets capital and dividends on IFRS as adopted by the EU (IFRS-EU), which allows fair value hedge accounting for portfolio hedges of mortgages and core deposits under the EU 'IAS 39 carve-out'.", "The annual periods, the six-month year-to-date block and its prior-year comparative are on the statutory IFRS-IASB basis. The three-month quarters (2Q2026, 1Q2026, 2Q2025) are on ING's IFRS-EU basis, from the 2Q2026 results press release (accession 0001171843-26-005044, Exhibit 99.1), because ING publishes quarterly figures only on that basis. Each period states its basis in 'accounting_basis'. Compare quarters with quarters, and annual and year-to-date figures with each other; quarterly and statutory figures are not on the same basis.", "The size of the difference: for 6M2026, net result attributable to shareholders was EUR 3,503 million under IFRS-EU and EUR 3,184 million under IFRS-IASB (carve-out adjustment of EUR -319 million after tax); for 6M2025, EUR 3,130 million versus EUR 3,915 million (+786 million); for FY2025, EUR 6,327 million versus EUR 8,324 million (+1,996 million). IFRS-IASB shareholders' equity was EUR 54,313 million at 30 June 2026 against EUR 50,246 million under IFRS-EU. ING states that the impact of the adjustment is mainly reflected in the statement of profit or loss line 'Valuation results and net trading income'. These reconciliations are carried in each statutory period's 'ifrs_eu_reconciliation' block, and the six-month IFRS-EU results are carried in year_to_date 'ifrs_eu_management_basis' so the two quarters of 2026 can be tied to a six-month total (net result 1,556 + 1,947 = 3,503).", "The quarterly income statement uses ING's results layout: net interest income, net fee and commission income, investment income and other income make up total income; operating expenses (expenses excluding regulatory costs plus regulatory costs, which are bank taxes and deposit guarantee and resolution fund contributions) are deducted to give the gross result; the addition to loan loss provisions is then deducted to give the result before tax. 'net_income_attributable_to_shareholders' is ING's net result attributable to shareholders of the parent, after taxation and non-controlling interests. In the statutory statements, 'total_expenses_including_loan_loss_provisions' is the statement's 'Total expenses' line, which includes the addition to loan loss provisions alongside staff and other operating expenses.", "The 1Q2026 quarter is taken from the comparative column of the 2Q2026 press release, not from a separate first-quarter filing. The 2Q2025 quarter is likewise the press release's year-ago column; the press release prints no 30 June 2025 balance sheet, so that quarter carries no balance sheet, and its risk-weighted assets are printed only in billions (EUR 335.8 billion).", "The quarterly figures reconcile: the 1Q2026 and 2Q2026 columns sum to the 6M2026 column on every income statement line within EUR 1 million of rounding, the six-month IFRS-EU totals match the condensed consolidated results table in the interim Form 6-K, the year-on-year and quarter-on-quarter percentage changes the press release states recompute from the figures, and the three segments sum to the group total within EUR 1 million.", "Quarterly balance sheets (31 March 2026 and 30 June 2026) are the press release's IFRS-EU balance sheet; the statutory IFRS-IASB balance sheet at 30 June 2026 is in the year_to_date block. The two differ by the carve-out (for example total assets EUR 1,160,759 million under IFRS-EU versus EUR 1,166,382 million under IFRS-IASB; loans and advances to customers EUR 755,620 million versus EUR 761,314 million). The press release prints its 31 March 2026 total assets as EUR 1,137,511 million against total liabilities of EUR 1,085,446 million and total equity of EUR 52,064 million, a EUR 1 million rounding difference carried as printed.", "The 31 December 2025 statutory balance sheet printed as a comparative in the interim Form 6-K agrees line for line with the 2025 Form 20-F (for example total assets EUR 1,060,329 million, customer deposits EUR 721,373 million, shareholders' equity EUR 54,083 million).", "Signs follow the statements: total interest expense, cash outflows (purchases of property and equipment, purchases of treasury shares, dividends paid, and negative operating or investing cash flows) and the provision for loan losses deducted from customer lending are negative. The addition to loan loss provisions is shown as a positive charge, as printed.", "Earnings per share: the statutory basic and diluted figures and weighted average share counts are from the earnings per ordinary share notes (Note 28 in the 20-F, Note 15 in the interim Form 6-K; ING had no dilutive potential ordinary shares in 6M2026, and basic and diluted earnings per share are equal in every period shown). Quarterly 'basic_eps' is the press release's IFRS-EU 'net result per share', and the quarterly share counts are the press release's share information (shares outstanding at period end and the average number of shares outstanding in the quarter, both net of treasury shares). Net result divided by the average share count reproduces each printed per-share figure.", "Dividends per share: annual figures are the total dividend declared in respect of each year (2025: EUR 0.350 interim plus EUR 0.736 final = EUR 1.086). The year-to-date figure is the EUR 0.40 interim dividend declared for the first half of 2026 (payable 10 August 2026 on Euronext Amsterdam and 17 August 2026 on the New York Stock Exchange), against EUR 0.35 for the first half of 2025. The additional cash distribution of EUR 0.172 per share declared in October 2025 and paid in January 2026 (EUR 500 million) is not included in these per-share dividend figures.", "Commercial net interest income (with its lending and liability components), commercial net interest margin and return on tangible equity are alternative performance measures defined by ING; commercial net interest income is reconciled to IFRS-EU net interest income in the press release. As from 1Q2026 ING reports return on tangible equity instead of return on equity and has recomputed prior-period ratios on the same method. Segment results (Retail Banking, Wholesale Banking, Corporate Line) are on the IFRS-EU basis.", "Regulatory capital figures (available common equity Tier 1 capital, risk-weighted assets, CET1, Tier 1, total capital and leverage ratios) are under CRR III / CRD V and are built on IFRS-EU shareholders' equity. They are attached to each period by its end date: FY2025 and FY2024 from the 20-F, 30 June 2026 from the interim Form 6-K (matching the press release), 31 March 2026 from the press release's capital position table, and 30 June 2025 from the press release's results table.", "The trailing twelve months to 30 June 2026 are derived on the IFRS-IASB basis as FY2025 plus 6M2026 less 6M2025 for each income statement line shown, computed in euros and then converted at the average rate for 1 July 2025 to 30 June 2026. The IFRS-EU net result for the same twelve months is derived the same way (6,327 + 3,503 - 3,130 = EUR 6,700 million).", "Annual periods cover the three years the 2025 Form 20-F presents for the income statement and cash flow statement (2025, 2024, 2023) and the two years it presents for the balance sheet (2025, 2024); FY2023 therefore carries no balance sheet. Capital ratios are shown for 2025 and 2024." ], "uncertainties": [ "Quarterly figures exist in these filings only on ING's IFRS-EU management basis; no three-month IFRS-IASB figures are published, and they cannot be derived because no first-quarter 2026 IFRS-IASB statement is among these filings.", "US dollar figures use market reference rates (Federal Reserve H.10, via FRED), not rates stated by ING, so they will differ slightly from any translation ING or other sources publish.", "The 1:1 ratio of American Depositary Shares to ordinary shares is taken from the depositary banks' listings; the 20-F describes the ADS programme and its fees but does not restate the ratio in a sentence. At 1:1 it does not change any figure." ], "headline": { "period": "Q2 FY2026", "period_end_words": "June 30, 2026", "metrics": [ { "label": "Total income", "format": "usd", "value": 7309433054, "text": "$7.31 billion", "exact": "$7,309,433,054", "compact": "$7.31B", "abs": "$7.31 billion", "prior_value": 6466964270, "prior": "$6.47 billion", "priorabs": "$6.47 billion", "yoy": "up 13.0%", "source": { "array": "quarterly", "field": "income_statement.total_income", "index": 0, "period_label": "2Q2026", "period_end": "2026-06-30", "period_start": "2026-04-01", "span_days": 90, "source_accession": "0001171843-26-005044", "prior_index": 2, "prior_period_label": "2Q2025", "prior_period_end": "2025-06-30", "prior_period_start": "2025-04-01", "prior_span_days": 90, "prior_source_accession": "0001171843-26-005044", "gap_days": 365 } }, { "label": "Net income", "format": "usd", "value": 2264714538, "text": "$2.26 billion", "exact": "$2,264,714,538", "compact": "$2.26B", "abs": "$2.26 billion", "prior_value": 1899713285, "prior": "$1.9 billion", "priorabs": "$1.9 billion", "yoy": "up 19.2%", "source": { "array": "quarterly", "field": "income_statement.net_income_attributable_to_shareholders", "index": 0, "period_label": "2Q2026", "period_end": "2026-06-30", "period_start": "2026-04-01", "span_days": 90, "source_accession": "0001171843-26-005044", "prior_index": 2, "prior_period_label": "2Q2025", "prior_period_end": "2025-06-30", "prior_period_start": "2025-04-01", "prior_span_days": 90, "prior_source_accession": "0001171843-26-005044", "gap_days": 365 } }, { "label": "EPS", "format": "eps", "value": 0.791, "text": "$0.79", "exact": "$0.79", "compact": "$0.79", "abs": "$0.79", "prior_value": 0.6351, "prior": "$0.64", "priorabs": "$0.64", "yoy": "up 24.5%", "source": { "array": "quarterly", "field": "income_statement.basic_eps", "index": 0, "period_label": "2Q2026", "period_end": "2026-06-30", "period_start": "2026-04-01", "span_days": 90, "source_accession": "0001171843-26-005044", "prior_index": 2, "prior_period_label": "2Q2025", "prior_period_end": "2025-06-30", "prior_period_start": "2025-04-01", "prior_span_days": 90, "prior_source_accession": "0001171843-26-005044", "gap_days": 365 } }, { "label": "Return on tangible equity", "format": "pct", "value": 17, "text": "17.0%", "exact": "17.0%", "compact": "17.0%", "abs": "17.0%", "prior_value": 14.3, "prior": "14.3%", "priorabs": "14.3%", "yoy": "up 2.7 points", "source": { "array": "quarterly", "field": "key_metrics.return_on_tangible_equity_pct", "index": 0, "period_label": "2Q2026", "period_end": "2026-06-30", "period_start": "2026-04-01", "span_days": 90, "source_accession": "0001171843-26-005044", "prior_index": 2, "prior_period_label": "2Q2025", "prior_period_end": "2025-06-30", "prior_period_start": "2025-04-01", "prior_span_days": 90, "prior_source_accession": "0001171843-26-005044", "gap_days": 365 } }, { "label": "Cost-income ratio", "format": "pct", "value": 49.1, "text": "49.1%", "exact": "49.1%", "compact": "49.1%", "abs": "49.1%", "prior_value": 53.2, "prior": "53.2%", "priorabs": "53.2%", "yoy": "down 4.1 points", "source": { "array": "quarterly", "field": "key_metrics.cost_income_ratio_pct", "index": 0, "period_label": "2Q2026", "period_end": "2026-06-30", "period_start": "2026-04-01", "span_days": 90, "source_accession": "0001171843-26-005044", "prior_index": 2, "prior_period_label": "2Q2025", "prior_period_end": "2025-06-30", "prior_period_start": "2025-04-01", "prior_span_days": 90, "prior_source_accession": "0001171843-26-005044", "gap_days": 365 } }, { "label": "H1 net income IFRS-IASB", "format": "usd", "value": 3714484038, "text": "$3.71 billion", "exact": "$3,714,484,038", "compact": "$3.71B", "abs": "$3.71 billion", "prior_value": 4284133823, "prior": "$4.28 billion", "priorabs": "$4.28 billion", "yoy": "down 13.3%", "source": { "array": "year_to_date", "field": "income_statement.net_income_attributable_to_shareholders", "index": null, "period_label": "6M2026 (1 January to 30 June 2026)", "period_end": "2026-06-30", "period_start": "2026-01-01", "span_days": 180, "source_accession": "0001628280-26-050785", "prior_array": "year_to_date.prior_year_comparative", "prior_index": null, "prior_period_label": "6M2025 (1 January to 30 June 2025)", "prior_period_end": "2025-06-30", "prior_period_start": "2025-01-01", "prior_span_days": 180, "prior_source_accession": "0001628280-26-050785", "gap_days": 365 } } ], "summary": "ING Groep reported net income attributable to shareholders of $2.26 billion for Q2 FY2026, the quarter ended June 30, 2026, up 19.2% from a year earlier in US dollar terms, on total income of $7.31 billion, up 13.0%. Earnings per share were $0.79, against $0.64 a year earlier, rising faster than net income as share buybacks reduced the share count, and return on tangible equity was 17.0%. These quarterly figures are on ING's IFRS-EU management basis; on the IFRS-IASB basis of its SEC filings, first-half net income attributable to shareholders was $3.71 billion, down 13.3%, measured in US dollars after converting from euros, reflecting hedge-accounting effects; in euros, the currency ING reports in, the decline was steeper.", "qa": [ { "q": "How much did ING earn in Q2 FY2026?", "a": "ING Groep reported net income attributable to shareholders of $2.26 billion for Q2 FY2026, the quarter ended June 30, 2026, up 19.2% from $1.9 billion a year earlier, on its IFRS-EU management basis converted from euros to US dollars. On the IFRS-IASB basis of its SEC filings, ING's first-half net income attributable to shareholders was $3.71 billion, down 13.3% from $4.28 billion, measured in US dollars after converting from euros, reflecting hedge-accounting effects; in euros, the currency ING reports in, the decline was steeper." }, { "q": "What was ING's revenue in Q2 FY2026?", "a": "ING Groep's total income, its revenue after interest expense, was $7.31 billion in Q2 FY2026, the quarter ended June 30, 2026, up 13.0% from $6.47 billion in the same quarter a year earlier, a change measured in US dollars after converting from euros." }, { "q": "What were ING's earnings per share in Q2 FY2026?", "a": "ING Groep earned $0.79 per share in Q2 FY2026, up 24.5% from $0.64 a year earlier, measured in US dollars after converting from euros, helped by share buybacks that reduced the share count. Each NYSE-listed ING American depositary share represents one ordinary share, so the figure is the same per ADS." }, { "q": "What was ING's return on tangible equity in Q2 FY2026?", "a": "ING Groep's return on tangible equity was 17.0% in Q2 FY2026, up 2.7 points from 14.3% a year earlier, and its cost/income ratio was 49.1%, down 4.1 points from 53.2%." } ] }, "company_details": { "Name": "Ing Groep Nv", "Ticker": "ING", "CIK": "0001039765", "Exchange": "NYSE", "State": "Netherlands", "Incorporation": "Netherlands", "SIC": "6029", "Office": "Finance", "Industry": "Commercial Banks, NEC" }, "next_filing": { "predicted_date": "2026-10-29", "predicted_type": "6-K" }, "fiscal_period": { "fiscal_year": 2026, "fiscal_period": "Q2", "tag": "FY26Q2", "period_end": "2026-06-30", "form": "6-K", "accession": "0001628280-26-050785", "fiscal_year_end": "1231", "source": "derived" }, "source_filings": [ { "role": "annual", "current": false, "form": "20-F", "fiscal_year": 2025, "fiscal_period": "FY", "tag": "FY25", "period_end": "2025-12-31", "filed": "2026-02-26", "accession": "0001628280-26-011979", "url": "https://www.sec.gov/Archives/edgar/data/1039765/000162828026011979/ing-20251231.htm", "source": "reported" }, { "role": "quarterly", "current": true, "form": "6-K", "fiscal_year": 2026, "fiscal_period": "Q2", "tag": "FY26Q2", "period_end": "2026-06-30", "filed": "2026-07-30", "accession": "0001628280-26-050785", "url": "https://www.sec.gov/Archives/edgar/data/1039765/000162828026050785/0001628280-26-050785-index.htm", "source": "derived" } ], "figure_sources": { "about": "Where each figure in this file is printed in its SEC filing. This block mirrors the paths of the figures: figure_sources.annual[0].income_statement.net_income is the source of annual[0].income_statement.net_income. Each entry reads '#', and the link is documents[] + '#': it opens the filing at the line that prints that number. A figure with no entry is not printed in a tagged filing, either because it was calculated (margins, free cash flow, trailing twelve months, a quarter derived by subtraction) or because it comes from an untagged earnings release. A figure this file converted to US dollars links to the number as the filing prints it, in the filing's own currency: that number at its period's conversion rate (and ADS ratio, for a per-share figure) is the figure.", "documents": { "d1": "https://www.sec.gov/Archives/edgar/data/1039765/000162828026011979/ing-20251231.htm" }, "annual": [ { "period_end": "2025-12-31", "income_statement": { "total_interest_income": "d1#f-3279", "net_interest_income": "d1#f-3303", "net_fee_and_commission_income": "d1#f-3318", "valuation_results_and_net_trading_income": "d1#f-3327", "investment_income": "d1#f-3330", "share_of_result_from_associates_and_joint_ventures": "d1#f-3333", "other_net_income": "d1#f-3342", "total_income": "d1#f-3348", "addition_to_loan_loss_provisions": "d1#f-3579", "staff_expenses": "d1#f-3276", "other_operating_expenses": "d1#f-3282", "total_expenses_including_loan_loss_provisions": "d1#f-3285", "result_before_tax": "d1#f-3573", "taxation": "d1#f-3300", "net_result_including_noncontrolling_interests": "d1#f-3406", "net_result_attributable_to_noncontrolling_interests": "d1#f-3315", "net_income_attributable_to_shareholders": "d1#f-3321", "basic_eps": "d1#f-3345", "diluted_eps": "d1#f-3351", "total_interest_expense": "d1#f-3297" }, "shares": { "weighted_average_basic_shares": "d1#f-5599", "weighted_average_diluted_shares": "d1#f-5599" }, "ifrs_eu_reconciliation": { "ifrs_eu_net_result_attributable_to_shareholders": "d1#f-3803", "carve_out_adjustment_after_tax": "d1#f-3812", "ifrs_eu_shareholders_equity": "d1#f-3819", "carve_out_equity_adjustment_after_tax": "d1#f-3828" }, "cash_flow": { "net_cash_from_financing_activities": "d1#f-3684", "cash_and_cash_equivalents_end_of_period": "d1#f-3696", "purchases_of_property_and_equipment": "d1#f-3639", "net_cash_from_operating_activities": "d1#f-3627", "net_cash_from_investing_activities": "d1#f-3660", "purchases_of_treasury_shares": "d1#f-3678", "dividends_and_other_cash_distributions_paid": "d1#f-3681", "net_cash_flow": "d1#f-3687" }, "balance_sheet": { "cash_and_balances_with_central_banks": "d1#f-109", "loans_and_advances_to_banks": "d1#f-3201", "financial_assets_at_fair_value_through_oci": "d1#f-3221", "securities_at_amortised_cost": "d1#f-3225", "loans_and_advances_to_customers": "d1#f-3229", "total_assets": "d1#f-3263", "deposits_from_banks": "d1#f-3199", "customer_deposits": "d1#f-3203", "debt_securities_in_issue": "d1#f-3235", "subordinated_loans": "d1#f-3239", "total_liabilities": "d1#f-3243", "shareholders_equity": "d1#f-3257", "noncontrolling_interests": "d1#f-3259", "total_equity": "d1#f-3261" }, "regulatory_capital": { "available_cet1_capital": "d1#f-9954", "risk_weighted_assets": "d1#f-9968" }, "key_metrics": { "dividend_per_share_in_respect_of_year": "d1#f-5650" } }, { "period_end": "2024-12-31", "income_statement": { "total_interest_income": "d1#f-3280", "net_interest_income": "d1#f-3304", "net_fee_and_commission_income": "d1#f-3319", "valuation_results_and_net_trading_income": "d1#f-3328", "investment_income": "d1#f-3331", "share_of_result_from_associates_and_joint_ventures": "d1#f-3334", "total_income": "d1#f-3349", "addition_to_loan_loss_provisions": "d1#f-3580", "staff_expenses": "d1#f-3277", "other_operating_expenses": "d1#f-3283", "total_expenses_including_loan_loss_provisions": "d1#f-3286", "result_before_tax": "d1#f-3574", "taxation": "d1#f-3301", "net_result_including_noncontrolling_interests": "d1#f-3462", "net_result_attributable_to_noncontrolling_interests": "d1#f-3316", "net_income_attributable_to_shareholders": "d1#f-3322", "basic_eps": "d1#f-3346", "diluted_eps": "d1#f-3352", "other_net_income": "d1#f-3343", "total_interest_expense": "d1#f-3298" }, "shares": { "weighted_average_basic_shares": "d1#f-5600", "weighted_average_diluted_shares": "d1#f-5600" }, "ifrs_eu_reconciliation": { "ifrs_eu_net_result_attributable_to_shareholders": "d1#f-3804", "ifrs_eu_shareholders_equity": "d1#f-3820", "carve_out_equity_adjustment_after_tax": "d1#f-3829", "carve_out_adjustment_after_tax": "d1#f-3813" }, "cash_flow": { "net_cash_from_financing_activities": "d1#f-3685", "cash_and_cash_equivalents_end_of_period": "d1#f-3690", "purchases_of_property_and_equipment": "d1#f-3640", "net_cash_from_operating_activities": "d1#f-3628", "net_cash_from_investing_activities": "d1#f-3661", "purchases_of_treasury_shares": "d1#f-3679", "dividends_and_other_cash_distributions_paid": "d1#f-3682", "net_cash_flow": "d1#f-3688" }, "balance_sheet": { "cash_and_balances_with_central_banks": "d1#f-110", "loans_and_advances_to_banks": "d1#f-3202", "financial_assets_at_fair_value_through_oci": "d1#f-3222", "securities_at_amortised_cost": "d1#f-3226", "loans_and_advances_to_customers": "d1#f-3230", "total_assets": "d1#f-3264", "deposits_from_banks": "d1#f-3200", "customer_deposits": "d1#f-3204", "debt_securities_in_issue": "d1#f-3236", "subordinated_loans": "d1#f-3240", "total_liabilities": "d1#f-3244", "shareholders_equity": "d1#f-3258", "noncontrolling_interests": "d1#f-3260", "total_equity": "d1#f-3262" }, "regulatory_capital": { "available_cet1_capital": "d1#f-9955", "risk_weighted_assets": "d1#f-9969" }, "key_metrics": { "dividend_per_share_in_respect_of_year": "d1#f-5644" } }, { "period_end": "2023-12-31", "income_statement": { "total_interest_income": "d1#f-3281", "net_interest_income": "d1#f-3305", "net_fee_and_commission_income": "d1#f-3320", "investment_income": "d1#f-3332", "share_of_result_from_associates_and_joint_ventures": "d1#f-3335", "total_income": "d1#f-3350", "addition_to_loan_loss_provisions": "d1#f-3581", "staff_expenses": "d1#f-3278", "other_operating_expenses": "d1#f-3284", "total_expenses_including_loan_loss_provisions": "d1#f-3287", "result_before_tax": "d1#f-3575", "taxation": "d1#f-3302", "net_result_including_noncontrolling_interests": "d1#f-3526", "net_result_attributable_to_noncontrolling_interests": "d1#f-3317", "net_income_attributable_to_shareholders": "d1#f-3323", "basic_eps": "d1#f-3347", "diluted_eps": "d1#f-3353", "other_net_income": "d1#f-3344", "total_interest_expense": "d1#f-3299", "valuation_results_and_net_trading_income": "d1#f-3329" }, "shares": { "weighted_average_basic_shares": "d1#f-5601", "weighted_average_diluted_shares": "d1#f-5622" }, "ifrs_eu_reconciliation": { "ifrs_eu_net_result_attributable_to_shareholders": "d1#f-3805", "carve_out_adjustment_after_tax": "d1#f-3801" }, "cash_flow": { "net_cash_from_financing_activities": "d1#f-3686", "cash_and_cash_equivalents_end_of_period": "d1#f-3691", "purchases_of_property_and_equipment": "d1#f-3641", "net_cash_from_operating_activities": "d1#f-3629", "net_cash_from_investing_activities": "d1#f-3662", "purchases_of_treasury_shares": "d1#f-3680", "dividends_and_other_cash_distributions_paid": "d1#f-3683", "net_cash_flow": "d1#f-3689" }, "key_metrics": { "dividend_per_share_in_respect_of_year": "d1#f-5638" } } ] } }