v3.25.4
Property and equipment
 12 Months Ended
Dec. 31, 2025
Disclosure of detailed information about property, plant and equipment [abstract]  
Property and equipment 9  Property and equipment
Property and equipment by type
in EUR million
2025
2024
Property in own use
863
758
Equipment:
- Data processing equipment
197
218
- Other equipment
447
426
Right- of- use assets:
- ROU property
837
895
- ROU cars
123
124
- ROU other leases
12
13
2,478
2,434
Changes in property and equipment
Property in own use
Equipment
Right-of-use assets
Total
in EUR million
2025
2024
2025
2024
2025
2024
2025
2024
Opening balance as at 1 January
758
616
643
705
1,033
1,078
2,434
2,399
Additions
147
92
203
240
160
141
510
473
Transfers
-15
83
11
-78
-4
-3
1
Depreciation
-11
-11
-194
-204
-237
-242
-442
-457
Impairments1
-8
-9
-6
-10
-3
-4
-16
-23
Reversals of impairments 1
6
5
7
5
Remeasurements
15
5
40
75
56
80
Disposals
-28
-36
-11
-14
-10
-18
-48
-68
Exchange rate differences
-3
13
-3
5
-12
8
-18
25
Closing balance
863
758
644
643
972
1,033
2,478
2,434
Cost price
994
871
2,827
3,027
1,982
1,933
5,803
5,831
Accumulated depreciation
-299
-298
-2,176
-2,376
-1,237
-1,098
-3,712
-3,772
Accumulated impairments
-95
-97
-7
-8
-31
-31
-134
-136
Accumulated revaluation surplus
264
282
264
282
Accumulated remeasurement
258
229
258
229
Net carrying value
863
758
644
643
972
1,033
2,478
2,434
1Impairments and reversals of impairments of property and equipment are presented as Other operating expenses in the statement of Profit or Loss.
ING considers valuations from third-party experts in determining the fair values of property in own use. The vast
majority of the land and buildings were appraised during 2025. Property in own use purchase costs amounted to
EUR 994 million (2024: EUR 871 million). Cost or the purchase price less accumulated depreciation and
impairments would have been EUR 599 million (2024: EUR  476 million) had property in own use been valued at
cost instead of at fair value.