v3.25.4
Liabilities and off-balance sheet commitments by maturity - Schedule of maturity of financial and non-financial liabilities (Details) - EUR (€)
€ in Millions
Dec. 31, 2025
Dec. 31, 2024
Financial liabilities at fair value through profit or loss    
Deposits from banks € 18,517 € 16,723
Customer deposits 721,373 691,661
–  Other trading liabilities 2,745 9,089
–  Trading derivatives 20,681 26,166
– Non-trading derivatives 1,338 2,101
– Designated as at fair value through profit or loss 55,768 49,543
Debt securities in issue 151,231 142,367
Subordinated loans 18,100 17,878
Lease liabilities 1,050 1,116
Financial liabilities 990,803 956,646
Other liabilities 14,187 13,512
Total liabilities 1,004,990 970,158
Coupon interest due on financial liabilities 25,754 28,632
Commitments 44,472 43,296
Guarantees issued by ING Groep N.V. 185 210
Irrevocable facilities 200,198 175,222
Contingent liabilities and commitments 244,855 218,728
–  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments 29,242 26,908
–  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments 15,230 16,388
Less than 1 month    
Financial liabilities at fair value through profit or loss    
Deposits from banks 10,303 9,104
Customer deposits 649,785 610,184
–  Other trading liabilities 704 5,790
–  Trading derivatives 2,509 2,631
– Non-trading derivatives 170 419
– Designated as at fair value through profit or loss 39,279 32,644
Debt securities in issue 3,300 1,949
Subordinated loans
Lease liabilities 15 20
Financial liabilities 706,066 662,741
Other liabilities 7,790 7,718
Total liabilities 713,856 670,459
Coupon interest due on financial liabilities 1,914 2,284
Guarantees issued by ING Groep N.V. 185 210
Irrevocable facilities 200,000 175,000
Contingent liabilities and commitments 244,105 217,953
Less than 1 month | –  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments 28,690 26,355
Less than 1 month | –  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments 15,230 16,388
1 to 3 months    
Financial liabilities at fair value through profit or loss    
Deposits from banks 2,433 1,367
Customer deposits 26,346 23,312
–  Other trading liabilities 48 230
–  Trading derivatives 2,290 2,367
– Non-trading derivatives 199 57
– Designated as at fair value through profit or loss 6,980 5,842
Debt securities in issue 18,814 18,610
Subordinated loans
Lease liabilities 34 44
Financial liabilities 57,144 51,829
Other liabilities 843 530
Total liabilities 57,986 52,359
Coupon interest due on financial liabilities 1,358 1,603
Guarantees issued by ING Groep N.V.
Irrevocable facilities 39 9
Contingent liabilities and commitments 39 9
1 to 3 months | –  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments
1 to 3 months | –  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments
3-12 months    
Financial liabilities at fair value through profit or loss    
Deposits from banks 2,392 2,085
Customer deposits 37,769 49,284
–  Other trading liabilities 110 313
–  Trading derivatives 4,604 3,730
– Non-trading derivatives 229 (36)
– Designated as at fair value through profit or loss 937 1,798
Debt securities in issue 40,682 33,037
Subordinated loans
Lease liabilities 172 162
Financial liabilities 86,894 90,375
Other liabilities 2,980 3,371
Total liabilities 89,874 93,745
Coupon interest due on financial liabilities 4,334 5,903
Guarantees issued by ING Groep N.V.
Irrevocable facilities 6 15
Contingent liabilities and commitments 6 15
3-12 months | –  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments
3-12 months | –  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments
1-5 years    
Financial liabilities at fair value through profit or loss    
Deposits from banks 1,737 1,637
Customer deposits 3,618 4,448
–  Other trading liabilities 1,028 1,325
–  Trading derivatives 7,508 7,641
– Non-trading derivatives 304 711
– Designated as at fair value through profit or loss 4,112 5,097
Debt securities in issue 55,199 55,221
Subordinated loans
Lease liabilities 574 607
Financial liabilities 74,079 76,688
Other liabilities 2,021 1,423
Total liabilities 76,100 78,111
Coupon interest due on financial liabilities 10,400 10,191
Guarantees issued by ING Groep N.V.
Irrevocable facilities 77 143
Contingent liabilities and commitments 629 146
1-5 years | –  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments 552 3
1-5 years | –  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments
More than 5 years    
Financial liabilities at fair value through profit or loss    
Deposits from banks 1,617 2,484
Customer deposits 2,049 2,081
–  Other trading liabilities 610 1,465
–  Trading derivatives 2,459 5,499
– Non-trading derivatives 128 149
– Designated as at fair value through profit or loss 4,560 4,367
Debt securities in issue 34,522 34,857
Subordinated loans 10,612 9,962
Lease liabilities 304 328
Financial liabilities 56,862 61,191
Other liabilities 553 470
Total liabilities 57,415 61,661
Coupon interest due on financial liabilities 7,275 8,137
Guarantees issued by ING Groep N.V.
Irrevocable facilities 76 56
Contingent liabilities and commitments 76 606
More than 5 years | –  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments 550
More than 5 years | –  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments
Maturity not applicable    
Financial liabilities at fair value through profit or loss    
Deposits from banks
Customer deposits
–  Other trading liabilities
–  Trading derivatives
– Non-trading derivatives
– Designated as at fair value through profit or loss 36 34
Debt securities in issue
Subordinated loans 7,627 8,415
Lease liabilities
Financial liabilities 7,663 8,448
Other liabilities
Total liabilities 7,663 8,448
Coupon interest due on financial liabilities 474 514
Guarantees issued by ING Groep N.V.
Irrevocable facilities
Contingent liabilities and commitments
Maturity not applicable | –  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments
Maturity not applicable | –  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments
Adjustment    
Financial liabilities at fair value through profit or loss    
Deposits from banks 34 47
Customer deposits 1,805 2,352
–  Other trading liabilities 247 (34)
–  Trading derivatives 1,311 4,298
– Non-trading derivatives 309 801
– Designated as at fair value through profit or loss (136) (239)
Debt securities in issue (1,285) (1,307)
Subordinated loans (140) (499)
Lease liabilities (50) (45)
Financial liabilities 2,095 5,374
Other liabilities
Total liabilities 2,095 5,374
Coupon interest due on financial liabilities
Guarantees issued by ING Groep N.V.
Irrevocable facilities
Contingent liabilities and commitments
Adjustment | –  Guarantees    
Financial liabilities at fair value through profit or loss    
Commitments
Adjustment | –  Irrevocable letters of credit    
Financial liabilities at fair value through profit or loss    
Commitments