Subordinated loans |
12 Months Ended | ||||||||||||
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Dec. 31, 2025 | |||||||||||||
| Subordinated liabilities [abstract] | |||||||||||||
| Subordinated loans | 18 Subordinated loans
Subordinated loans are bonds issued by ING Groep N.V. and its subsidiaries to raise Tier 1 and Tier 2 (CRR-eligible) capital. Under IFRS these securities are classified as liabilities, and for regulatory purposes they are considered as capital. In 2025 ING Groep N.V. issued EUR 1.25 billion 4.13% Fixed Rate Subordinated Green Tier 2 Notes in May, EUR 1.25 billion 3.88% Fixed Rate Subordinated Tier 2 Notes in August and USD 1.50 billion 7.00% Perpetual AT1 Contingent Convertible Capital Securities in September. In 2025 ING Groep N.V. redeemed EUR 750 million 2.00% Fixed Subordinated Tier 2 notes in March, USD 1.25 billion 6.50% Perpetual AT1 Contingent Convertible Capital Securities in April and EUR 1 billion 1.00% Fixed Subordinated Tier 2 notes in November. Reference is made to the Consolidated statement of cash flows for further information on issuances and redemptions.
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