v3.25.4
Equity (Tables)
 12 Months Ended
Dec. 31, 2025
Equity [abstract]  
Summary of equity
Total equity
In EUR million
2025
2024
2023
Share capital and share premium
            -  Share capital
30
31
35
            -  Share premium
17,116
17,116
17,116
17,147
17,148
17,151
Other reserves
            -  Revaluation reserve: Equity securities at FVOCI
1,444
1,816
1,152
            -  Revaluation reserve: Debt instruments at FVOCI
-41
-479
-280
            -  Revaluation reserve: Cash flow hedge
-1,096
-1,693
-2,058
            -  Revaluation reserve: Credit liability
-49
-15
31
            -  Revaluation reserve: Property in own use
156
161
178
            -  Net defined benefit asset/liability remeasurement reserve
-345
-333
-317
            -  Currency translation reserve
-2,774
-1,986
-2,527
            -  Share of associates and joint ventures and other reserves
2,031
2,607
3,047
            -  Treasury shares
-2,404
-765
-1,994
-3,080
-687
-2,767
Retained earnings
40,016
36,243
40,299
Shareholders’ equity (parent)
54,083
52,703
54,684
Non-controlling interests
1,255
995
944
Total equity
55,339
53,698
55,628
Schedule of share capital
Share capital
Ordinary shares (par value EUR 0.01)
Number x 1,000
In EUR million
2025
2024
2023
2025
2024
2023
Authorised share capital
9,142,000
9,142,000
9,142,000
91
91
91
Unissued share capital
6,120,457
5,994,609
5,643,806
61
60
56
Issued share capital
3,021,543
3,147,391
3,498,194
30
31
35
Reserves and other equity interest
Changes in issued share capital
Ordinary shares (par value EUR 0.01)
Number x 1,000
In EUR million
Issued share capital as at 31 December 2022
3,726,539
37
Issue of shares
5
Cancellation of shares
-228,350
-2
Issued share capital as at 31 December 2023
3,498,194
35
Cancellation of shares
-350,803
-4
Issued share capital as at 31 December 2024
3,147,391
31
Cancellation of shares
-125,848
-1
Issued share capital as at 31 December 2025
3,021,543
30
Changes in revaluation reserve: Equity securities and Debt instruments at FVOCI
Equity securities at FVOCI
Debt instruments at FVOCI
In EUR million
2025
2024
2023
2025
2024
2023
Opening balance
1,816
1,152
1,187
-479
-280
-341
Unrealised revaluations
-366
664
-35
459
-261
53
Realised gains/losses transferred to
the statement of profit or loss
-21
62
9
Realised revaluations transferred to
retained earnings
-6
1
Closing balance
1,444
1,816
1,152
-41
-479
-280
Changes in cash flow hedge and credit liability reserve
Cash flow hedge
Credit liability
In EUR million
2025
2024
2023
2025
2024
2023
Opening balance
-1,693
-2,058
-3,055
-15
31
70
Changes in credit liability reserve
-34
-46
-39
Unrealised revaluations
597
365
997
Closing balance
-1,096
-1,693
-2,058
-49
-15
31
Changes in Property in own use reserve
In EUR million
2025
2024
2023
Opening balance
161
178
176
Unrealised revaluations
7
3
10
Realised revaluations transferred to retained earnings
-12
-20
-8
Closing balance
156
161
178
Changes in currency translation reserve
In EUR million
2025
2024
2023
Opening balance
-1,986
-2,527
-2,395
Unrealised revaluations
637
-222
183
Realised gains/losses transferred to the statement of profit or loss
1
Exchange rate differences
-1,425
763
-316
Closing balance
-2,774
-1,986
-2,527
Changes in share of associates, joint ventures and other reserves
In EUR million
2025
2024
2023
Opening balance
2,607
3,047
3,603
Result for the year
14
125
336
Transfer to/from retained earnings
-590
-565
-892
Closing balance
2,031
2,607
3,047
Changes in treasury shares
In EUR million
Number x 1,000
2025
2024
2023
2025
2024
2023
Opening balance
-765
-1,994
-1,205
51,117
154,571
107,395
Purchased/sold for trading purposes
6
2
-7
-480
-211
464
Purchased under staff share plans
-64
-43
-42
3,674
3,319
3,156
Distributed under staff share plans
60
43
41
-3,460
-3,343
-3,106
Purchased under Share buyback programme
-3,641
-3,774
-3,482
194,102
247,584
275,013
Cancelled under Share buyback programme
2,000
5,000
2,701
-125,848
-350,803
-228,350
Closing balance
-2,404
-765
-1,994
119,105
51,117
154,571
Changes in retained earnings
In EUR million
2025
2024
2023
Opening balance
36,243
40,299
41,538
Impact on opening balance1
-45
Transfer to/from other reserves
616
585
899
Result for the year
8,310
5,209
3,804
Dividend and other distributions
-3,691
-4,124
-2,668
Employee share plans
-8
1
-7
Share buybacks and other changes
-1,453
-5,728
-3,222
Closing balance
40,016
36,243
40,299
1In 2023, changes in policy following the adoption of IFRS 17 and change in policy for non-financial guarantees.
Non-distributable reserves
In EUR million
2025
2024
2023
ING Bank
6,225
5,672
6,727
Other
0
0
0
Non-distributable reserves
6,225
5,672
6,727
The following table shows the movement of the cash flow hedge reserve:
Movement cash flow hedge reserve
in EUR million
2025
2024
Opening balance
-1,693
-2,058
Value changes recognised in OCI
799
743
Amounts recycled to profit or loss
149
-209
Income tax
-175
-140
Exchange rate and other changes
-12
-14
Adjustment for non controlling interest
-163
-14
Movement for the year
597
365
Ending balance
-1,096
-1,693