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