ING Groep Balance Sheet Health
Financial Health criteria checks 4/6
ING Groep has total assets of €1,049.5B and total equity of €52.2B. Total deposits are €715.1B, and total loans are €691.4B earning a Net Interest Margin of 1.9%. It has insufficient allowance for bad loans, which are currently at 1.9% of total loans. Cash and short-term investments are €179.8B.
Key information
20.1x
Asset to equity ratio
1.9%
Net interest margin
| Total deposits | €715.06b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.9% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | €179.79b |
Recent financial health updates
No updates
Recent updates
ING Groep: Big Shareholder Yield, Sluggish EPS Growth, Downbeat P/E
Nov 28ING Groep: Mixed Q3 But Welcome Progress On Capital Returns
Oct 31ING Groep: There Are Better Income Alternatives In The European Banking Sector
Aug 21With Rate Cycle Benefits In The Rearview Mirror, Further Progress At ING Groep Will Be Harder
Jul 15ING Groep: Strong Capital Returns Ahead
May 03ING: Still Too Cheap Despite Disappointing Results
Feb 02ING Groep: Options Can Boost Your Returns As The ECB Is Set To Cut Rates
Jan 24ING Groep: A European Dividend Standout, Buying Back Stock
Dec 24Dutch Bank ING Groep Roars With Strong Buy Rating And 5.4% Dividend Yield
Nov 21ING Groep: The Market Is Skeptical Of Its Earnings Power
Sep 01ING Groep Is Another Buy Opportunity
Jun 22ING Groep: High-Dividend Yield Stock For Income Investors
May 26ING Group reports Q4 results
Feb 02ING Group goes ex dividend tomorrow
Jan 12ING Groep: Low Valuation, Decent Growth, Solid Yield, And A Bullish Chart.
Dec 22Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ING's Assets to Equity ratio (20.1x) is very high.
Allowance for Bad Loans: ING has a low allowance for bad loans (46%).
Low Risk Liabilities: 72% of ING's liabilities are made up of primarily low risk sources of funding.
Loan Level: ING has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: ING's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: ING has an appropriate level of bad loans (1.9%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/06 20:24 |
| End of Day Share Price | 2025/01/03 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
ING Groep N.V. is covered by 63 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Wim Gille | ABN AMRO Bank N.V. |
| Maria del Paz Ojeda Fernandez | Ahorro Corporación |
| Pierre-Yves Gauthier | AlphaValue |