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Loans and advances to customers | 12 Months Ended
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Dec. 31, 2023
Loans and advances to customers [abstract] |
Loans and advances to customers | 7 Loans and advances to customers
Loans and advances to customers by type
| Netherlands | Rest of the world | Total
in EUR million | 2023 | 2022 | 2023 | 2022 | 2023 | 2022
Loans and advances to public authorities | 1,070 | 837 | 13,314 | 11,840 | 14,384 | 12,677
Residential mortgages | 112,145 | 110,017 | 217,361 | 212,833 | 329,506 | 322,850
Other personal lending | 5,036 | 5,835 | 31,535 | 30,345 | 36,571 | 36,180
Corporate Lending | 62,677 | 68,077 | 209,795 | 211,092 | 272,472 | 279,169
| 180,928 | 184,766 | 472,005 | 466,111 | 652,933 | 650,876
Loan loss provisions | -830 | -993 | -4,791 | -4,990 | -5,621 | -5,984
| 180,099 | 183,772 | 467,214 | 461,120 | 647,313 | 644,893
For details on credit quality and loan loss provisioning, refer to ‘Risk management – Credit risk’ paragraphs ‘Credit quality’ and 'Loan loss provisioning'. As at 31 December 2023 EUR 647,120 million (2022: EUR 644,697 million) of loans and advances to customers are non-subordinated. Loans and advances to customers and to banks include finance lease receivables and are detailed as follows:
Finance lease receivables 1
in EUR million | 2023 | 2022
Maturities of gross investment in finance lease receivables |  |
- within 1 year | 3,827 | 3,452
- between 1-2 years | 2,742 | 2,463
- between 2-3 years | 2,133 | 1,870
- between 3-4 years | 1,475 | 1,294
- between 4-5 years | 875 | 747
- more than 5 years | 1,451 | 1,423
| 12,503 | 11,251
Unearned future finance income on finance leases | -1,040 | -792
Net investment in finance leases | 11,463 | 10,459
Included in Loans and advances to banks | 5 | 6
Included in Loans and advances to customers | 11,459 | 10,453
| 11,463 | 10,459
1 The total loan loss provision of EUR 160 million (2022: EUR 160 million) for finance lease receivables is classified into the following loan loss provision stages: Stage 1: EUR 6 million (2022: EUR 9 million), Stage 2: EUR 14 million (2022: EUR 28 million) and Stage 3: EUR 139 million (2022: EUR 123 million). The finance lease receivables mainly relate to the financing of equipment and real estate and are mainly part of corporate lending. To a lesser extent, the finance lease receivables relate to real estate for third parties, where ING is the lessor. Interest income in 2023 on finance lease receivables amounts to EUR 429 million (2022: EUR 292 million).

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- Definition The disclosure of loans and advances to customers. [Refer: Loans and advances to customers] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2023-01-01 -Paragraph 10 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2023-en-r&anchor=para_10_e&doctype=Standard -URIDate 2023-03-23 + Details
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