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Other operating expenses | 12 Months Ended
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Dec. 31, 2023
Other operating expenses [Abstract] |
Other operating expenses | 26 Other operating expenses
Other operating expenses
in EUR million | 2023 | 2022 | 2021
Regulatory costs | 1,042 | 1,250 | 1,265
Audit and non-audit services | 36 | 31 | 34
IT related expenses | 948 | 818 | 781
Advertising and public relations | 369 | 331 | 305
External advisory fees | 299 | 310 | 301
Office expenses | 289 | 273 | 281
Travel and accommodation expenses | 125 | 91 | 52
Contributions and subscriptions | 122 | 109 | 112
Postal charges | 36 | 31 | 38
Depreciation of property and equipment | 461 | 485 | 573
Amortisation of intangible assets | 213 | 226 | 261
(Reversals of) impairments of property and equipment | 32 | 19 | 26
(Reversals of) impairments of intangible assets | 6 | 60 | 95
Addition to / (unused amounts reversed of) provision for reorganisations | 173 | 170 | 214
Addition to / (unused amounts reversed of) other provisions | 70 | 117 | 254
Other | 617 | 726 | 658
| 4,839 | 5,047 | 5,251
Reference is made to Note 9 'Property and equipment' for (reversals of) impairments of property and equipment and Note 10 'Intangible assets' for (reversals of) impairments of intangible assets. For further information on addition to (unused amounts reversed of) provision for reorganisations refer to Note 15 'Provisions' and for further information on addition to (unused amounts reversed of) other provisions refer to Note 15 'Provisions' and Note 42 'Legal proceedings'. Regulatory costs Regulatory costs represent contributions to the Deposit Guarantee Schemes (DGS), the Single Resolution Fund (SRF), local bank taxes and local resolution funds. Included in Regulatory costs for 2023, are contributions to DGS of EUR 320 million (2022: EUR 425 million; 2021: EUR 435 million) mainly related to the Netherlands, Germany, Belgium and Poland and contributions to the SRF and local resolution funds of EUR 251 million (2022: EUR 354 million; 2021: EUR 308 million). In 2023 local bank taxes increased by EUR 1 million from EUR 470 million in 2022 to EUR 472 million (2021: EUR 522 million). In 2022, ING Bank Slaski, together with seven other Polish banks, established an Institutional Protection Scheme (IPS). The fund can be used to ensure the liquidity and solvency of each of its participants, and to assist in the resolution of participating and non-participating banks. The contribution by ING amounts to EUR nil for 2023 (2022: EUR 99 million and is recognized as regulatory costs (DGS).

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- Definition The disclosure of other operating expense. [Refer: Other operating income (expense)] + 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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