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Liabilities and off-balance sheet commitments by maturity | 12 Months Ended
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Dec. 31, 2023
Liabilities and off-balance sheet commitments by maturity [abstract] |
Liabilities and off-balance sheet commitments by maturity | 38 Liabilities and off-balance sheet commitments by maturity The tables below include all liabilities and off-balance sheet commitments by maturity based on contractual, undiscounted cash flows. These balances are included in the maturity analysis as follows: •Perpetual liabilities are included in the column ‘Maturity not applicable’. •Derivative liabilities are included on a net basis if cash flows are settled net. For other derivative liabilities the contractual gross cash flow payable is included. •Undiscounted future coupon interest on financial liabilities payable is included in a separate line and in the relevant maturity bucket. •Non-financial liabilities are included based on a breakdown of the amounts per statement of financial position, per expected maturity. •Loans and other credit-related commitments are classified on the basis of the earliest date they can be drawn down. ING Group’s expected cash flows on some financial liabilities vary significantly from contractual cash flows. Principal differences are in demand deposits from customers that are expected to remain stable or increase and in unrecognised loan commitments that are not all expected to be drawn down immediately. Reference is made to the liquidity risk paragraph in ‘Risk Management – Funding and liquidity risk’ for a description on how liquidity risk is managed.
Liabilities and off-balance sheet commitments by maturity
in EUR million |  |  |  |  |  |  |  |
2023 | Less than 1 month 1 | 1–3 months | 3–12 months | 1–5 years | Over 5 years | Maturity not applicable | Adjustment 2 | Total
Deposits from banks | 9,294 | 7,800 | 2,074 | 1,898 | 2,002 |  | 189 | 23,257
Customer deposits | 583,335 | 19,510 | 40,976 | 3,585 | 1,931 |  | 939 | 650,276
Financial liabilities at fair value through profit or loss |  |  |  |  |  |  |  |
– Other trading liabilities | 10,981 | 697 | 545 | 1,003 | 897 |  | -36 | 14,087
– Trading derivatives | 2,292 | 2,243 | 5,148 | 10,204 | 7,110 |  | -3,865 | 23,132
– Non-trading derivatives | 505 | 96 | 139 | 1,002 | 355 |  | -78 | 2,019
– Designated at fair value through profit or loss | 29,856 | 12,754 | 5,442 | 3,834 | 3,546 | 25 | -57 | 55,400
Debt securities in issue | 3,442 | 10,801 | 34,882 | 47,134 | 31,196 |  | -2,786 | 124,670
Subordinated loans |  |  |  |  | 9,104 | 6,988 | -691 | 15,401
Lease liabilities | 17 | 45 | 175 | 627 | 359 |  | -61 | 1,162
Financial liabilities | 639,722 | 53,946 | 89,381 | 69,286 | 56,500 | 7,014 | -6,446 | 909,403
Other liabilities 3 | 9,739 | 619 | 2,829 | 1,662 | 420 |  |  | 15,268
Total liabilities | 649,462 | 54,565 | 92,209 | 70,948 | 56,920 | 7,014 | -6,446 | 924,671
Coupon interest due on financial liabilities | 1,047 | 1,653 | 6,014 | 10,007 | 5,030 | 402 |  | 24,153
Contingent liabilities in respect of |  |  |  |  |  |  |  |
– Discounted bills | 2 |  |  |  |  |  |  | 2
– Guarantees | 27,340 |  |  | 4 | 550 |  |  | 27,894
– Irrevocable letters of credit | 14,925 |  |  |  |  |  |  | 14,925
Guarantees issued by ING Groep N.V. | 197 |  |  |  |  |  |  | 197
Irrevocable facilities | 166,361 | 12 | 63 | 314 | 60 |  |  | 166,810
| 208,825 | 12 | 63 | 318 | 610 |  |  | 209,828
1 Includes liabilities on demand. 2 This 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). 3 Includes 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 |  |  |  |  |  |  |  |
2022 | Less than 1 month 1 | 1–3 month | 3–12 months | 1–5 years | Over 5 years | Maturity not applicable | Adjustment 2 | Total
Deposits from banks | 10,053 | 2,238 | 33,268 | 9,878 | 1,794 |  | -598 | 56,632
Customer deposits | 605,154 | 16,127 | 15,045 | 2,729 | 1,872 |  | -128 | 640,799
Financial liabilities at fair value through profit or loss |  |  |  |  |  |  |  |
– Other trading liabilities | 5,778 | 875 | 304 | 771 | 575 |  | -83 | 8,219
– Trading derivatives | 2,100 | 2,319 | 4,942 | 9,330 | 3,609 |  | 8,570 | 30,869
– Non-trading derivatives | 345 | 288 | 216 | 1,204 | 470 |  | 525 | 3,048
– Designated at fair value through profit or loss | 31,505 | 11,472 | 1,626 | 3,177 | 3,701 | 22 | -620 | 50,883
Debt securities in issue | 2,049 | 11,227 | 23,187 | 30,769 | 34,335 |  | -5,648 | 95,918
Subordinated loans |  |  | 760 |  | 9,936 | 6,307 | -1,218 | 15,786
Lease liabilities | 19 | 43 | 170 | 593 | 377 |  | -28 | 1,174
Financial liabilities | 657,001 | 44,588 | 79,518 | 58,451 | 56,669 | 6,329 | 771 | 903,328
Other liabilities 3 | 9,913 | 683 | 2,466 | 3,033 | 406 |  |  | 16,502
Total liabilities | 666,914 | 45,271 | 81,984 | 61,485 | 57,075 | 6,329 | 771 | 919,829
Coupon interest due on financial liabilities | 430 | 714 | 3,132 | 6,346 | 3,208 | 347 |  | 14,175
Contingent liabilities in respect of |  |  |  |  |  |  |  |
– Discounted bills |  |  |  |  |  |  |  |
– Guarantees | 28,304 |  |  | 4 | 550 |  |  | 28,859
– Irrevocable letters of credit | 15,660 | 19 | 3 |  |  |  |  | 15,682
– other |  |  |  |  | 3 |  |  | 3
Guarantees issued by ING Groep N.V. | 336 |  |  |  |  |  |  | 336
Irrevocable facilities 4 | 161,147 |  | 194 | 434 | 166 |  |  | 161,940
| 205,447 | 19 | 197 | 438 | 719 |  |  | 206,820
1 Includes liabilities on demand. 2 This 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). 3 Includes Other liabilities, Current and deferred tax liabilities, and Provisions as presented in the Consolidated statement of financial position.

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