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Loans and advances to customers | 12 Months Ended
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Dec. 31, 2024
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 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023
Loans and advances to public authorities | 1,888 |  | 1,070 |  | 16,773 |  | 13,314 |  | 18,661 |  | 14,384 |
Residential mortgages | 119,191 |  | 112,145 |  | 229,403 |  | 217,361 |  | 348,594 |  | 329,506 |
Other personal lending | 5,007 |  | 5,036 |  | 31,789 |  | 31,535 |  | 36,797 |  | 36,571 |
Corporate Lending | 66,921 |  | 62,677 |  | 218,473 |  | 209,795 |  | 285,393 |  | 272,472 |
| 193,007 |  | 180,928 |  | 496,437 |  | 472,005 |  | 689,445 |  | 652,933 |
Loan loss provisions | -811 |  | -830 |  | -5,023 |  | -4,791 |  | -5,833 |  | -5,621 |
| 192,197 |  | 180,099 |  | 491,415 |  | 467,214 |  | 683,611 |  | 647,313 |
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 2024 EUR 683,398 million (2023: EUR 647,120 million) of loans and advances to customers are non-subordinated. Loans and advances to customers and, to a lesser extent, to banks include finance lease receivables which are detailed as follows:
Finance lease receivables 1
in EUR million | 2024 | 2023
Maturities of gross investment in finance lease receivables |  |
- within 1 year | 3,962 |  | 3,827 |
- between 1-2 years | 2,961 |  | 2,742 |
- between 2-3 years | 2,283 |  | 2,133 |
- between 3-4 years | 1,577 |  | 1,475 |
- between 4-5 years | 902 |  | 875 |
- more than 5 years | 1,555 |  | 1,451 |
| 13,240 |  | 12,503 |
Unearned future finance income on finance leases | -1,145 |  | -1,040 |
Net investment in finance leases | 12,095 |  | 11,463 |
Included in Loans and advances to banks | 5 |  | 5 |
Included in Loans and advances to customers | 12,091 |  | 11,459 |
| 12,095 |  | 11,463 |
1 The total loan loss provision for finance lease receivables is EUR 193 million (2023: EUR 160 million). The finance lease receivables mainly relate to the financing of equipment and real estate for third parties where ING is the lessor and are mainly part of corporate lending. Interest income in 2024 on finance lease receivables amounts to EUR 522 million (2023: EUR 429 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 2024-01-01 -Paragraph 10 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_10_e&doctype=Standard -URIDate 2024-03-27 + Details
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