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v3.25.0.1

Property and equipment | 12 Months Ended
--- | ---
Dec. 31, 2024
Disclosure of detailed information about property, plant and equipment [abstract] |
Property and equipment | 9 Property and equipment
Property and equipment by type |  |
in EUR million | 2024 | 2023
Property in own use | 758 |  | 616 |
Equipment: |  |
- Data processing equipment | 218 |  | 213 |
- Other equipment | 426 |  | 492 |
Right- of- use assets: |  |
- ROU property | 895 |  | 972 |
- ROU cars | 124 |  | 97 |
- ROU other leases | 13 |  | 9 |
| 2,434 |  | 2,399 |
Changes in property and equipment |  |  |  |  |
| Property in own use | Equipment | Right-of-use assets | Total
in EUR million | 2024 | 2023 | 2024 | 2023 | 2024 | 2023 | 2024 | 2023
Opening balance as at 1 January | 616 |  | 681 |  | 705 |  | 689 |  | 1,078 |  | 1,076 |  | 2,399 |  | 2,446 |
Additions | 92 |  | 4 |  | 240 |  | 241 |  | 141 |  | 279 |  | 473 |  | 525 |
Transfers | 83 |  | -1 |  | -78 |  | -4 |  | -4 |  | -4 |  | 1 |  | -9 |
Depreciation | -11 |  | -12 |  | -204 |  | -204 |  | -242 |  | -246 |  | -457 |  | -461 |
Impairments 1 | -9 |  | -19 |  | -10 |  | -10 |  | -4 |  | -12 |  | -23 |  | -41 |
Reversals of impairments 1 | 5 |  | 10 |  |  |  |  |  |  |  |  |  | 5 |  | 10 |
Remeasurements | 5 |  | 4 |  |  |  |  |  | 75 |  | 9 |  | 80 |  | 13 |
Disposals | -36 |  | -47 |  | -14 |  | -10 |  | -18 |  | -20 |  | -68 |  | -78 |
Exchange rate differences | 13 |  | -4 |  | 5 |  | 4 |  | 8 |  | -4 |  | 25 |  | -5 |
Closing balance | 758 |  | 616 |  | 643 |  | 705 |  | 1,033 |  | 1,078 |  | 2,434 |  | 2,399 |
Cost price | 871 |  | 753 |  | 3,027 |  | 3,140 |  | 1,933 |  | 1,851 |  | 5,831 |  | 5,744 |
Accumulated depreciation | -298 |  | -305 |  | -2,376 |  | -2,430 |  | -1,098 |  | -904 |  | -3,772 |  | -3,639 |
Accumulated impairments | -97 |  | -99 |  | -8 |  | -6 |  | -31 |  | -32 |  | -136 |  | -136 |
Accumulated revaluation surplus | 282 |  | 267 |  |  |  |  |  |  |  |  |  | 282 |  | 267 |
Accumulated remeasurement |  |  |  |  |  |  |  |  | 229 |  | 163 |  | 229 |  | 163 |
Net carrying value | 758 |  | 616 |  | 643 |  | 705 |  | 1,033 |  | 1,078 |  | 2,434 |  | 2,399 |
1 Impairments and reversals of impairments of property and equipment are presented as Other operating expenses in the statement of Profit or Loss. ING considers valuations from third-party experts in determining the fair values of property in own use. The vast majority of the land and buildings were appraised during 2024. Property in own use purchase costs amounted to EUR 871 million (2023: EUR 753 million). Cost or the purchase price less accumulated depreciation and impairments would have been EUR 476 million (2023: EUR 350 million) had property in own use been valued at cost instead of at fair value. The reported impairment losses of EUR -23 million (2023: EUR -41 million) mainly result from the closure of branches and unfavourable office market developments.

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- Definition The entire disclosure for property, plant and equipment. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 16 -IssueDate 2024-01-01 -Section Disclosure -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=16&code=ifrs-tx-2024-en-r&doctype=Standard&dita_xref=IAS16_g73-79_TI -URIDate 2024-03-27 + Details
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