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Liabilities and off-balance sheet commitments by maturity (Tables) | 12 Months Ended
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Dec. 31, 2024
Liabilities and off-balance sheet commitments by maturity [abstract] |
Schedule of maturity of financial and non-financial liabilities |
Liabilities and off-balance sheet commitments by maturity
in EUR million |  |  |  |  |  |  |  |
2024 | 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 | 9,104 |  | 1,367 |  | 2,085 |  | 1,637 |  | 2,484 |  |  | 47 |  | 16,723 |
Customer deposits | 610,184 |  | 23,312 |  | 49,284 |  | 4,448 |  | 2,081 |  |  | 2,352 |  | 691,661 |
Financial liabilities at fair value through profit or loss |  |  |  |  |  |  |  |
– Other trading liabilities | 5,790 |  | 230 |  | 313 |  | 1,325 |  | 1,465 |  |  | -34 |  | 9,089 |
– Trading derivatives | 2,631 |  | 2,367 |  | 3,730 |  | 7,641 |  | 5,499 |  |  | 4,298 |  | 26,166 |
– Non-trading derivatives | 419 |  | 57 |  | -36 |  | 711 |  | 149 |  |  | 801 |  | 2,101 |
– Designated at fair value through profit or loss | 32,644 |  | 5,842 |  | 1,798 |  | 5,097 |  | 4,367 |  | 34 |  | -239 |  | 49,543 |
Debt securities in issue | 1,949 |  | 18,610 |  | 33,037 |  | 55,221 |  | 34,857 |  |  | -1,307 |  | 142,367 |
Subordinated loans |  |  |  |  |  |  |  |  | 9,962 |  | 8,415 |  | -499 |  | 17,878 |
Lease liabilities | 20 |  | 44 |  | 162 |  | 607 |  | 328 |  |  | -45 |  | 1,116 |
Financial liabilities | 662,741 |  | 51,829 |  | 90,375 |  | 76,688 |  | 61,191 |  | 8,448 |  | 5,374 |  | 956,646 |
Other liabilities 3 | 7,718 |  | 530 |  | 3,371 |  | 1,423 |  | 470 |  |  |  | 13,512 |
Total liabilities | 670,459 |  | 52,359 |  | 93,745 |  | 78,111 |  | 61,661 |  | 8,448 |  | 5,374 |  | 970,158 |
Coupon interest due on financial liabilities | 2,284 |  | 1,603 |  | 5,903 |  | 10,191 |  | 8,137 |  | 514 |  |  | 28,632 |
Contingent liabilities in respect of |  |  |  |  |  |  |  |
– Discounted bills |  |  |  |  |  |  |  |  |  |  |  |  |  |
– Guarantees | 26,355 |  |  |  |  |  | 3 |  | 550 |  |  |  | 26,908 |
– Irrevocable letters of credit | 16,388 |  |  |  |  |  |  |  |  |  |  |  | 16,388 |
Guarantees issued by ING Groep N.V. | 210 |  |  |  |  |  |  |  | 210 |
Irrevocable facilities | 175,000 |  | 9 |  | 15 |  | 143 |  | 56 |  |  |  | 175,222 |
| 217,953 |  | 9 |  | 15 |  | 146 |  | 606 |  |  |  |  |  | 218,728 |
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 |  |  |  |  |  |  |  |
2023 | 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 | 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.

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