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v3.25.2

Subordinated loans | 6 Months Ended
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Jun. 30, 2025
Subordinated liabilities [abstract] |
Subordinated loans | 10 Subordinated loans
Changes in subordinated loans
in EUR million | 30 June 2025 | 31 December 2024
Opening balance as at 1 January | 17,878 |  | 15,401 |
Additions | 1,232 |  | 4,603 |
Redemptions / Disposals | -1,818 |  | -2,931 |
Amortisation | 11 |  | 28 |
Other | -7 |  | 24 |
Changes in unrealised revaluations | 270 |  | 188 |
Foreign exchange movement | -1,000 |  | 565 |
Closing balance | 16,566 |  | 17,878 |
Subordinated loans are bonds issued by ING Groep N.V. and its subsidiaries to raise Tier 1 and Tier 2 (CRR- eligible) capital. Under IFRS these securities are classified as liabilities, and for regulatory purposes they are considered as capital. In 2025 ING Groep N.V. issued EUR 1.25 billion 4.13% Fixed Rate Subordinated Green Tier 2 Notes in May. In 2025 ING Groep N.V. redeemed EUR 750 million 2.00% Fixed Subordinated Tier 2 notes in March and USD 1.25 billion 6.50% Perpetual AT1 Contingent Convertible Capital Securities in April.

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