Bigger Story This article is part of ING's Annual Review 2015. read the 2015 Annual review
Key figures
| Our financial goals | ||||
| Ambition 2017 | 2015 | 2014 | 2013 | |
| Common Equity Tier 1 ratio fully loaded ING Group | >12.5% | 12.7% | 10.5% | n/a |
| Common Equity Tier 1 ratio fully loaded ING Bank | >10% | 11.6% | 11.4% | 10.0% |
| Leverage ratio ING Bank 1 | ~4% | 4.5% | 4.1% | 3.9% |
| Underlying cost/income ratio ING Bank | 50-53% | 55.9% | 58.7% | 56.8% |
| Underlying return on equity ING Bank | 10-13% | 10.8% | 9.9% | 9.0% |
| Dividend per share (in euros) | 0.65 | 0.12 | n/a | |
1 The leverage ratio is calculated using the published IFRS-EU balance sheet, in which notional cash pooling activities are netted, plus off balance-sheet commitments. The pro-forma leverage ratio of ING Bank, taking into account the combined impact of grossing up the notional cash pool activities and the alignment with the Delegated Act (which was adopted in January 2015) is 4.1%, an increase of 0.5 percentage point compared with year-end 2014.
| Consolidated result | |||
| (in EUR million) | 2015 | 2014 | 2013 |
| Income | 16,552 | 15,296 | 15,305 |
| Operating expenses | 9,246 | 8,979 | 8,694 |
| Addition to loan loss provision | 1,347 | 1,594 | 2,288 |
| Underlying result before taxation | 5,959 | 4,724 | 4,323 |
| Underlying net result Banking | 4,219 | 3,424 | 3,155 |
| Divestments/special items | 309 | -819 | -124 |
| Net result Banking | 4,528 | 2,606 | 3,031 |
| Legacy insurance business | -518 | -1,355 | 515 |
| Net result attributable to ING Group's shareholders | 4,010 | 1,251 | 3,545 |
| Balance sheet | |||
| (in EUR billion, year-end) | 2015 | 2014 | 2013 |
| Total assets ING Groep N.V. | 842 | 993 | 1,081 |
| Shareholders’ equity ING Groep N.V. | 48 | 51 | 46 |
| Customer lending ING Bank N.V. 2 | 533 | 514 | 499 |
| Customer deposits ING Bank N.V. | 509 | 489 | 475 |
2 Customer lending is defined as: loans & advances to customers -/- securities at amortised costs and IABF -/- provision for loan losses.
| Other indicators | |||
| 2015 | 2014 | 2013 | |
| Effective underlying tax rate (in %) Banking | 28.0 | 25.8 | 24.9 |
| Risk-weighted assets ING Bank (EUR billion, year-end) | 318 | 296 | 283 |
| Underlying risk costs in bps of average RWA | 44 | 55 | 83 |
| Non-financial key figures | |||
| 2015 | 2014 | 2013 | |
| Net Promoter Score Retail Banking (number of countries with number one ranking) 3 | 7 | 9 | 6 |
| Total number of Retail Banking primary relationships (in million) 4 | 8.9 | 8.4 5 | 7.8 |
| Sustainable transitions financed (in EUR billion) 4 | 23.8 | 19.5 | n/a |
| Sustainable assets under management (in EUR million) 4 | 2,573 | 1,538 | 886 |
| Total extrapolated CO2 emissions (in kilotonne) | 96 | 102 | 127 |
| Human Capital Return on Investment indicator | 2.48 | 2.30 | 2.36 |
3 Our Net Promoter Score (NPS) rankings are based on a rolling average of NPS results calculated over the four quarters of 2015.
4 As at 31 December 2015.
5 2014 data has been restated to reflect improvements in data-gathering and measurement in Belgium, the Netherlands, Romania and Luxembourg during 2015, and to ensure accurate historical comparison.