Company: INGVF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001628280-25-036812
Chunk: 23

Company: ING GROEP NV
Filing Date: 2025-07-31
Form: 6-K
Chunk 23
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                  |
| Total                                                        |     |            |         |     |                         | 1,003,405 |              |     | 954,943 |                  |            | 439 |              |     |    409 |                  |                       | 77,596 |              |     | 79,888 |                  |            | 1,247 |              |     | 1,130 |                                            |                       | 12,932 |              |     | 13,742 |                  |            | 4,259 |              |     |   4,509 |                                        |                       | 1,093,934 |              |     | 1,048,574 |                  |            | 5,945 |              |     | 6,049 |                  |

1 Stage 3 lifetime credit impaired provision includes € 21million (31 December 2024: € 21million ) on purchased or originated credit impaired.

Changes in gross carrying amounts and loan loss provisions (*) The table below provides a reconciliation by stage of the gross carrying amount and allowances for loans and advances to banks and customers, including loan commitments and financial guarantees. The transfers of financial instruments represent the impact of stage transfers upon the gross carrying/nominal amount and associated allowance for ECL. This includes the net-remeasurement of ECL arising from stage transfers, for example, moving from a 12-month (Stage 1) to a lifetime (Stage 2) ECL measurement basis. The net-remeasurement line represents the changes in provisions for facilities that remain in the same stage. Please note the following comments with respect to the movements observed in the table below: • Stage 3 gross carrying amount decreased by € 0.8billion from € 13.7billion as at 31 December 2024 to € 12.9billion as at 30 June 2025, mainly as a result of € 1.5billion derecognitions and repayments and € 0.8billion write-offs and disposals, which is offset by an increase of € 1.5billion net inflow into NPL (credit impaired) in the first six months of 2025. Following the decrease in carrying amount, Stage 3 provisions decreased by € 0.3billion. • Stage 2 gross carrying amounts decreased by € 2.3billion from € 79.9billion as at 31 December 2024 to € 77