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

Company: ING GROEP NV
Filing Date: 2025-07-31
Form: 6-K
Chunk 6
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3,358 |        |     |  -7 | %        |
| Adjustment of the IFRS-EU 'IAS 39 carve out'  |     |    786 |        |     |  1,099 |        |     | -28 | %        |
| Net result IFRS-IASB2                         |     |  3,915 |        |     |  4,456 |        |     | -12 | %        |
| Key financial metrics                         |     |        |        |     |        |        |     |     |          |
| Net core lending growth (in EUR billion)3     |     |   22.2 |        |     |   12.0 |        |     |     |          |
| Net core deposits growth (in EUR billion)3    |     |   28.8 |        |     |   28.2 |        |     |     |          |
| Risk costs in bps of average customer lending |     |     18 |        |     |     17 |        |     |     |          |

1 Commercial net interest income (NII) is the sum of lending NII and liability NII (excluding significant volatile items). For a reconciliation with total NII, see the appendix ' Alternative performance measures '. 2 Net result reflects the net result attributable to shareholders of the parent. 3 For a definition and reconciliation of net core lending growth and net core deposits growth, see the appendix ' Alternative performance measures '.

ING Group monitors and evaluates the performance of ING Group at a consolidated level and by segment using results based on figures according to IFRS as adopted by the European Union (IFRS-EU). The Executive Board and the Management Board Banking consider this measure to be relevant to an understanding of the Group’s financial performance, because it allows investors to understand the primary method used by management to evaluate the Group’s operating performance and make decisions about allocating resources. In addition, ING Group believes that the presentation of results in accordance with IFRS-EU helps investors compare its segment performance on a meaningful basis by highlighting result before tax attributable to ongoing operations and the profitability of the segment businesses. ING prepares its results filed with SEC in accordance with IFRS-IASB. This information is prepared by reversing the hedge accounting impacts that applied under the EU 'carve-out' version of IAS 39. For the IFRS-EU result, the impact of