Company: INGVF
Filing Date: 2025-07-31
Form Type: 6-K
Source: 0001628280-25-036812
Chunk: 10

Company: ING GROEP NV
Filing Date: 2025-07-31
Form: 6-K
Chunk 10
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-the-cycle historical average of 20 basis points. In the first six months of 2024, net additions to loan loss provisions had been EUR 559 million or 17 basis points of average customer lending.

ING Group Condensed consolidated interim financial information on form 6-K for the six month period ended 30 June 2025 - Unaudited 7

| Contents |     | Interim Report |     | Risk management |     | Condensed consolidated interim financial statements |     | Notes to the Condensed consolidated interim financial statements |     | Additional notes to the Condensed consolidated interim financial statements |     | Other information |

Total net additions to Stage 3 provisions sharply decreased to EUR 436 million from EUR 819 million in the first half of 2024. The first half of 2024 had seen a significant inflow for a number of unrelated, newly provisioned clients in Wholesale Banking. By contrast, in the first half of 2025, the inflow of new files was limited, which was accompanied by several repayments and recoveries on existing files.

Total Stage 1 and 2 risk costs amounted to EUR 177 million in the first six months of 2025. In the prior year period, this had been EUR -260 million (including EUR 6 million of modification losses), primarily reflecting a positive update of macroeconomic forecasts and the partial release of management overlays.

Year-on-year, risk costs in Retail Banking increased by EUR 121 million, as the first half of 2024 had included a partial release of management overlays. In Wholesale Banking, risk costs declined by EUR 68 million due to lower inflows, repayments, and recoveries.

#### Net result
The net result (attributable to shareholders of the parent) for the first half of 2025 declined by 6.8% to EUR 3,130 million compared with EUR 3,358 million in the same period of 2024.

ING Group Condensed consolidated interim financial information on form 6-K for the six month period ended 30 June 2025 - Unaudited 8

| Contents |     | Interim Report |     | Risk management |     | Condensed consolidated interim financial statements |     | Notes to the Condensed consolidated interim financial statements |     | Additional notes to the Condensed consolidated interim financial statements |     | Other information |

Retail Banking

| Retail Banking                                |     |                      |       |        |     |       |        |     |      |          |                    |