ING Groep NV (INGA) — Working Capital to Net Assets Ratio
ING Groep NV (INGA) has a Working Capital to Net Assets ratio of -1398.9% as of December 2025. Working capital of €-712.77 Billion (current assets of €106.31 Billion minus current liabilities of €819.08 Billion) is measured against net assets of €50.95 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See financial agility of ING Groep NV to measure the company's free cash flow as a share of total liabilities.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
ING Groep NV Working Capital to Net Assets (1997–2025)
This chart shows how ING Groep NV's Working Capital to Net Assets ratio has evolved across 29 annual periods from 1997 to 2025. As of December 2025, the ratio stands at -1398.9%, reflecting working capital of €-712.77 Billion against net assets of €50.95 Billion EUR. See INGA defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Working Capital to Net Assets for ING Groep NV (1997–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for ING Groep NV from 1997 to 2025, covering 29 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For live market cap and the full company profile, see market cap of ING Groep NV.
| Year | WC/NA Ratio | Working Capital (EUR) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -1398.9% | €-712.77 Billion | €50.95 Billion | €106.31 Billion | €819.08 Billion | ▼ -149.8 pp |
| 2024 | -1249.1% | €-640.92 Billion | €51.31 Billion | €116.13 Billion | €757.05 Billion | ▼ -132.9 pp |
| 2023 | -1116.2% | €-582.50 Billion | €52.18 Billion | €151.75 Billion | €734.25 Billion | ▼ -473.1 pp |
| 2022 | -643.2% | €-324.23 Billion | €50.41 Billion | €119.86 Billion | €444.09 Billion | ▼ -163.9 pp |
| 2021 | -479.3% | €-261.94 Billion | €54.66 Billion | €139.16 Billion | €401.10 Billion | ▼ -448.0 pp |
| 2020 | -31.3% | €-268.35 Billion | €857.83 Billion | €148.25 Billion | €416.60 Billion | ▲ +20.2 pp |
| 2019 | -51.5% | €-389.16 Billion | €755.92 Billion | €87.05 Billion | €476.21 Billion | ▼ -212.0 pp |
| 2018 | 160.5% | €83.05 Billion | €51.73 Billion | €83.11 Billion | €61.00 Million | ▲ +89.6 pp |
| 2017 | 70.9% | €36.25 Billion | €51.12 Billion | €39.86 Billion | €3.61 Billion | ▼ -2.4 pp |
| 2016 | 73.3% | €36.97 Billion | €50.40 Billion | €41.36 Billion | €4.39 Billion | ▲ +2.8 pp |
| 2015 | 70.5% | €34.17 Billion | €48.47 Billion | €39.33 Billion | €5.16 Billion | ▲ +25.1 pp |
| 2014 | 45.4% | €26.55 Billion | €58.50 Billion | €32.29 Billion | €5.74 Billion | ▼ -28.6 pp |
| 2013 | 74.0% | €36.90 Billion | €49.85 Billion | €44.78 Billion | €7.88 Billion | ▼ -24.9 pp |
| 2012 | 98.9% | €52.27 Billion | €52.84 Billion | €62.91 Billion | €10.64 Billion | ▼ -37.8 pp |
| 2011 | 136.7% | €63.22 Billion | €46.23 Billion | €75.07 Billion | €11.85 Billion | ▲ +31.5 pp |
| 2010 | 105.2% | €46.39 Billion | €44.10 Billion | €59.90 Billion | €13.50 Billion | ▼ -29.3 pp |
| 2009 | 134.5% | €49.83 Billion | €37.04 Billion | €66.94 Billion | €17.11 Billion | ▲ +176.9 pp |
| 2008 | -42.3% | €-12.24 Billion | €28.93 Billion | €79.32 Billion | €91.57 Billion | ▼ -95.3 pp |
| 2007 | 53.0% | €20.94 Billion | €39.53 Billion | €62.04 Billion | €41.10 Billion | ▲ +1.3 pp |
| 2006 | 51.6% | €21.27 Billion | €41.22 Billion | €61.71 Billion | €40.43 Billion | ▲ +74.1 pp |
| 2005 | -22.4% | €-8.62 Billion | €38.40 Billion | €34.30 Billion | €42.92 Billion | ▼ -248.9 pp |
| 2004 | 226.4% | €66.43 Billion | €29.34 Billion | €82.94 Billion | €16.51 Billion | ▼ -79.4 pp |
| 2003 | 305.9% | €75.86 Billion | €24.80 Billion | €90.95 Billion | €15.09 Billion | ▲ +22.2 pp |
| 2002 | 283.7% | €63.48 Billion | €22.38 Billion | €77.43 Billion | €13.95 Billion | ▲ +201.2 pp |
| 2001 | 82.5% | €21.08 Billion | €25.56 Billion | €30.32 Billion | €9.24 Billion | ▲ +114.7 pp |
| 2000 | -32.3% | €-9.38 Billion | €29.06 Billion | €67.89 Billion | €77.27 Billion | ▲ +149.9 pp |
| 1999 | -182.2% | €-65.83 Billion | €36.13 Billion | €16.26 Billion | €82.09 Billion | ▲ +326.5 pp |
| 1998 | -508.7% | €-150.22 Billion | €29.53 Billion | €11.42 Billion | €161.64 Billion | ▼ -88.3 pp |
| 1997 | -420.4% | €-87.78 Billion | €20.88 Billion | €11.30 Billion | €99.07 Billion | — |