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Other operating expenses
6 Months Ended
Jun. 30, 2022
Other operating expenses [Abstract]  
Other operating expenses
15
 
Other operating expenses
Other operating expenses
1 January to 30 June
in EUR million
2022
2021
Regulatory costs
863
759
Audit and non-audit services
17
16
IT related expenses
402
387
Advertising and public relations
144
149
External advisory fees
129
147
Office expenses
139
141
Travel and
 
accommodation expenses
39
24
Contributions and subscriptions
58
59
Postal charges
16
20
Depreciation of property and equipment
244
285
Amortisation of intangible assets
113
133
(Reversals of) impairments of tangible assets
7
-1
(Reversals of) impairments of intangible assets
40
24
Addition to / (unused amounts reversed of) provision for reorganisations
125
88
Addition to / (unused amounts reversed of) other provisions
5
49
Other
366
341
2,706
2,621
Regulatory costs
Regulatory costs represent contributions to
 
the Deposit Guarantee Schemes (DGS), The Single Resolution Fund
(SRF), local bank taxes and local resolution funds. Included in Regulatory costs
 
for 2022, are contributions to DGS
of EUR
304
 
million (first six months of 2021: EUR
260
 
million) mainly related to the Netherlands, Germany,
Belgium, and Poland and contributions to the SRF and local resolution funds of EUR
354
 
million (first six months
of 2021: EUR
308
 
million). In 2022 local bank taxes increased by EUR
14
 
million from EUR
191
 
million in 2021 to
EUR
205
 
million.
In 2022, ING Bank Slaski, together with seven other Polish banks,
 
has established an Institutional Protection
Scheme (IPS). The fund can be used to ensure the liquidity and solvency of each of its participants, and to assist in
the resolution of participating and non-participating banks. The contribution by ING amounts to EUR
92
 
million
and is recognized as regulatory costs (DGS).