ING Groep Cash Flow Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	8,324	5,334	4,140	12,126	5,951
Depreciation & Amortization	442	458	674	711	834
Other Amortization	223	215	-	-	-
Total Asset Writedown	1,070	1,012	1,806	-6,002	-1,321
Provision for Credit Losses	1,304	1,194	520	1,861	516
Change in Trading Asset Securities	-552	-12,349	-10,501	-9,587	-282
Change in Other Net Operating Assets	-54,893	-52,234	15,855	-11,731	-40,112
Other Operating Activities	397	554	-543	3,429	694
Operating Cash Flow	-43,685	-55,816	11,951	-9,193	-33,720
Capital Expenditures	-351	-332	-246	-231	-184
Sale of Property, Plant and Equipment	39	50	57	83	39
Investment in Securities	-15,384	-5,751	-8,357	-5,166	6,339
Divestitures	-	-	-	7	27
Other Investing Activities	-1	-	1	-	-1
Investing Cash Flow	-15,697	-6,033	-8,545	-5,307	6,220
Long-Term Debt Issued	154,143	129,304	118,661	93,690	88,276
Long-Term Debt Repaid	-138,310	-116,235	-93,759	-84,230	-78,900
Net Debt Issued (Repaid)	15,833	13,069	24,902	9,460	9,376
Repurchase of Common Stock	-3,705	-3,817	-3,531	-1,717	-1,608
Common Dividends Paid	-3,884	-3,879	-2,967	-3,093	-2,342
Net Increase (Decrease) in Deposit Accounts	37,305	33,272	-23,291	-1,919	18,777
Other Financing Activities	1	1	-	-1	-39
Financing Cash Flow	45,550	38,646	-4,887	2,730	24,164
Foreign Exchange Rate Adjustments	-1,089	-740	-898	-504	-565
Net Cash Flow	-14,921	-23,943	-2,379	-12,274	-3,900
Free Cash Flow	-44,036	-56,148	11,705	-9,424	-33,904
Free Cash Flow Margin	-180.04%	-279.98%	66.40%	-32.03%	-173.81%
Free Cash Flow Per Share	-14.73	-17.39	3.28	-2.60	-8.71
Cash Interest Paid	37,666	41,191	33,734	14,193	8,705
Cash Income Tax Paid	2,366	2,754	2,700	1,474	1,873

Source: S&P Global Market Intelligence. Banks template. Financial Sources.