ING Groep N.V. (ETR:INN1)

ING Groep Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	5,334	4,140	12,126	5,951	2,250
Depreciation & Amortization	458	461	711	834	829
Other Amortization	215	213	-	-	-
Total Asset Writedown	1,012	1,806	-6,002	-1,321	-
Provision for Credit Losses	1,194	520	1,861	516	2,675
Change in Trading Asset Securities	-12,349	-10,501	-9,587	-282	-5,433
Change in Other Net Operating Assets	-52,234	15,855	-11,731	-40,112	17,053
Other Operating Activities	554	-543	3,429	694	1,085
Operating Cash Flow	-55,816	11,951	-9,193	-33,720	18,459
Capital Expenditures	-332	-246	-231	-184	-287
Sale of Property, Plant and Equipment	50	57	83	39	75
Investment in Securities	-5,751	-8,357	-5,166	6,339	-8,270
Divestitures	-	-	7	27	-3
Other Investing Activities	-	1	-	-1	-2
Investing Cash Flow	-6,033	-8,545	-5,307	6,220	-8,487
Long-Term Debt Issued	129,304	118,661	93,690	88,276	67,473
Long-Term Debt Repaid	-116,235	-93,759	-84,230	-78,900	-102,271
Net Debt Issued (Repaid)	13,069	24,902	9,460	9,376	-34,798
Issuance of Common Stock	-	-	-	-	5
Repurchase of Common Stock	-3,817	-3,531	-1,717	-1,608	-
Common Dividends Paid	-3,879	-2,967	-3,093	-2,342	-
Net Increase (Decrease) in Deposit Accounts	33,272	-23,291	-1,919	18,777	82,784
Other Financing Activities	1	-	-1	-39	-3
Financing Cash Flow	38,646	-4,887	2,730	24,164	47,988
Foreign Exchange Rate Adjustments	-740	-898	-504	-565	-425
Net Cash Flow	-23,943	-2,379	-12,274	-3,900	57,535
Free Cash Flow	-56,148	11,705	-9,424	-33,904	18,172
Free Cash Flow Margin	-279.98%	66.40%	-32.03%	-173.81%	124.41%
Free Cash Flow Per Share	-17.39	3.28	-2.60	-8.71	4.66
Cash Interest Paid	41,191	33,734	14,193	8,705	9,672
Cash Income Tax Paid	2,754	2,700	1,474	1,873	1,734

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.