ING Groep N.V. (TSX:INGS)
Canada · Delayed Price · Currency is CAD 40.45
-0.83 (-2.01%)
Oct 29, 2026, 2:55 PM EDT
ING Groep Cash Flow Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Operating Activities
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 |
Operating Cash Flow Growth | - | - | - | - | - |
Investing Activities
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 |
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 |
Financing Activities
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 |
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 |
Lease Payments | -282 | -290 | -291 | -296 | -301 |
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 |
Net Cash Flow
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 |
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
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 |
Free Cash Flow | -44,036 | -56,148 | 11,705 | -9,424 | -33,904 |
Free Cash Flow Growth | - | - | - | - | - |
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 |
Free Cash Flow After Leases | -44,318 | -56,438 | 11,414 | -9,720 | -34,205 |
Additional Metrics
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 |
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 |