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ING Groep N.V. (ING)
NYSE: ING · Real-Time Price · USD
33.22
+0.19 (0.58%)
At close: Nov 13, 2026, 4:00 PM EST
33.19
-0.03 (-0.09%)
After-hours: Nov 13, 2026, 7:55 PM EST

ING Groep Cash Flow Statement

Millions EUR. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
8,3245,3344,14012,1265,951
Depreciation & Amortization
442458674711834
Other Amortization
223215---
Total Asset Writedown
1,0701,0121,806-6,002-1,321
Provision for Credit Losses
1,3041,1945201,861516
Change in Trading Asset Securities
-552-12,349-10,501-9,587-282
Change in Other Net Operating Assets
-54,893-52,23415,855-11,731-40,112
Other Operating Activities
397554-5433,429694
Operating Cash Flow
-43,685-55,81611,951-9,193-33,720
Operating Cash Flow Growth
-----

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-351-332-246-231-184
Sale of Property, Plant and Equipment
3950578339
Investment in Securities
-15,384-5,751-8,357-5,1666,339
Divestitures
---727
Other Investing Activities
-1-1--1
Investing Cash Flow
-15,697-6,033-8,545-5,3076,220

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
154,143129,304118,66193,69088,276
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)
15,83313,06924,9029,4609,376
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
37,30533,272-23,291-1,91918,777
Other Financing Activities
11--1-39
Financing Cash Flow
45,55038,646-4,8872,73024,164

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
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 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
-44,036-56,14811,705-9,424-33,904
Free Cash Flow Growth
-----
Free Cash Flow Margin
-180.04%-279.98%66.40%-32.03%-173.81%
Free Cash Flow Per Share
-14.73-17.393.28-2.60-8.71
Free Cash Flow After Leases
-44,318-56,43811,414-9,720-34,205

Additional Metrics

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
37,66641,19133,73414,1938,705
Cash Income Tax Paid
2,3662,7542,7001,4741,873
SEC Filings: 10-K · 10-Q