ING Groep N.V. (ING)
NYSE: ING · Real-Time Price · USD
35.23
+0.30 (0.84%)
Aug 3, 2026, 2:56 PM EDT - Market open
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 | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 7,174 | 6,782 | 6,546 | 7,792 | 4,028 | 4,909 |
Depreciation & Amortization | 668 | 665 | 673 | 674 | 711 | 834 |
Provision for Credit Losses | 1,317 | 1,304 | 1,194 | 520 | 1,861 | 516 |
Other Adjustments | 3,680 | 3,010 | 353 | -2,388 | 5,524 | 413 |
Changes in Trading Assets | 44 | 17,211 | -12,663 | -3,359 | -5,489 | -25 |
Changes in Trading Liabilities | -69 | -11,829 | -1,964 | -1,869 | 11,975 | -5,596 |
Changes in Other Operating Activities | -14,455 | -23,522 | -16,684 | -12,709 | -29,723 | -15,996 |
Operating Cash Flow | -1,641 | -6,380 | -22,544 | -11,340 | -11,112 | -14,943 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 Change in Securities and Investments | -26,244 | -15,192 | -5,488 | -8,226 | -5,036 | 6,461 |
Cash Acquisitions | -95 | - | - | - | - | - |
Proceeds from Business Divestments | - | - | 0 | - | 7 | 27 |
Capital Expenditures | - | -351 | -332 | -246 | -231 | -184 |
Sale of Property, Plant & Equipment | -343 | 39 | 50 | 57 | 83 | 39 |
Other Investing Activities | 155 | -192 | -263 | -131 | -130 | -122 |
Investing Cash Flow | -26,753 | -15,697 | -6,033 | -8,545 | -5,307 | 6,220 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | 174,110 | 154,143 | 129,304 | 118,661 | 93,690 | 88,276 |
Long-Term Debt Repaid | -159,335 | -138,028 | -115,945 | -93,468 | -83,934 | -78,599 |
Net Long-Term Debt Issued (Repaid) | 14,775 | 16,115 | 13,359 | 25,193 | 9,756 | 9,677 |
Issuance of Common Stock | -2,782 | -3,705 | -3,817 | -3,531 | -1,717 | -1,608 |
Net Common Stock Issued (Repurchased) | -2,782 | -3,705 | -3,817 | -3,531 | -1,717 | -1,608 |
Common Dividends Paid | -6,679 | -7,768 | -7,758 | -5,934 | -6,186 | -4,764 |
Other Financing Activities | -286 | -282 | -290 | -291 | -296 | -300 |
Financing Cash Flow | 7,850 | 8,245 | 5,374 | 18,404 | 4,649 | 5,387 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | -609 | -1,089 | -740 | -898 | -504 | -565 |
Net Cash Flow | -21,153 | -14,921 | -23,943 | -2,379 | -12,274 | -3,901 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 | -1,641 | -6,731 | -22,876 | -11,586 | -11,343 | -15,127 |
Free Cash Flow Growth | - | - | - | - | - | - |
FCF Margin | -7.30% | -30.97% | -106.79% | -52.53% | -67.92% | -77.27% |
Free Cash Flow Per Share | -0.56 | -2.25 | -7.09 | -3.25 | -3.13 | -3.89 |