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	6,782	6,546	7,792	4,028	4,909
Depreciation & Amortization	665	673	674	711	834
Provision for Credit Losses	1,304	1,194	520	1,861	516
Other Adjustments	3,010	353	-2,388	5,524	413
Changes in Trading Assets	17,211	-12,663	-3,359	-5,489	-25
Changes in Trading Liabilities	-11,829	-1,964	-1,869	11,975	-5,596
Changes in Other Operating Activities	-23,522	-16,684	-12,709	-29,723	-15,996
Operating Cash Flow	-6,380	-22,544	-11,340	-11,112	-14,943
Net Change in Securities and Investments	-15,192	-5,488	-8,226	-5,036	6,461
Proceeds from Business Divestments	-	0	-	7	27
Capital Expenditures	-351	-332	-246	-231	-184
Sale of Property, Plant & Equipment	39	50	57	83	39
Other Investing Activities	-192	-263	-131	-130	-122
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	-138,028	-115,945	-93,468	-83,934	-78,599
Net Long-Term Debt Issued (Repaid)	16,115	13,359	25,193	9,756	9,677
Issuance of Common Stock	-3,705	-3,817	-3,531	-1,717	-1,608
Net Common Stock Issued (Repurchased)	-3,705	-3,817	-3,531	-1,717	-1,608
Common Dividends Paid	-7,768	-7,758	-5,934	-6,186	-4,764
Other Financing Activities	-282	-290	-291	-296	-300
Financing Cash Flow	8,245	5,374	18,404	4,649	5,387
Effect of Exchange Rate Changes on Cash and Cash Equivalents	-1,089	-740	-898	-504	-565
Net Cash Flow	-14,921	-23,943	-2,379	-12,274	-3,901
Free Cash Flow	-6,731	-22,876	-11,586	-11,343	-15,127
FCF Margin	-30.97%	-106.79%	-52.53%	-67.92%	-77.27%
Free Cash Flow Per Share	-2.25	-7.09	-3.25	-3.13	-3.89

SEC Filings: 10-K · 10-Q