v3.25.4
Condensed financial information of the parent company - Statement of changes in cash flows (Details) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Cash flows from operating activities      
Result before taxation € 11,791 € 7,772 € 6,037
Taxation paid 2,366 2,754 2,700
–  Net change in Loans and advances to/from banks, not available/payable on demand 3,546 (7,736) 12,693
–  Other 1,143 (542) 2,320
Net cash flow from/(used in) operating activities (6,380) (22,544) (11,340)
Cash flows from investing activities      
Net cash flow from/(used in) investing activities (15,697) (6,033) (8,545)
Cash flows from financing activities      
Proceeds from debt securities [1] 150,409 124,701 116,436
Repayments of debt securities [1] (135,220) (113,014) (90,574)
Proceeds from issuance of subordinated loans 3,734 4,603 2,225
Repayments of subordinated loans (2,808) (2,931) (2,894)
Dividends and other cash distributions paid (3,884) (3,879) (2,967)
Net cash flow from/(used in) financing activities 8,245 5,374 18,404
Net cash flow (13,832) (23,203) (1,481)
Cash and cash equivalents at beginning of year 69,069 93,012 95,391
Effect of exchange rate changes on cash and cash equivalents (1,089) (740) (898)
Cash and cash equivalents at end of year 54,148 69,069 93,012
Parent company      
Cash flows from operating activities      
Result before taxation 135 273 167
– non-cash items in Result before tax 56 232 221
Taxation paid (115) 0 0
–  Net change in Loans and advances to/from banks, not available/payable on demand 3,036 (5,899) (6,485)
–  Other 51 (66) 19
Net cash flow from/(used in) operating activities 3,163 (5,461) (6,079)
Cash flows from investing activities      
– dividends received from ING Bank N.V. 1,129 4,986 10,269
– securities at amortised cost 1,000
Net cash flow from/(used in) investing activities 1,129 4,986 11,269
Cash flows from financing activities      
Proceeds from debt securities 7,444 9,480 6,012
Repayments of debt securities (5,224) (3,695) (4,591)
Proceeds from issuance of subordinated loans 3,734 4,492 2,240
Repayments of subordinated loans (2,808) (2,944) (2,132)
Purchases of treasury shares (3,705) (3,817) (3,524)
Dividends and other cash distributions paid (3,689) (3,626) (2,964)
Other financing
Net cash flow from/(used in) financing activities (4,248) (109) (4,959)
Net cash flow 44 (583) 231
Cash and cash equivalents at beginning of year 31 614 383
Effect of exchange rate changes on cash and cash equivalents 0 0 0
Cash and cash equivalents at end of year € 75 € 31 € 614
[1] Cash flows are reported on a gross basis and include investments and borrowings of short term securities