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Condensed consolidated statement of cash flows - EUR (€)
€ in Millions
 6 Months Ended 12 Months Ended
Jun. 30, 2024
Jun. 30, 2023
Dec. 31, 2023
Cash flows from operating activities      
Result before tax € 6,373 € 4,609  
Adjusted for:      
– Depreciation and amortisation 331 328  
– Addition to loan loss provisions 559 250  
– Revaluations (80) 87  
– Exchange rate differences and other. 1,858 14  
Taxation paid (1,307) (1,073)  
Changes in:      
–  Loans and advances to banks, not available on demand (5,222) (1,520)  
–  Deposits from banks, not payable on demand (6,181) (27,423)  
–  Trading assets (12,975) (5,955)  
–  Trading liabilities (3,485) 987  
–  Loans and advances to customers (13,819) (4,727)  
–  Customer deposits 41,652 36,962  
–  Non-trading derivatives (647) 691  
–  Assets designated at fair value through profit or loss 769 25  
–  Assets mandatorily at fair value through profit or loss (14,427) (22,651)  
–  Other assets (1,200) (1,745)  
–  Other financial liabilities at fair value through profit or loss 11,874 23,033  
–  Provisions and other liabilities 1,875 2,599  
Net cash flow from/(used in) operating activities 5,948 4,491  
Investments and advances:      
- Associates and joint ventures (22) (31)  
– Property and equipment (172) (89)  
Disposals and redemptions:      
– Associates and joint ventures 44 41  
– Property and equipment 24 14  
Net cash flow from/(used in) investing activities (6,532) (5,806)  
Cash flows from financing activities      
Proceeds from debt securities 65,628 45,645  
Repayments of debt securities (50,636) (21,543)  
Proceeds from issuance of subordinated loans 2,385 2,225  
Repayments of subordinated loans (1,970) (2,127)  
Repayments of principal portion of lease liabilities (136) (96)  
Purchase of treasury shares (1,573) (187)  
Dividends paid (2,750) (1,705)  
Net cash flow from/(used in) financing activities 10,948 22,212  
Net cash flow 10,364 20,897  
Cash and cash equivalents at beginning of the period 93,012 95,391 € 95,391
Effect of exchange rate changes on cash and cash equivalents (1,366) (1,071)  
Cash and cash equivalents at end of the period 102,010 115,217 93,012
Cash and cash equivalents      
Treasury bills and other eligible bills 23 21  
Deposits from banks (8,498) (8,506)  
Loans and advances to banks 13,412 10,065  
Cash and balances with central banks 97,073 113,636 90,214
Cash and cash equivalents at end of year 102,010 115,217 € 93,012
Supplemental cash flow information      
Interest received 28,958 24,312  
Interest paid (20,119) (15,074)  
Interest received (paid) 8,839 9,238  
Dividend received [1] 68 62  
Dividend paid (2,750) (1,705)  
Other investments purchased      
Investments and advances:      
– Other investments (152) (115)  
Other investments disposed      
Disposals and redemptions:      
– Other investments 10 2  
- Financial assets at fair value through other comprehensive income      
Investments and advances:      
- Financial assets at fair value through other comprehensive income (11,040) (11,548)  
- Securities at amortised cost (11,040) (11,548)  
Disposals and redemptions:      
- Financial assets at fair value through other comprehensive income 5,921 6,069  
- Securities at amortised cost 5,921 6,069  
- Securities at amortised cost      
Investments and advances:      
- Financial assets at fair value through other comprehensive income (48,584) (25,403)  
- Securities at amortised cost (48,584) (25,403)  
Disposals and redemptions:      
- Financial assets at fair value through other comprehensive income 47,439 25,253  
- Securities at amortised cost € 47,439 € 25,253  
[1] Includes dividends received as recognized within Investment Income, from equity securities included in the Financial assets at fair value through profit or loss, Financial assets at fair value through OCI, and from Investments in associates and joint ventures. Dividends paid and received from trading positions have been included.