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Consolidated statement of cash flows - EUR (€) € in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Cash flows from operating activities |  |  |  |
Result before tax |  | € 7,772 | € 6,037 | € 17,358
Adjusted for: |  |  |  |
– Depreciation and amortisation |  | 673 | 674 | 711
– Addition to loan loss provisions |  | 1,194 | 520 | 1,861
– Revaluations |  | 1,012 | 1,806 | (6,002)
– Exchange rate differences and other |  | 869 | 260 | (330)
Taxation paid |  | (2,754) | (2,700) | (1,474)
Changes in: |  |  |  |
– Loans and advances to banks, not available on demand |  | (7,736) | 12,693 | (5,837)
– Deposits from banks, not payable on demand |  | (7,818) | (31,804) | (26,976)
– Trading assets |  | (12,663) | (3,359) | (5,489)
– Trading liabilities |  | (1,964) | (1,869) | 11,975
– Loans and advances to customers |  | (34,401) | (5,816) | (19,297)
– Customer deposits |  | 41,090 | 8,513 | 25,057
– Non–trading derivatives |  | (54) | 2,409 | (5,469)
– Assets designated at fair value through profit or loss |  | 40 | 260 | 45
– Assets mandatorily at fair value through profit or loss |  | 274 | (7,402) | (4,143)
– Other assets |  | 263 | 1,727 | (2,866)
– Other financial liabilities at fair value through profit or loss |  | (7,800) | 4,391 | 9,886
– Provisions and other liabilities |  | (542) | 2,320 | (123)
Net cash flow from/(used in) operating activities |  | (22,544) | (11,340) | (11,112)
Investments and advances: |  |  |  |
- Associates and joint ventures |  | (26) | (55) | (48)
- Financial assets at fair value through other comprehensive income |  | (21,091) | (19,995) | (18,806)
– Securities at amortised cost1 | [1] | (110,052) | (49,614) | (24,651)
– Property and equipment |  | (332) | (246) | (231)
– Other investments |  | (383) | (310) | (198)
Disposals and redemptions: |  |  |  |
– Associates and joint ventures |  | 107 | 164 | 58
– Disposal of subsidiaries, net of cash disposed |  |  |  | 7
- Financial assets at fair value through other comprehensive income |  | 16,949 | 11,913 | 14,526
– Securities at amortised cost1 | [1] | 108,732 | 49,525 | 23,943
– Property and equipment |  | 50 | 57 | 83
– Other investments |  | 13 | 15 | 10
Net cash flow from/(used in) investing activities |  | (6,033) | (8,545) | (5,307)
Cash flows from financing activities |  |  |  |
Proceeds from debt securities1 | [1] | 124,701 | 116,436 | 92,707
Repayments of debt securities1 | [1] | (113,014) | (90,574) | (82,844)
Proceeds from issuance of subordinated loans |  | 4,603 | 2,225 | 983
Repayments of subordinated loans |  | (2,931) | (2,894) | (1,090)
Repayments of principal portion of lease liabilities |  | (290) | (291) | (296)
Purchase/sale of treasury shares |  | (3,817) | (3,531) | (1,717)
Dividends paid |  | (3,879) | (2,967) | (3,093)
Other financing |  | 0 | 0 | 0
Net cash flow from/(used in) financing activities |  | 5,374 | 18,404 | 4,649
Net cash flow |  | (23,203) | (1,481) | (11,770)
Cash and cash equivalents at beginning of year |  | 93,012 | 95,391 | 107,665
Effect of exchange rate changes on cash and cash equivalents |  | (740) | (898) | (504)
Cash and cash equivalents at end of year |  | € 69,069 | € 93,012 | € 95,391
[1] | Cash flows are reported on a gross basis and include investments and borrowings of short term securities

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- Definition The cash inflow from the issuing of subordinated liabilities. [Refer: Subordinated liabilities] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 17 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_17&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash inflow from sales of investments accounted for using the equity method. [Refer: Investments accounted for using equity method] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash inflow from sales of investments other than investments accounted for using the equity method. [Refer: Investments accounted for using equity method; Investments other than investments accounted for using equity method] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash inflow from sales of property, plant and equipment, classified as investing activities. [Refer: Property, plant and equipment] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16_b&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash inflow from sales or maturity of financial assets measured at amortised cost, classified as investing activities. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash inflow from sales or maturity of financial assets measured at fair value through other comprehensive income, classified as investing activities. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The profit (loss) before tax expense or income. [Refer: Profit (loss)] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 8 -IssueDate 2024-01-01 -Paragraph 28 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2024-en-r&anchor=para_28_b&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 8 -IssueDate 2024-01-01 -Paragraph 23 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2024-en-r&anchor=para_23&doctype=Standard -URIDate 2024-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 5 -IssueDate 2024-01-01 -Paragraph 33 -Subparagraph b -Clause i -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=5&code=ifrs-tx-2024-en-r&anchor=para_33_b_i&doctype=Standard -URIDate 2024-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 103 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_103&doctype=Standard -URIDate 2024-03-27 Reference 5: http://www.xbrl.org/2003/role/exampleRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 102 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_102&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for the purchase of financial assets measured at amortised cost, classified as investing activities. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for the purchase of financial assets measured at fair value through other comprehensive income, classified as investing activities. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for the purchase of interests in investments accounted for using the equity method. [Refer: Investments accounted for using equity method] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for the purchase of investments other than investments accounted for using equity method. [Refer: Investments accounted for using equity method; Investments other than investments accounted for using equity method] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for the purchases of property, plant and equipment, classified as investing activities. [Refer: Property, plant and equipment] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 16 -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_16_a&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for repayments of bonds, notes and debentures. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 17 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_17&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for repayments of subordinated liabilities. [Refer: Subordinated liabilities] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 17 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_17&doctype=Standard -URIDate 2024-03-27 + Details
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