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v3.25.2

Consolidated consolidated statement of cash flows - EUR (€) € in Millions | 6 Months Ended | 12 Months Ended
--- | --- | ---
Jun. 30, 2025 | Jun. 30, 2024 | Dec. 31, 2024
Cash flows from operating activities |  |  |  |
Result before tax |  | € 5,558 | € 6,373 |
Adjusted for: |  |  |  |
– Depreciation and amortisation |  | 330 | 331 |
– Addition to loan loss provisions |  | 612 | 559 |
– Revaluations |  | 613 | (80) |
– Exchange rate differences and other |  | (2,519) | 1,858 |
Taxation paid |  | (1,129) | (1,307) |
Changes in: |  |  |  |
– Loans and advances to banks, not available on demand |  | (19,168) | (5,222) |
– Deposits from banks, not payable on demand |  | (529) | (6,181) |
– Trading assets |  | 8,242 | (12,975) |
– Trading liabilities |  | (8,868) | (3,485) |
– Loans and advances to customers |  | (22,641) | (13,819) |
– Customer deposits |  | 53,363 | 41,652 |
– Non–trading derivatives |  | 2,108 | (647) |
– Assets designated at fair value through profit or loss |  | 914 | 769 |
– Assets mandatorily at fair value through profit or loss |  | (28,235) | (14,427) |
– Other assets |  | (2,108) | (1,200) |
– Other financial liabilities at fair value through profit or loss |  | 19,050 | 11,874 |
– Provisions and other liabilities |  | 4,899 | 1,875 |
Net cash flow from/(used in) operating activities |  | 10,491 | 5,948 |
Investments and advances: |  |  |  |
- Associates and joint ventures |  | (1) | (22) |
- Financial assets at fair value through other comprehensive income |  | (11,324) | (11,040) |
– Securities at amortised cost | [1] | (81,126) | (48,584) |
– Property and equipment |  | (124) | (172) |
– Other investments |  | (200) | (152) |
Disposals and redemptions: |  |  |  |
– Associates and joint ventures |  | 116 | 44 |
– Disposal of subsidiaries, net of cash disposed |  |  |  |
- Financial assets at fair value through other comprehensive income |  | 7,144 | 5,921 |
– Securities at amortised cost | [1] | 76,653 | 47,439 |
– Property and equipment |  | 26 | 24 |
– Other investments |  | 6 | 10 |
Net cash flow from/(used in) investing activities |  | (8,829) | (6,532) |
Cash flows from financing activities |  |  |  |
Proceeds from debt securities | [1] | 80,301 | 65,628 |
Repayments of debt securities | [1] | (65,413) | (50,636) |
Proceeds from issuance of subordinated loans |  | 1,232 | 2,385 |
Repayments of subordinated loans |  | (1,818) | (1,970) |
Repayments of principal portion of lease liabilities |  | (143) | (136) |
Purchase/sale of treasury shares |  | (2,047) | (1,573) |
Dividends paid |  | (2,843) | (2,750) |
Net cash flow from/(used in) financing activities |  | 9,268 | 10,948 |
Net cash flow |  | 10,931 | 10,364 |
Cash and cash equivalents at beginning of the period |  | 69,069 | 93,012 | € 93,012
Effect of exchange rate changes on cash and cash equivalents |  | (610) | (1,366) |
Cash and cash equivalents at end of the period |  | 79,389 | 102,010 | 69,069
Cash and cash equivalents |  |  |  |
Treasury bills and other eligible bills included in securities at AC |  | 77 | 23 |
Deposits from banks |  | (11,093) | (8,498) |
Loans and advances to banks |  | 14,841 | 13,412 |
Cash and balances with central banks |  | 75,565 | 97,073 | 70,353
Cash and cash equivalents at end of the period |  | € 79,389 | € 102,010 | € 69,069
[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 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 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 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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