Group Annual Report 2025

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The adjustments to the previous year’s consolidated cash flow statement result from:

  • the change in accounting policies, as discussed in the chapter of the same name in the Notes,

  • a change in the presentation of interest for financial assets and

  • a further development of the determination methodology applied, which has been refined both conceptually and through additional technical analyses in order to ensure a more appropriate and consistent allocation of cash flows to the individual cash flow items. The adjustments made serve to improve the informative value and transparency of the cash flow statement.

Consolidated cash flow statement – composition

Composition

31/12/2025

31/12/2024

in EUR ‘000

 

 

Cash and cash equivalents according to the consolidated balance sheet

1,368,363

1,748,124

Cash and cash equivalents of disposal groups held for sale

2,623

0

Total cash and cash equivalents

1,370,986

1,748,124

Cash and cash equivalents include liquid money and daily maturing cash.

Development of cash and chash equivalents

Development

2025

2024

in EUR ‘000

 

 

Cash and cash equivalents at beginning of period

1,748,124

1,558,107

Change in cash and cash equivalents

-362,939

194,139

Changes in scope of consolidation

6,297

9,512

Exchange rate differences on cash and cash equivalents

-20,496

-13,634

Cash and cash equivalents at end of period

1,370,986

1,748,124

Consolidated cash flow statement

Change in cash and cash equivalents

2025

2024 adjusted

in EUR ‘000

 

 

Result for the period

858,328

647,552

Amortisation, valuation and exchange rate differences of financial instruments

-1,211,580

-772,148

Impairments of goodwill, Impairments of intangible assets and Reversal of impairments from intangible assets

96,336

116,403

Scheduled depreciation of intangible assets

117,800

114,403

Scheduled depreciation of right-of-use assets

42,132

39,786

Scheduled depreciation of tangible assets (excluding real estate)

48,672

40,332

Result from disposal of subsidiaries

-9,168

0

Result from the disposals and depreciation of property

127,163

86,582

Result from the disposal of financial assets incl. derivatives

-58,304

-19,476

Share of profit of at equity accounted companies

-27,096

-27,001

Dividends received included in the result for the period

-76,607

-79,717

Interest included in the result for the period

-1,046,046

-979,128

Taxes

302,989

234,254

Adjusted result for the period

-835,381

-598,158

Changes in:

1,726,296

1,055,107

Financial assets incl. derivatives

10,598

203,582

(Re-)Insurance contracts

1,601,779

873,940

Contract assets and liabilities (IFRS 15)

25,897

28,036

Right-of-use assets and lease receivables and liabilities

6,595

-103

Receivables and liabilities (excl. leases)

60,093

-9,206

Intangible assets

1,362

2,411

Property

-10,838

-2,034

Other balance sheet items (other assets, tangible assets (excl. property) and other liabilities)

-74,813

-49,534

Provisions

105,623

8,015

Other non-cash income and expenses*

41,497

369

Paid and received income tax

-90,156

-111,269

Cash flow from operating activities

842,256

346,049

Received interest

979,481

938,432

Received dividends

76,607

79,717

Paid and received income tax

-7,130

0

Cash inflow from sale of subsidiaries

17,700

0

Payments for the acquisition of investments in associcates (equity-method)

-21,576

0

Cash inflow from sale of financial instruments

11,290,420

9,154,001

Payments for the acquisition of financial instruments

-12,926,340

-9,558,124

Cash inflow from the sale of property

5,346

2,452

Payments for the acquisition of property

-207,872

-223,761

Cash inflow from the sale of intangible assets

8,308

4,748

Payments for the acquisition of intangible assets

-158,095

-139,742

Cash flow from investment activities

-943,151

257,723

Cash inflows from subordinated liabilities

300,000

0

Payments from subordinated liabilities

-145,217

-91,748

Cash inflows from financial liabilities excl. subordinated liabilities and lease liabilities

4

90

Payments from financial liabilities excl. subordinated liabilities and lease liabilities

-83,885

-10,951

Payments from lease liabilities

-48,793

-44,245

Paid dividends

-222,372

-199,849

Paid interest

-60,110

-62,930

Paid and received income tax

-1,671

0

Cash flow from financing activities

-262,044

-409,633

Change in cash and cash equivalents

-362,939

194,139

*

The non-cash income and expenses are primarily exchange rate changes.

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