BNG Bank N.V. financials
BNG Bank N.V.
Country: NL Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
529900GGYMNGRQTDOO93 Financial statements
(EUR, as reported — unscaled; 103 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Administrative expenses | €52.0M | €47.0M |
| Operating expenses | €173.0M | €152.0M |
| Employee benefits expense | €119.0M | €101.0M |
| Net finance income / (cost) | -€31.0M | -€15.0M |
| Profit before tax | €240.0M | €403.0M |
| Income tax expense | €68.0M | €109.0M |
| Profit for the year | €172.0M | €294.0M |
| — attributable to owners | €158.0M | €279.0M |
| Total comprehensive income | €240.0M | €191.0M |
| Cash flow statement | ||
| Net cash from operating activities | €1.31B | €1.84B |
| Income taxes paid | €43.0M | €88.0M |
| Net cash from investing activities | €793.0M | -€735.0M |
| Purchase of PP&E (capex) | €26.0M | €5.0M |
| Net cash from financing activities | -€6.89B | €3.90B |
| Balance sheet | ||
| Total assets | €115.56B | €127.94B |
| Property, plant & equipment | €42.0M | €17.0M |
| Cash & equivalents | €1.83B | €6.63B |
| Total equity | €4.86B | €4.78B |
| — attributable to owners | €4.55B | €4.47B |
| Deferred tax liabilities | €3.0M | €39.0M |
| Derived metrics | ||
| Free cash flow | €1.28B | €1.84B |
| Return on equity | 3.5% | 6.2% |
| Cash conversion ratio | 7.60× | 6.26× |
| Capex coverage | 50.31× | 368.20× |
| Other reported items | ||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | -€10.71B | -€2.95B |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€982.0M | -€1.91B |
| Adjustments For Depreciation Expense | €2.0M | €4.0M |
| Adjustments For Fair Value Gains Losses | €24.0M | -€4.0M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €39.0M | -€34.0M |
| Adjustments For Increase Decrease In Deposits From Customers | -€1.52B | €687.0M |
| Cash and Bank Balances At Central Banks | €1.83B | €6.63B |
| Cash Collateral Pledged Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial Liabilities | €3.72B | €3.54B |
| Cash Collateral Received Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial Assets | €710.0M | €1.53B |
| Comprehensive Income Attributable To Owners of Parent | €226.0M | €176.0M |
| Current Tax Assets | €0 | €55.0M |
| Current Tax Liabilities | €30.0M | €0 |
| Debt Securities | €94.38B | €103.38B |
| Deposits From Customers | €9.02B | €10.52B |
| Depreciation Expense | €2.0M | €4.0M |
| Derivative Financial Assets | €2.14B | €3.98B |
| Derivative Financial Liabilities | €5.01B | €5.55B |
| Dividends Paid To Equity Holders of Parent Classified As Financing Activities | €140.0M | €120.0M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €1.41 | — |
| Dividends Recognised As Distributions To Owners of Parent | €140.0M | €120.0M |
| Dividends Recognised As Distributions To Owners Per Share | — | €2.51 |
| Equity and Liabilities | €115.56B | €127.94B |
| Fee and Commission Expense | €2.0M | €4.0M |
| Fee and Commission Income | €25.0M | €34.0M |
| Fee and Commission Income Expense | €23.0M | €30.0M |
| Financial Assets At Amortised Cost | €8.11B | €9.13B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €11.79B | €11.32B |
| Financial Assets At Fair Value Through Profit Or Loss | €285.0M | €757.0M |
| Financial Liabilities At Fair Value Through Profit Or Loss | €232.0M | €254.0M |
| Gains Losses On Cash Flow Hedges Net of Tax | -€22.0M | €3.0M |
| Gains Losses On Change In Value of Foreign Currency Basis Spreads Net of Tax | -€93.0M | €62.0M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | €177.0M | -€181.0M |
| Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €41.0M | -€35.0M |
| Increase Decrease In Cash and Cash Equivalents | -€4.79B | €5.01B |
| Increase Decrease Through Appropriation of Retained Earnings | €0 | €0 |
| Interest Expense | €4.95B | €6.41B |
| Interest Paid Classified As Operating Activities | €6.13B | €6.76B |
| Interest Received Classified As Operating Activities | €6.84B | €7.91B |
| Interest Revenue Calculated Using Effective Interest Method | €5.21B | €6.69B |
| Interest Revenue Expense | €496.0M | €536.0M |
| Investments In Joint Ventures Accounted For Using Equity Method | €5.0M | €16.0M |
| Issued Capital | €139.0M | €139.0M |
| Liabilities | €110.70B | €123.16B |
| Loans and Advances To Banks | €704.0M | €804.0M |
| Loans and Advances To Customers | €97.63B | €94.54B |
| Miscellaneous Other Operating Expense | €0 | €0 |
| Other Assets | €24.0M | €104.0M |
| Other Comprehensive Income | €68.0M | -€103.0M |
| Other Comprehensive Income Net of Tax Cash Flow Hedges | -€22.0M | €3.0M |
| Other Comprehensive Income Net of Tax Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | -€3.0M | €5.0M |
| Other Comprehensive Income Net of Tax Change In Value of Foreign Currency Basis Spreads | -€96.0M | €53.0M |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €189.0M | -€164.0M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €71.0M | -€108.0M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -€3.0M | €5.0M |
| Other Expense By Nature | €75.0M | -€3.0M |
| Other Inflows Outflows of Cash Classified As Operating Activities | -€29.0M | €286.0M |
| Other Liabilities | €180.0M | €230.0M |
| Other Operating Income Expense | €0 | €1.0M |
| Proceeds From Issue of Bonds Notes and Debentures | €315.93B | €342.74B |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €2.08B | €1.73B |
| Proceeds From Sales Or Maturity of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €463.0M | €182.0M |
| Provisions | €16.0M | €4.0M |
| Purchase of Financial Assets Measured At Amortised Cost Classified As Investing Activities | €1.33B | €1.73B |
| Purchase of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €3.97B | €4.80B |
| Purchase of Financial Assets Measured At Fair Value Through Profit Or Loss Classified As Investing Activities | €5.0M | €7.0M |
| Reclassification Adjustments On Cash Flow Hedges Net of Tax | €0 | €0 |
| Reclassification Adjustments On Change In Value of Foreign Currency Basis Spreads Net of Tax | €3.0M | €9.0M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Net of Tax | -€12.0M | -€17.0M |
| Repayments of Bonds Notes and Debentures | €322.67B | €338.70B |
| Reserve of Cash Flow Hedges | -€13.0M | €9.0M |
| Reserve of Change In Fair Value of Financial Liability Attributable To Change In Credit Risk of Liability | €6.0M | €9.0M |
| Reserve of Change In Value of Foreign Currency Basis Spreads | -€2.0M | €94.0M |
| Retained Earnings Excluding Profit Loss For Reporting Period | €4.23B | €4.09B |
| Retained Earnings Profit Loss For Reporting Period | €172.0M | €294.0M |
| Revaluation Surplus | €17.0M | -€172.0M |
| Revenue and Operating Income | €488.0M | €552.0M |
| Revenue From Interest | €5.45B | €6.95B |
| Share Premium | €6.0M | €6.0M |
| Subordinated Liabilities | €21.0M | €19.0M |
Methodology
Every line item above is a fact tagged in BNG Bank N.V.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.