v3.25.4
Note 7 Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty (Details) - EUR (€)
€ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Government [member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk € (25,924) € (22,133) € (23,294)
Allowance account for credit losses of financial assets 18 23 29
Loans and advances to customers 25,905 22,111 23,265
Other financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (23,547) (17,524) (13,271)
Allowance account for credit losses of financial assets 25 26 20
Loans and advances to customers 23,522 17,497 13,251
Non financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (221,504) (197,521) (175,337)
Allowance account for credit losses of financial assets 4,113 4,134 4,274
Loans and advances to customers 217,390 193,386 171,063
Households [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (201,723) (186,910) (177,009)
Allowance account for credit losses of financial assets 8,140 7,427 6,946
Loans and advances to customers 193,583 179,483 170,063
Loans and advances to customers [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (472,697) (424,087) (388,912)
Allowance account for credit losses of financial assets 12,297 11,611 11,269
Loans and advances to customers 460,401 412,477 377,643
Stage 1 [Member] | Government [member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (25,829) (21,982) (23,105)
Allowance account for credit losses of financial assets 9 8 9
Loans and advances to customers 25,820 21,974 23,096
Stage 1 [Member] | Other financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (23,435) (17,040) (13,072)
Allowance account for credit losses of financial assets 16 13 9
Loans and advances to customers 23,419 17,027 13,062
Stage 1 [Member] | Non financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (204,454) (179,727) (154,519)
Allowance account for credit losses of financial assets 591 639 517
Loans and advances to customers 203,862 179,087 154,002
Stage 1 [Member] | Households [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (173,907) (159,355) (145,837)
Allowance account for credit losses of financial assets 1,808 1,729 1,552
Loans and advances to customers 172,100 157,627 144,285
Stage 1 [Member] | Loans and advances to customers [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (427,625) (378,104) (336,533)
Allowance account for credit losses of financial assets 2,424 2,389 2,087
Loans and advances to customers 425,200 375,715 334,446
Stage 2 [Member] | Government [member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (77) (125) (164)
Allowance account for credit losses of financial assets 2 7 12
Loans and advances to customers 75 118 152
Stage 2 [Member] | Other financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (101) (471) (187)
Allowance account for credit losses of financial assets 1 5 4
Loans and advances to customers 100 467 183
Stage 2 [Member] | Non financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (11,932) (12,780) (15,299)
Allowance account for credit losses of financial assets 561 636 795
Loans and advances to customers 11,371 12,143 14,503
Stage 2 [Member] | Households [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (18,617) (18,396) (22,286)
Allowance account for credit losses of financial assets 1,324 1,199 1,214
Loans and advances to customers 17,293 17,197 21,071
Stage 2 [Member] | Loans and advances to customers [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (30,727) (31,772) (37,935)
Allowance account for credit losses of financial assets 1,887 1,847 2,026
Loans and advances to customers 28,840 29,925 35,909
Stage 3 [Member] | Government [member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (18) (26) (25)
Allowance account for credit losses of financial assets 8 8 7
Loans and advances to customers 10 18 18
Stage 3 [Member] | Other financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (11) (12) (12)
Allowance account for credit losses of financial assets 7 9 7
Loans and advances to customers 3 4 6
Stage 3 [Member] | Non financial corporations [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (5,118) (5,014) (5,520)
Allowance account for credit losses of financial assets 2,961 2,859 2,962
Loans and advances to customers 2,157 2,156 2,558
Stage 3 [Member] | Households [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (9,199) (9,158) (8,886)
Allowance account for credit losses of financial assets 5,008 4,499 4,180
Loans and advances to customers 4,190 4,659 4,706
Stage 3 [Member] | Loans and advances to customers [Member]      
Maximum credit risk exposure to customers [Line Items]      
Maximum exposure to credit risk (14,346) (14,211) (14,444)
Allowance account for credit losses of financial assets 7,985 7,374 7,156
Loans and advances to customers € 6,361 € 6,837 € 7,287