v3.25.4
Note 23 Variation in liabilities under Insurance and Reinsurance contracts by valuation components (Details) - EUR (€)
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Variation in liabilities under insurance and reinsurance contracts [Line Items]      
Liabilities under insurance and reinsurance contracts by valuation component € 10,084,000,000 € 11,118,000,000 € 9,303,000,000
Insurance service result (765,000,000) (318,000,000) (406,000,000)
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) (1,293,000,000) (1,267,000,000) (960,000,000)
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) (262,000,000) (24,000,000) 0
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) 791,000,000 974,000,000 554,000,000
Financial income (expense) from insurance contracts 1,368,000,000 (406,000,000) 564,000,000
Exchange rate differences from insurance and reinsurance contracts by valuation component 308,000,000 (721,000,000) 1,035,000,000
Cash flows from insurance and reinsurance contracts by valuation component 746,000,000 411,000,000 623,000,000
Liabilities under insurance and reinsurance contracts by valuation component 11,742,000,000 10,084,000,000 11,118,000,000
Estimates of present value of future cash flows [member]      
Variation in liabilities under insurance and reinsurance contracts [Line Items]      
Liabilities under insurance and reinsurance contracts by valuation component 8,710,000,000 9,738,000,000 8,056,000,000
Insurance service result (806,000,000) (345,000,000) (384,000,000)
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) (974,000,000) (969,000,000) (749,000,000)
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) (623,000,000) (350,000,000) (189,000,000)
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) 791,000,000 974,000,000 554,000,000
Financial income (expense) from insurance contracts 1,305,000,000 (457,000,000) 508,000,000
Exchange rate differences from insurance and reinsurance contracts by valuation component 280,000,000 (636,000,000) 935,000,000
Cash flows from insurance and reinsurance contracts by valuation component 746,000,000 411,000,000 623,000,000
Liabilities under insurance and reinsurance contracts by valuation component 10,235,000,000 8,710,000,000 9,738,000,000
Risk adjustment for non-financial risk [Member]      
Variation in liabilities under insurance and reinsurance contracts [Line Items]      
Liabilities under insurance and reinsurance contracts by valuation component 150,000,000 167,000,000 150,000,000
Insurance service result (19,000,000) (17,000,000) 0
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) (33,000,000) (29,000,000) (26,000,000)
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) 15,000,000 12,000,000 26,000,000
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) 0 0 0
Financial income (expense) from insurance contracts 13,000,000 3,000,000 11,000,000
Exchange rate differences from insurance and reinsurance contracts by valuation component (1,000,000) (3,000,000) 6,000,000
Cash flows from insurance and reinsurance contracts by valuation component 0 0 0
Liabilities under insurance and reinsurance contracts by valuation component 143,000,000 150,000,000 167,000,000
Contractual service margin [member]      
Variation in liabilities under insurance and reinsurance contracts [Line Items]      
Liabilities under insurance and reinsurance contracts by valuation component 1,224,000,000 1,213,000,000 1,097,000,000
Insurance service result 60,000,000 44,000,000 (23,000,000)
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) (285,000,000) (270,000,000) (185,000,000)
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) 346,000,000 314,000,000 163,000,000
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) 0 0 0
Financial income (expense) from insurance contracts 50,000,000 49,000,000 45,000,000
Exchange rate differences from insurance and reinsurance contracts by valuation component 29,000,000 (82,000,000) 94,000,000
Cash flows from insurance and reinsurance contracts by valuation component 0 0 0
Liabilities under insurance and reinsurance contracts by valuation component € 1,363,000,000 € 1,224,000,000 € 1,213,000,000