v3.25.4
Risk management - Changes in gross carrying amounts and loan loss provisions (Details) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Provisions    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January € (6,049)  
Increase in loan loss provisions 1,304 € 1,194
Closing balance (6,101) (6,049)
Provisions | IFRS-9 Eligible Financial Assets    
Disclosure of credit risk exposure [line items]    
Financial assets that have been derecognised 1,301 1,170
Provisions | Non-Credit Replacement Guarantees    
Disclosure of credit risk exposure [line items]    
Increase in loan loss provisions (5) 9
Provisions | Modification gains and losses on restructured financial assets    
Disclosure of credit risk exposure [line items]    
Increase in loan loss provisions 8 15
Loans | Gross carrying amount    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 1,048,574 1,025,043
Net remeasurement of loan loss provisions
New financial assets originated or purchased 263,393 212,516
Financial assets that have been derecognised (132,814) (140,148)
Net drawdowns and repayments (64,085) (46,465)
Changes in models/risk parameters
Write-offs (937) (1,017)
Disposals (1,314) (1,355)
Recoveries of amounts previously written off
Negative revaluation 22,591
Closing balance 1,135,409 1,048,574
Loans | Gross carrying amount | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers
Loans | Gross carrying amount | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers
Loans | Gross carrying amount | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers
Loans | Gross carrying amount | Not credit-impaired | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 954,943 937,633
Net remeasurement of loan loss provisions
New financial assets originated or purchased 263,371 212,516
Financial assets that have been derecognised (119,098) (126,858)
Net drawdowns and repayments (57,493) (41,763)
Changes in models/risk parameters
Write-offs
Disposals (666) (935)
Recoveries of amounts previously written off
Negative revaluation 21,242
Closing balance 1,044,332 954,943
Loans | Gross carrying amount | Not credit-impaired | 12-month expected credit losses | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers 21,773 20,486
Loans | Gross carrying amount | Not credit-impaired | 12-month expected credit losses | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers (37,208) (43,155)
Loans | Gross carrying amount | Not credit-impaired | 12-month expected credit losses | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers (2,534) (2,980)
Loans | Gross carrying amount | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 79,888 75,454
Net remeasurement of loan loss provisions
New financial assets originated or purchased
Financial assets that have been derecognised (12,295) (11,840)
Net drawdowns and repayments (5,739) (4,393)
Changes in models/risk parameters
Write-offs
Disposals (84) (141)
Recoveries of amounts previously written off
Negative revaluation 1,269
Closing balance 77,487 79,888
Loans | Gross carrying amount | Not credit-impaired | Lifetime expected credit losses | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers (21,555) (20,236)
Loans | Gross carrying amount | Not credit-impaired | Lifetime expected credit losses | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers 38,174 43,900
Loans | Gross carrying amount | Not credit-impaired | Lifetime expected credit losses | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers (2,172) (2,856)
Loans | Gross carrying amount | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 13,742 11,956
Net remeasurement of loan loss provisions
New financial assets originated or purchased 22
Financial assets that have been derecognised (1,422) (1,450)
Net drawdowns and repayments (853) (309)
Changes in models/risk parameters
Write-offs (937) (1,017)
Disposals (564) (279)
Recoveries of amounts previously written off
Negative revaluation 80
Closing balance 13,590 13,742
Loans | Gross carrying amount | Credit impaired | Lifetime expected credit losses | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers (218) (249)
Loans | Gross carrying amount | Credit impaired | Lifetime expected credit losses | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers (966) (745)
Loans | Gross carrying amount | Credit impaired | Lifetime expected credit losses | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers 4,705 5,836
Loans | Provisions    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (6,049) (5,839)
Net remeasurement of loan loss provisions 302 (133)
New financial assets originated or purchased (191) (192)
Financial assets that have been derecognised 465 485
Changes in models/risk parameters (3) 20
Increase in loan loss provisions 1,296 1,179
Write-offs 937 1,017
Disposals 291 225
Recoveries of amounts previously written off 58 69
Negative revaluation 73 (203)
Closing balance (6,101) (6,049)
Loans | Provisions | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers 212 207
Loans | Provisions | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers (368) (285)
Loans | Provisions | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers (1,108) (1,548)
Loans | Provisions | Not credit-impaired | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (409) (517)
Net remeasurement of loan loss provisions 7 (181)
New financial assets originated or purchased (189) (192)
Financial assets that have been derecognised 78 76
Changes in models/risk parameters 33 (8)
Increase in loan loss provisions 43 (102)
Write-offs
Disposals 3 1
Recoveries of amounts previously written off
Negative revaluation 4 5
Closing balance (446) (409)
Loans | Provisions | Not credit-impaired | 12-month expected credit losses | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers (21) (22)
Loans | Provisions | Not credit-impaired | 12-month expected credit losses | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers 50 49
Loans | Provisions | Not credit-impaired | 12-month expected credit losses | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers 14 18
Loans | Provisions | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (1,130) (1,435)
Net remeasurement of loan loss provisions (53) (137)
New financial assets originated or purchased
Financial assets that have been derecognised 147 153
Changes in models/risk parameters (71) 6
Increase in loan loss provisions 68 (297)
Write-offs
Disposals 3 8
Recoveries of amounts previously written off
Negative revaluation 16
Closing balance (1,179) (1,130)
Loans | Provisions | Not credit-impaired | Lifetime expected credit losses | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers 199 195
Loans | Provisions | Not credit-impaired | Lifetime expected credit losses | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers (533) (429)
Loans | Provisions | Not credit-impaired | Lifetime expected credit losses | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers 138 235
Loans | Provisions | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (4,509) (3,887)
Net remeasurement of loan loss provisions 349 185
New financial assets originated or purchased (2)
Financial assets that have been derecognised 240 257
Changes in models/risk parameters 35 22
Increase in loan loss provisions 1,185 1,578
Write-offs 937 1,017
Disposals 286 215
Recoveries of amounts previously written off 58 69
Negative revaluation 53 (208)
Closing balance (4,476) (4,509)
Loans | Provisions | Credit impaired | Lifetime expected credit losses | Transfer into 12-month ECL (Stage 1)    
Disclosure of credit risk exposure [line items]    
Transfers 35 34
Loans | Provisions | Credit impaired | Lifetime expected credit losses | Transfer into lifetime ECL not credit impaired (Stage 2)    
Disclosure of credit risk exposure [line items]    
Transfers 115 96
Loans | Provisions | Credit impaired | Lifetime expected credit losses | Transfer into lifetime ECL credit impaired (Stage 3)    
Disclosure of credit risk exposure [line items]    
Transfers (1,259) (1,802)
Loans | Provisions | Purchased credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (21)  
Closing balance € (29) € (21)