v3.25.4
Risk management - Quantitative SICR thresholds (Details)
€ in Millions
12 Months Ended
Dec. 31, 2025
EUR (€)
Dec. 31, 2024
EUR (€)
Disclosure of financial assets [line items]    
Total ECL collective assessment € 1,501 € 1,328
Upside scenario    
Disclosure of financial assets [line items]    
Total ECL collective assessment for performing assets € 1,159  
Change in average threshold ratio 0.30%  
Downside scenario    
Disclosure of financial assets [line items]    
Total ECL collective assessment for performing assets € 2,193  
Change in average threshold ratio (1.60%)  
Mortgages | Investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.9 2.9
Mortgages | Non-investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.4 2.4
Consumer lending | Investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.9 2.8
Consumer lending | Non-investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.3 2.1
Business lending | Investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.7 2.7
Business lending | Non-investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.0 2.1
Governments and financial institutions | Investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.9 2.9
Governments and financial institutions | Non-investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 1.8 1.9
Other Wholesale Banking | Investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 2.7 2.7
Other Wholesale Banking | Non-investment grade    
Disclosure of financial assets [line items]    
Average threshold ratio 1.9 1.9