v3.25.4
Net interest income - Summary of net interest income (Details) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Net interest income [abstract]      
Interest income on loans € 30,961 € 34,146 € 32,021
Interest income on debt securities at amortised cost 1,333 1,204 877
Interest income on financial assets at fair value through OCI 1,790 1,481 1,078
Interest income on non-trading derivatives (hedge accounting) 9,676 12,644 10,682
Total interest income using effective interest rate method 43,760 49,474 44,658
Interest income on financial assets at fair value through profit or loss 5,401 6,343 4,934
Interest income on non-trading derivatives (no hedge accounting) 2,044 3,168 2,637
Interest income other 123 173 171
Total other interest income 7,568 9,685 7,741
Total interest income 51,327 59,159 52,399
Interest expense on deposits 12,843 15,105 11,940
Interest expense on debt securities in issue 5,105 5,254 4,014
Interest expense on subordinated loans 813 753 708
Interest expense on non-trading derivatives (hedge accounting) 10,957 13,767 11,849
Total interest expense using effective interest rate method 29,718 34,878 28,510
Interest expense on financial liabilities at fair value through profit or loss 4,419 5,479 4,410
Interest expense on non-trading derivatives (no hedge accounting) 2,059 3,308 3,131
Interest expense on lease liabilities 27 27 28
Interest expense other 148 178 157
Total other interest expense 6,653 8,993 7,726
Total interest expense 36,371 43,871 36,237
Net interest income 20 14,957 15,288 16,162
Negative interest income on liabilities (11) (7) (19)
Negative interest expense on assets € 12 € 1 € 0