v3.25.4
Segments - Summary of segments banking (Details) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disclosure of operating segments [line items]      
Net interest income € 14,957 € 15,288 € 16,162
Net fee and commission income 4,602 4,008 3,595
Share of result from associates and joint ventures 8 209 205 149
– of which revaluations and trading income 5,789 1,614 (1,732)
Total revenue 25,678 21,087 18,121
Regulatory costs 866 882 1,042
Addition to loan loss provisions 1,304 1,194 520
Total expenses 13,887 13,315 12,084
Result before tax 11,791 7,772 6,037
Taxation 3,192 2,181 1,662
Non-controlling interests 275 258 235
Net result 8,324 5,334 4,140
EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Taxation (647) 470 1,308
Net result (1,996) 1,058 3,147
Segments banking activities      
Disclosure of operating segments [line items]      
Net result 8,324 5,334 4,140
Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 14,681 15,023 15,976
Net fee and commission income 4,602 4,008 3,595
Total investment and other income 3,752 3,584 3,005
Share of result from associates and joint ventures 8 200 170 144
– of which revaluations and trading income 3,421 3,407 2,910
Total revenue 23,035 22,615 22,575
Operating expense 12,583 12,121 11,564
Regulatory costs 866 882 1,042
Addition to loan loss provisions 1,304 1,194 520
Total expenses 13,887 13,315 12,084
Result before tax 9,148 9,300 10,492
Taxation 2,545 2,650 2,970
Non-controlling interests 275 258 235
Net result 6,327 6,392 7,287
Segments banking activities | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 1,996 (1,058) (3,147)
Retail Netherlands      
Disclosure of operating segments [line items]      
Non-controlling interests   0  
Retail Netherlands | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 2,040 2,070 2,121
Retail Netherlands | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 3,115 3,027 3,096
Net fee and commission income 1,128 1,049 959
Total investment and other income 726 835 945
Share of result from associates and joint ventures 8 (8)    
– of which revaluations and trading income 689 810 898
Total revenue 4,968 4,910 5,001
Operating expense 2,089 2,124 2,135
Regulatory costs 67 114 212
Addition to loan loss provisions 107 (8) 5
Total expenses 2,196 2,117 2,140
Result before tax 2,773 2,793 2,861
Taxation 733 723 740
Non-controlling interests 0   0
Net result 2,040 2,070 2,121
Retail Belgium      
Disclosure of operating segments [line items]      
Non-controlling interests   0  
Retail Belgium | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 466 597 479
Retail Belgium | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 1,786 1,959 2,063
Net fee and commission income 692 603 502
Total investment and other income 197 189 117
Share of result from associates and joint ventures 8 119 81
– of which revaluations and trading income 118 81 61
Total revenue 2,674 2,751 2,683
Operating expense 1,878 1,811 1,852
Regulatory costs 261 206 211
Addition to loan loss provisions 153 134 169
Total expenses 2,031 1,944 2,022
Result before tax 644 807 661
Taxation 178 210 182
Non-controlling interests 0   0
Net result 466 597 479
Retail Germany | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 983 949 1,159
Retail Germany | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,457 2,647 2,862
Net fee and commission income 632 433 357
Total investment and other income (98) (173) (67)
– of which revaluations and trading income (112) (160) (57)
Total revenue 2,991 2,906 3,152
Operating expense 1,362 1,303 1,243
Regulatory costs 32 88 96
Addition to loan loss provisions 171 149 119
Total expenses 1,533 1,452 1,362
Result before tax 1,457 1,455 1,790
Taxation 472 505 631
Non-controlling interests 2 1 0
Net result 983 949 1,159
Retail Other | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 1,058 1,002 908
Retail Other | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 3,892 3,817 3,437
Net fee and commission income 717 609 519
Total investment and other income 299 263 277
Share of result from associates and joint ventures 8 11 8 7
– of which revaluations and trading income 257 253 264
Total revenue 4,908 4,688 4,233
Operating expense 2,905 2,792 2,479
Regulatory costs 287 261 252
Addition to loan loss provisions 323 291 313
Total expenses 3,228 3,083 2,792
Result before tax 1,680 1,605 1,441
Taxation 398 381 359
Non-controlling interests 225 221 174
Net result 1,058 1,002 908
Wholesale Banking | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 2,624 2,796 3,836
Wholesale Banking | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 1,996 (1,058) (3,147)
Wholesale Banking | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 3,899 1,010 (272)
Wholesale Banking | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,997 3,259 4,028
Net fee and commission income 1,433 1,317 1,259
Total investment and other income 2,579 2,405 1,771
Share of result from associates and joint ventures 8 (56) (36) 31
– of which revaluations and trading income 2,571 2,478 1,730
Total revenue 7,009 6,981 7,057
Operating expense 3,837 3,558 3,313
Regulatory costs 219 212 271
Addition to loan loss provisions 549 627 (92)
Total expenses 4,386 4,185 3,222
Result before tax 2,624 2,796 3,836
Taxation 673 693 900
Non-controlling interests 48 35 61
Net result 1,902 2,068 2,875
Wholesale Banking | Segments banking activities | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 1,996 (1,058) (3,147)
Corporate Line      
Disclosure of operating segments [line items]      
Non-controlling interests   0  
Corporate Line | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax (30) (156) (97)
Corporate Line | Segments banking activities      
Disclosure of operating segments [line items]      
Net result (121) (294) (255)
Corporate Line | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 434 315 489
Net fee and commission income 1 (3) (1)
Total investment and other income 49 66 (38)
Share of result from associates and joint ventures 8 133 118 107
– of which revaluations and trading income (102) (55) 13
Total revenue 484 378 450
Operating expense 512 533 542
Regulatory costs   1  
Addition to loan loss provisions 1 1 5
Total expenses 513 534 547
Result before tax (30) (156) (97)
Taxation 92 138 158
Non-controlling interests 0   0
Net result € (121) € (294) € (255)