v3.25.4
Segments - Summary of geographical 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
Total revenue 25,678 21,087 18,121
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
Segments banking activities      
Disclosure of operating segments [line items]      
Net result 8,324 5,334 4,140
Net Results IFRS-EU | Segments banking activities      
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
Total revenue 23,035 22,615 22,575
Operating expense 12,583 12,121 11,564
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
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
EU IAS 39 carve out impact | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 1,996 (1,058) (3,147)
Retail Netherlands      
Disclosure of operating segments [line items]      
Net result 3,255 2,591 2,499
Retail Belgium      
Disclosure of operating segments [line items]      
Net result 1,231 492 (123)
Retail Germany      
Disclosure of operating segments [line items]      
Net result 1,596 319 (326)
Other Challengers      
Disclosure of operating segments [line items]      
Net result 654 576 649
Growth markets      
Disclosure of operating segments [line items]      
Net result 797 777 690
Wholesale Banking Rest of World      
Disclosure of operating segments [line items]      
Net result 911 865 988
Other      
Disclosure of operating segments [line items]      
Net result (121) (286) (237)
Geographical Segments Banking | 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
– of which 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
Geographical Segments Banking | EU IAS 39 carve out impact | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 1,996 (1,058) (3,147)
Geographical Segments Banking | Retail Netherlands | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,925 3,063 3,773
Net fee and commission income 1,387 1,329 1,239
Total investment and other income 2,079 1,889 1,627
Share of result from associates and joint ventures 8 1 (45) 31
– of which revaluations and trading income 2,072 1,916 1,568
Total revenue 6,392 6,282 6,639
Operating expense 3,067 3,026 3,065
– of which Regulatory costs 112 159 296
Addition to loan loss provisions 168 42 (111)
Total expenses 3,235 3,068 2,954
Result before tax 3,157 3,213 3,685
Taxation 833 847 909
Net result 2,324 2,367 2,776
Geographical Segments Banking | Retail Netherlands | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 931 225 (277)
Geographical Segments Banking | Retail Belgium | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,277 2,478 2,712
Net fee and commission income 948 832 715
Total investment and other income 198 207 145
Share of result from associates and joint ventures 8 54 87  
– of which revaluations and trading income 137 119 95
Total revenue 3,422 3,517 3,573
Operating expense 2,260 2,170 2,195
– of which Regulatory costs 285 228 243
Addition to loan loss provisions 298 148 139
Total expenses 2,558 2,319 2,334
Result before tax 865 1,198 1,239
Taxation 236 308 349
Net result 629 889 889
Geographical Segments Banking | Retail Belgium | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 603 (398) (1,012)
Geographical Segments Banking | Retail Germany | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,936 3,182 3,375
Net fee and commission income 698 484 400
Total investment and other income (112) (188) (81)
– of which revaluations and trading income (147) (191) (83)
Total revenue 3,522 3,478 3,694
Operating expense 1,587 1,512 1,437
– of which Regulatory costs 33 90 103
Addition to loan loss provisions 259 222 35
Total expenses 1,846 1,734 1,472
Result before tax 1,676 1,744 2,222
Taxation 543 563 723
Non-controlling interests 2 1  
Net result 1,131 1,179 1,499
Geographical Segments Banking | Retail Germany | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 465 (860) (1,825)
Geographical Segments Banking | Other Challengers | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,099 2,131 2,121
Net fee and commission income 397 337 285
Total investment and other income 37 27 21
– of which revaluations and trading income 3 2 4
Total revenue 2,533 2,495 2,427
Operating expense 1,468 1,454 1,320
– of which Regulatory costs 36 61 92
Addition to loan loss provisions 134 188 166
Total expenses 1,602 1,642 1,486
Result before tax 931 853 941
Taxation 292 272 282
Net result 639 581 659
Geographical Segments Banking | Other Challengers | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 15 (5) (9)
Geographical Segments Banking | Growth markets | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,526 2,409 1,961
Net fee and commission income 513 445 384
Total investment and other income 455 408 487
Share of result from associates and joint ventures 8 11 8 7
– of which revaluations and trading income 409 403 479
Total revenue 3,493 3,262 2,833
Operating expense 1,922 1,759 1,495
– of which Regulatory costs 320 260 207
Addition to loan loss provisions 239 214 189
Total expenses 2,161 1,973 1,683
Result before tax 1,333 1,289 1,149
Taxation 263 256 225
Non-controlling interests 273 256 234
Net result 796 777 690
Geographical Segments Banking | Growth markets | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 1    
Geographical Segments Banking | Wholesale Banking Rest of World | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 1,487 1,448 1,548
Net fee and commission income 660 585 573
Total investment and other income 1,040 1,167 829
– of which revaluations and trading income 1,074 1,217 841
Total revenue 3,186 3,200 2,950
Operating expense 1,766 1,669 1,509
– of which Regulatory costs 80 83 101
Addition to loan loss provisions 205 378 96
Total expenses 1,970 2,047 1,605
Result before tax 1,216 1,153 1,345
Taxation 287 267 335
Net result 929 886 1,011
Geographical Segments Banking | Wholesale Banking Rest of World | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result (18) (20) (23)
Geographical Segments Banking | Other | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 431 312 486
Net fee and commission income (1) (3) (1)
Total investment and other income 56 74 (25)
Share of result from associates and joint ventures 8 133 120 107
– of which revaluations and trading income (127) (58) 6
Total revenue 486 382 460
Operating expense 514 531 544
– of which Regulatory costs   1  
Addition to loan loss provisions 1 1 5
Total expenses 515 532 549
Result before tax (29) (149) (89)
Taxation 92 137 148
Net result (121) (286) (237)
Retail Banking | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 6,554 6,660 6,753
Retail Banking | Retail Netherlands | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 2,773 2,793 2,861
Retail Banking | Retail Belgium | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 644 807 661
Retail Banking | Retail Germany | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 1,457 1,455 1,790
Retail Banking | Other Challengers | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 593 534 649
Retail Banking | Growth markets | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 1,087 1,071 792
Wholesale Banking | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 3,899 1,010 (272)
Wholesale Banking | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 2,624 2,796 3,836
Wholesale Banking | Net Results IFRS-EU | Segments banking activities      
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
Total revenue 7,009 6,981 7,057
Operating expense 3,837 3,558 3,313
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 | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result 1,996 (1,058) (3,147)
Wholesale Banking | EU IAS 39 carve out impact | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 1,996 (1,058) (3,147)
Wholesale Banking | Retail Netherlands | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 384 420 824
Wholesale Banking | Retail Belgium | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 221 391 577
Wholesale Banking | Retail Germany | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 219 289 432
Wholesale Banking | Other Challengers | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 338 319 292
Wholesale Banking | Growth markets | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 246 218 357
Wholesale Banking | Wholesale Banking Rest of World | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 1,216 1,153 1,345
Wholesale Banking | Other | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 7 8
Corporate Line      
Disclosure of operating segments [line items]      
Non-controlling interests   0  
Corporate Line | Segments banking activities      
Disclosure of operating segments [line items]      
Net result (121) (294) (255)
Corporate Line | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax (30) (156) (97)
Corporate Line | Net Results IFRS-EU | Segments banking activities      
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
Total revenue 484 378 450
Operating expense 512 533 542
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)
Corporate Line | Other | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax € (30) € (156) € (97)