Provisions |
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| Disclosure of other provisions [abstract] | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Provisions | 15 Provisions
For details and changes on loan loss provisioning for guarantees and loan commitments, refer to ‘Risk management – Credit risk’ paragraph 'Loan loss provisioning'.
1Additions to provisions and unused amounts released are presented in Note 26 'Other operating expenses' in the Statement of Profit or Loss. As at 31 December 2025, amounts expected to be settled within 12 months in provisions amount to EUR 694 million (2024: EUR 574 million). The amounts included are based on best estimates with regard to amounts and timing of cash flows required to settle the obligation. Reorganisation provisions Reorganisation initiatives are implemented over a period of several years and the estimate of the reorganisation provisions is inherently uncertain. Litigation provisions Furthermore, we refer to Note 42 'Legal proceedings' for any contingent liabilities in respect of legal proceedings. Other provisions In 2024, the utilisations in the Other provisions mainly relate to the provision for the compensation of Dutch retail customers for past interest charges that did not sufficiently track market rates.
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