v3.25.4
Offsetting financial assets and liabilities - Summary of financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements (Details) - EUR (€)
€ in Millions
Dec. 31, 2025
Dec. 31, 2024
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities € 390,577 € 429,373
Gross amounts of recognised financial assets offset in the statement of financial position (318,057) (358,608)
Net amounts of financial liabilities presented in the statement of financial position 72,520 70,765
Financial instruments 10,862 17,962
Cash and financial instruments pledged as collateral 39,929 34,447
Net amount 21,729 18,357
Amounts not subject to enforceable netting arrangements 14,745 18,283
Statement of financial position total 87,265 89,049
Deposits from banks 18,517 16,723
Customer deposits 721,373 691,661
Other 11,989 12,369
Deposits from banks    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 366 126
Gross amounts of recognised financial assets offset in the statement of financial position (365) (93)
Net amounts of financial liabilities presented in the statement of financial position 1 33
Financial instruments
Cash and financial instruments pledged as collateral 33
Net amount 1
Amounts not subject to enforceable netting arrangements 329
Statement of financial position total 330 33
Deposits from banks | Repurchase, securities lending and similar agreements    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 79 64
Gross amounts of recognised financial assets offset in the statement of financial position (77) (31)
Net amounts of financial liabilities presented in the statement of financial position 1 33
Financial instruments
Cash and financial instruments pledged as collateral 33
Net amount 1
Amounts not subject to enforceable netting arrangements 329
Statement of financial position total 330 33
Deposits from banks | Other    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 287 62
Gross amounts of recognised financial assets offset in the statement of financial position (287) (62)
Net amounts of financial liabilities presented in the statement of financial position
Financial instruments
Cash and financial instruments pledged as collateral
Net amount
Amounts not subject to enforceable netting arrangements
Statement of financial position total
Deposits from banks | Cash pools    
Disclosure of credit risk exposure [line items]    
Deposits from banks 18,186 16,690
Deposits from banks excluding repurchase agreements subject to offsetting 0  
Deposits from customers, excluding repurchase agreements subject to offsetting   0
Customer deposits    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 228,045 252,868
Gross amounts of recognised financial assets offset in the statement of financial position (209,601) (236,052)
Net amounts of financial liabilities presented in the statement of financial position 18,445 16,817
Financial instruments 8 21
Cash and financial instruments pledged as collateral
Net amount 18,437 16,796
Amounts not subject to enforceable netting arrangements 182 1
Statement of financial position total 18,627 16,818
Customer deposits | Repurchase, securities lending and similar agreements    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 32 1,214
Gross amounts of recognised financial assets offset in the statement of financial position (32) (1,214)
Net amounts of financial liabilities presented in the statement of financial position
Financial instruments
Cash and financial instruments pledged as collateral
Net amount
Amounts not subject to enforceable netting arrangements 182 1
Statement of financial position total 182
Customer deposits | Cash pools    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 228,013 251,655
Gross amounts of recognised financial assets offset in the statement of financial position (209,568) (234,838)
Net amounts of financial liabilities presented in the statement of financial position 18,445 16,817
Financial instruments 8 21
Cash and financial instruments pledged as collateral
Net amount 18,437 16,796
Amounts not subject to enforceable netting arrangements
Statement of financial position total 18,445 16,817
Customer deposits 721,191 691,661
Deposits from customers, excluding repurchase agreements subject to offsetting 18,445 16,817
Financial liabilities at fair value through profit or loss | Trading and Non-trading    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 156,424 170,769
Gross amounts of recognised financial assets offset in the statement of financial position (102,395) (117,095)
Net amounts of financial liabilities presented in the statement of financial position 54,028 53,674
Financial instruments 10,809 17,859
Cash and financial instruments pledged as collateral 39,929 34,414
Net amount 3,291 1,402
Amounts not subject to enforceable netting arrangements 14,234 18,283
Statement of financial position total 68,262 71,956
Financial liabilities at fair value through profit or loss | Repurchase, securities lending and similar agreements | Trading and Non-trading    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 84,997 81,384
Gross amounts of recognised financial assets offset in the statement of financial position (48,514) (49,365)
Net amounts of financial liabilities presented in the statement of financial position 36,483 32,019
Financial instruments 26 219
Cash and financial instruments pledged as collateral 36,520 31,669
Net amount (63) 130
Amounts not subject to enforceable netting arrangements 9,760 11,671
Statement of financial position total 46,243 43,689
Financial liabilities at fair value through profit or loss | Derivatives 3 | Trading and Non-trading    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 71,427 89,386
Gross amounts of recognised financial assets offset in the statement of financial position (53,882) (67,731)
Net amounts of financial liabilities presented in the statement of financial position 17,545 21,655
Financial instruments 10,783 17,639
Cash and financial instruments pledged as collateral 3,409 2,745
Net amount 3,353 1,272
Amounts not subject to enforceable netting arrangements 4,474 6,612
Statement of financial position total 22,019 28,267
Other items where offsetting is applied in the statement of financial position    
Disclosure of credit risk exposure [line items]    
Gross amounts of recognised financial liabilities 5,742 5,609
Gross amounts of recognised financial assets offset in the statement of financial position (5,697) (5,368)
Net amounts of financial liabilities presented in the statement of financial position 45 242
Financial instruments 45 83
Cash and financial instruments pledged as collateral
Net amount 159
Amounts not subject to enforceable netting arrangements
Statement of financial position total 45 242
Other 4,188 4,290
Other liabilities - amounts to be settled subject to offsetting € 45 € 242