v3.25.4
Consolidated statement of profit or loss - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Continuing Operations [abstract]      
Interest income using effective interest rate method € 43,760 € 49,474 € 44,658
Other interest income 7,568 9,685 7,741
Total interest income 51,327 59,159 52,399
Interest expense using effective interest rate method (29,718) (34,878) (28,510)
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
Fee and commission income 6,297 5,604 5,109
Fee and commission expense (1,696) (1,596) (1,514)
Net fee and commission income 4,602 4,008 3,595
Valuation results and net trading income 22 5,789 1,614 (1,732)
Investment income 23 129 13 95
Share of result from associates and joint ventures 8 209 205 149
Impairment of associates and joint ventures 8 (9) (35) (5)
Net result on derecognition of financial assets measured at amortised cost 0 (2) 3
Other net income 24 3 (3) (147)
Total income 25,678 21,087 18,121
Addition to loan loss provisions 1,304 1,194 520
Staff expenses 25 7,600 7,184 6,725
Other operating expenses 26 4,984 4,937 4,839
Total expenses 13,887 13,315 12,084
Result before tax 11,791 7,772 6,037
Taxation 34 3,192 2,181 1,662
Net result 8,599 5,592 4,374
Net result attributable to:      
Non-controlling interests 275 258 235
Shareholders of the parent € 8,324 € 5,334 € 4,140
Earnings per ordinary share 28      
Basic earnings per ordinary share (in EUR per share) € 2.78 € 1.65 € 1.16
Diluted earnings per ordinary share (in EUR per share) € 2.78 € 1.65 € 1.16