v3.25.4
Intangible assets (Tables)
 12 Months Ended
Dec. 31, 2025
Disclosure of detailed information about intangible assets [abstract]  
Schedule of changes in intangible assets
Changes in intangible assets
Goodwill
Software
Other
Total
in EUR million
2025
2024
2025
2024
2025
2024
2025
2024
Opening balance as at 1 January
476
469
855
727
3
2
1,334
1,198
Additions
6
35
43
1
35
50
Capitalised expenses
380
324
380
324
Amortisation
-223
-215
-223
-216
Impairments 1
-7
-12
-7
-12
Exchange rate differences
1
1
-10
8
-9
9
Disposals
-2
-9
-2
-9
Other changes
2
-10
1
2
-10
Closing balance
477
476
1,030
855
3
3
1,510
1,334
Gross carrying amount
477
476
3,281
2,986
9
8
3,767
3,471
Accumulated amortisation
-2,197
-2,079
-4
-4
-2,201
-2,084
Accumulated impairments
-53
-52
-1
-2
-55
-53
Net carrying value
477
476
1,030
855
3
3
1,510
1,334
1 Impairments of intangible assets are presented within Other operating expenses in the statement of Profit or Loss.
Schedule of goodwill allocation to group of CGUs Goodwill is allocated to groups of cash generating units (CGUs) as follows:
Goodwill allocation to group of CGUs
in EUR million
Method used for
recoverable amount
Discount rate
Terminal growth rate
Goodwill
Group of CGUs
2025
2024
2025
2024
2025
2024
Retail Netherlands
Value in use
7.20%
7.81%
2.00%
2.00%
30
30
Retail Germany
Value in use
7.20%
7.77%
2.20%
2.00%
356
356
Retail Poland
Value in use
8.76%
9.30%
2.50%
2.50%
77
76
Retail Romania
Value in use
10.86%
11.45%
2.60%
3.00%
14
15
477
476