v3.25.4
Risk Report - Credit Risk Management - IFRS 9 Model sensitivity on forward-looking information (Detail) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Upward Sensitivity | Upward Shift | Group    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp 1.00% 1.00%
Unemployment Rate in pp (0.50%) (0.50%)
Real estate prices in % [1] 5.00% 5.00%
Equities in % 0.10 0.10
Credit spreads in % (40.00%) (40.00%)
Commodities in % [2] 10.00% 10.00%
Upward Sensitivity | Upward Shift | Corporate Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp 1.00% 1.00%
Unemployment Rate in pp (0.50%) (0.50%)
Real estate prices in % [3] 5.00% 5.00%
Credit spreads in % (40.00%) (40.00%)
Commodities in % [4] 10.00% 10.00%
Upward Sensitivity | Upward Shift | Investment Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp 1.00% 1.00%
Unemployment Rate in pp (0.50%) (0.50%)
Real estate prices in % [5] 5.00% 5.00%
Equities in % 0.10 0.10
Credit spreads in % (40.00%) (40.00%)
Commodities in % [6] 10.00% 10.00%
Upward Sensitivity | Upward Shift | Private Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp 1.00% 1.00%
Unemployment Rate in pp (0.50%) (0.50%)
Upward Sensitivity | ECL impact on upward shift | Group    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn € (76.3) € (66.4)
Unemployment Rates in mn (49.4) (44.9)
Real estate prices in mn [1] (35.3) (13.9)
Equities in mn (17.1) (14.1)
Credit spreads in mn (19.5) (20.7)
Commodities in mn [2] (6.9) (7.7)
Upward Sensitivity | ECL impact on upward shift | Corporate Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn (16.0) (18.2)
Unemployment Rates in mn (11.0) (12.6)
Real estate prices in mn [3] (4.3) (2.1)
Credit spreads in mn (4.1) (4.5)
Commodities in mn [4] (2.2) (2.8)
Upward Sensitivity | ECL impact on upward shift | Investment Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn (36.1) (26.4)
Unemployment Rates in mn (10.7) (11.0)
Real estate prices in mn [5] (19.4) (8.5)
Equities in mn (5.6) (4.7)
Credit spreads in mn (14.0) (13.5)
Commodities in mn [6] (4.4) (4.6)
Upward Sensitivity | ECL impact on upward shift | Private Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn (22.6) (18.3)
Unemployment Rates in mn € (26.9) € (19.5)
Downward Sensitivity | Downward shift | Group    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp (1.00%) (1.00%)
Unemployment Rate in pp 0.50% 0.50%
Real estate prices in % [1] (5.00%) (5.00%)
Equities in % (0.10) (0.10)
Credit spreads in % 40.00% 40.00%
Commodities in % [2] (10.00%) (10.00%)
Downward Sensitivity | Downward shift | Corporate Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp (1.00%) (1.00%)
Unemployment Rate in pp 0.50% 0.50%
Real estate prices in % [3] (5.00%) (5.00%)
Credit spreads in % 40.00% 40.00%
Commodities in % [4] (10.00%) (10.00%)
Downward Sensitivity | Downward shift | Investment Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp (1.00%) (1.00%)
Unemployment Rate in pp 0.50% 0.50%
Real estate prices in % [5] (5.00%) (5.00%)
Equities in % (0.10) (0.10)
Credit spreads in % 40.00% 40.00%
Commodities in % [6] (10.00%) (10.00%)
Downward Sensitivity | Downward shift | Private Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in pp (1.00%) (1.00%)
Unemployment Rate in pp 0.50% 0.50%
Downward Sensitivity | ECL impact on downward shift | Group    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn € 87.2 € 71.8
Unemployment Rates in mn 51.6 49.0
Real estate prices in mn [1] 40.1 16.0
Equities in mn 23.7 17.8
Credit spreads in mn 21.6 24.2
Commodities in mn [2] 7.4 8.7
Downward Sensitivity | ECL impact on downward shift | Corporate Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn 19.2 20.3
Unemployment Rates in mn 12.2 14.2
Real estate prices in mn [3] 5.4 2.2
Credit spreads in mn 4.5 5.0
Commodities in mn [4] 2.4 3.1
Downward Sensitivity | ECL impact on downward shift | Investment Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn 41.5 28.9
Unemployment Rates in mn 11.6 12.1
Real estate prices in mn [5] 21.5 10.2
Equities in mn 9.3 5.9
Credit spreads in mn 15.7 16.2
Commodities in mn [6] 4.7 5.3
Downward Sensitivity | ECL impact on downward shift | Private Bank    
IFRS 9 Sensitivities on forward-looking information [Line items]    
GDP Growth Rates in mn 24.6 19.3
Unemployment Rates in mn € 26.8 € 20.6
[1] 1 For a more severe stress test relating to the CRE portfolio that also takes into consideration existing and potential exposure in Stage 3 reference is made to the section on
Commercial Real Estate above
[2] 2Here the sign of the shift applies to oil prices changes. Gold price changes have the opposite sign. 1pp (percentage point), e.g., GDP shifts from 3% to 4% // 1%
(percentage change), e.g., Real estate price shifts from 100 to 101
[3] 1 For a more severe stress test relating to the CRE portfolio that also takes into consideration existing and potential exposure in Stage 3 reference is made to the section on
Commercial Real Estate below
[4] 2 Here the sign of the shift applies to oil prices changes. Gold price changes have the opposite sign.
[5] 1 For a more severe stress test relating to the CRE portfolio that also takes into consideration existing and potential exposure in Stage 3 reference is made to the section on
Commercial Real Estate below
[6] 2 Here the sign of the shift applies to oil prices changes. Gold price changes have the opposite sign.