Risk Report - Asset Quality - Financial Assets at amortized cost and Allowances by Industry Sector (Detail) - EUR (€)
€ in Millions |
Dec. 31, 2025 |
Dec. 31, 2024 |
| Gross Carrying Value |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
€ 390
|
€ 427
|
| Mining and quarrying |
1,964
|
1,926
|
| Manufacturing |
26,782
|
27,044
|
| Electricity, gas, steam and air conditioning supply |
4,856
|
4,515
|
| Water supply, sewerage, waste management and remediation activities |
675
|
595
|
| Construction |
5,008
|
4,609
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
21,891
|
21,672
|
| Transport and storage |
5,309
|
5,257
|
| Accommodation and food service activities |
3,559
|
2,673
|
| Information and communication |
9,308
|
9,409
|
| Financial and insurance activities |
384,394
|
363,176
|
| Real estate activities |
45,745
|
50,448
|
| Professional, scientific and technical activities |
10,272
|
6,364
|
| Administrative and support service activities |
7,298
|
9,269
|
| Public administration and defense, compulsory social security |
39,442
|
24,876
|
| Education |
251
|
295
|
| Human health services and social work activities |
3,917
|
4,264
|
| Arts, entertainment and recreation |
854
|
822
|
| Other service activities |
21,182
|
17,532
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
195,538
|
204,917
|
| Activities of extraterritorial organizations and bodies |
8,048
|
716
|
| Total |
796,683
|
760,807
|
| Allowance for Credit Losses |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
(7)
|
6
|
| Mining and quarrying |
(19)
|
11
|
| Manufacturing |
(610)
|
597
|
| Electricity, gas, steam and air conditioning supply |
(81)
|
92
|
| Water supply, sewerage, waste management and remediation activities |
(6)
|
4
|
| Construction |
(116)
|
106
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
(504)
|
378
|
| Transport and storage |
(86)
|
53
|
| Accommodation and food service activities |
(41)
|
32
|
| Information and communication |
(120)
|
79
|
| Financial and insurance activities |
(785)
|
870
|
| Real estate activities |
(843)
|
666
|
| Professional, scientific and technical activities |
(137)
|
104
|
| Administrative and support service activities |
(62)
|
61
|
| Public administration and defense, compulsory social security |
(28)
|
44
|
| Education |
(3)
|
3
|
| Human health services and social work activities |
(37)
|
29
|
| Arts, entertainment and recreation |
(10)
|
6
|
| Other service activities |
(233)
|
193
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
(2,426)
|
2,464
|
| Activities of extraterritorial organizations and bodies |
0
|
0
|
| Total |
(6,156)
|
5,799
|
| Stage 1 | Gross Carrying Value |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
323
|
360
|
| Mining and quarrying |
1,661
|
1,687
|
| Manufacturing |
21,660
|
21,327
|
| Electricity, gas, steam and air conditioning supply |
4,103
|
3,898
|
| Water supply, sewerage, waste management and remediation activities |
537
|
527
|
| Construction |
4,064
|
3,643
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
18,514
|
18,487
|
| Transport and storage |
4,621
|
4,145
|
| Accommodation and food service activities |
2,489
|
2,224
|
| Information and communication |
8,102
|
8,220
|
| Financial and insurance activities |
373,938
|
344,869
|
| Real estate activities |
32,736
|
35,812
|
| Professional, scientific and technical activities |
8,970
|
5,279
|
| Administrative and support service activities |
6,157
|
7,864
|
| Public administration and defense, compulsory social security |
38,099
|
23,217
|
| Education |
169
|
251
|
| Human health services and social work activities |
3,195
|
3,695
|
| Arts, entertainment and recreation |
714
|
716
|
| Other service activities |
19,290
|
16,190
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
170,423
|
178,025
|
| Activities of extraterritorial organizations and bodies |
8,045
|
711
|
| Total |
727,810
|
681,147
|
| Stage 1 | Allowance for Credit Losses |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
0
|
0
|
| Mining and quarrying |
(2)
|
3
|
| Manufacturing |
(24)
|
23
|
| Electricity, gas, steam and air conditioning supply |
(4)
|
6
|
| Water supply, sewerage, waste management and remediation activities |
(1)
|
1
|
| Construction |
(5)
|
5
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
(17)
|
16
|
| Transport and storage |
(4)
|
4
|
| Accommodation and food service activities |
(4)
|
3
|
| Information and communication |
(10)
|
11
|
| Financial and insurance activities |
(93)
|
130
|
| Real estate activities |
(45)
|
18
|
| Professional, scientific and technical activities |
(8)
|
4
|
| Administrative and support service activities |
(6)
|
8
|
| Public administration and defense, compulsory social security |
(3)
|
10
|
| Education |
0
|
0
|
| Human health services and social work activities |
(4)
|
4
|
| Arts, entertainment and recreation |
(1)
|
0
|
| Other service activities |
(12)
|
13
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
(178)
|
180
|
| Activities of extraterritorial organizations and bodies |
0
|
0
|
| Total |
(421)
|
438
|
| Stage 2 | Gross Carrying Value |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
55
|
55
|
| Mining and quarrying |
274
|
234
|
| Manufacturing |
3,849
|
4,382
|
| Electricity, gas, steam and air conditioning supply |
598
|
407
|
| Water supply, sewerage, waste management and remediation activities |
129
|
63
|
| Construction |
683
|
713
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
2,375
|
2,453
|
| Transport and storage |
392
|
829
|
| Accommodation and food service activities |
1,008
|
386
|
| Information and communication |
712
|
977
|
| Financial and insurance activities |
8,435
|
15,962
|
| Real estate activities |
8,998
|
10,860
|
| Professional, scientific and technical activities |
1,043
|
861
|
| Administrative and support service activities |
998
|
1,265
|
| Public administration and defense, compulsory social security |
837
|
1,018
|
| Education |
74
|
38
|
| Human health services and social work activities |
588
|
453
|
| Arts, entertainment and recreation |
104
|
95
|
| Other service activities |
1,358
|
810
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
20,868
|
21,971
|
| Activities of extraterritorial organizations and bodies |
4
|
5
|
| Total |
53,383
|
63,836
|
| Stage 2 | Allowance for Credit Losses |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
(1)
|
1
|
| Mining and quarrying |
(4)
|
5
|
| Manufacturing |
(42)
|
39
|
| Electricity, gas, steam and air conditioning supply |
(4)
|
8
|
| Water supply, sewerage, waste management and remediation activities |
(1)
|
1
|
| Construction |
(11)
|
8
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
(30)
|
26
|
| Transport and storage |
(5)
|
4
|
| Accommodation and food service activities |
(10)
|
5
|
| Information and communication |
(10)
|
14
|
| Financial and insurance activities |
(110)
|
110
|
| Real estate activities |
(176)
|
48
|
| Professional, scientific and technical activities |
(19)
|
10
|
| Administrative and support service activities |
(10)
|
6
|
| Public administration and defense, compulsory social security |
(2)
|
3
|
| Education |
(1)
|
0
|
| Human health services and social work activities |
(10)
|
10
|
| Arts, entertainment and recreation |
(3)
|
1
|
| Other service activities |
(8)
|
6
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
(432)
|
431
|
| Activities of extraterritorial organizations and bodies |
0
|
0
|
| Total |
(888)
|
736
|
| Stage 3 | Gross Carrying Value |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
11
|
12
|
| Mining and quarrying |
29
|
4
|
| Manufacturing |
1,252
|
1,303
|
| Electricity, gas, steam and air conditioning supply |
155
|
210
|
| Water supply, sewerage, waste management and remediation activities |
9
|
5
|
| Construction |
208
|
207
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
981
|
709
|
| Transport and storage |
274
|
259
|
| Accommodation and food service activities |
61
|
63
|
| Information and communication |
494
|
212
|
| Financial and insurance activities |
1,879
|
2,213
|
| Real estate activities |
3,868
|
3,604
|
| Professional, scientific and technical activities |
255
|
223
|
| Administrative and support service activities |
136
|
117
|
| Public administration and defense, compulsory social security |
505
|
641
|
| Education |
8
|
7
|
| Human health services and social work activities |
133
|
115
|
| Arts, entertainment and recreation |
36
|
11
|
| Other service activities |
374
|
419
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
4,207
|
4,879
|
| Activities of extraterritorial organizations and bodies |
0
|
0
|
| Total |
14,874
|
15,214
|
| Stage 3 | Allowance for Credit Losses |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
(5)
|
5
|
| Mining and quarrying |
(13)
|
3
|
| Manufacturing |
(540)
|
534
|
| Electricity, gas, steam and air conditioning supply |
(73)
|
77
|
| Water supply, sewerage, waste management and remediation activities |
(5)
|
3
|
| Construction |
(70)
|
81
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
(457)
|
334
|
| Transport and storage |
(78)
|
45
|
| Accommodation and food service activities |
(27)
|
25
|
| Information and communication |
(99)
|
55
|
| Financial and insurance activities |
(523)
|
580
|
| Real estate activities |
(542)
|
512
|
| Professional, scientific and technical activities |
(109)
|
89
|
| Administrative and support service activities |
(44)
|
39
|
| Public administration and defense, compulsory social security |
(23)
|
31
|
| Education |
(2)
|
2
|
| Human health services and social work activities |
(23)
|
15
|
| Arts, entertainment and recreation |
(6)
|
4
|
| Other service activities |
(155)
|
144
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
(1,804)
|
1,835
|
| Activities of extraterritorial organizations and bodies |
0
|
0
|
| Total |
(4,600)
|
4,412
|
| Stage 3 POCI | Gross Carrying Value |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
1
|
0
|
| Mining and quarrying |
0
|
0
|
| Manufacturing |
21
|
32
|
| Electricity, gas, steam and air conditioning supply |
0
|
0
|
| Water supply, sewerage, waste management and remediation activities |
0
|
0
|
| Construction |
52
|
45
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
21
|
23
|
| Transport and storage |
22
|
24
|
| Accommodation and food service activities |
1
|
0
|
| Information and communication |
0
|
0
|
| Financial and insurance activities |
142
|
133
|
| Real estate activities |
143
|
173
|
| Professional, scientific and technical activities |
4
|
1
|
| Administrative and support service activities |
7
|
24
|
| Public administration and defense, compulsory social security |
0
|
0
|
| Education |
0
|
0
|
| Human health services and social work activities |
1
|
0
|
| Arts, entertainment and recreation |
0
|
0
|
| Other service activities |
160
|
113
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
39
|
42
|
| Activities of extraterritorial organizations and bodies |
0
|
0
|
| Total |
615
|
609
|
| Stage 3 POCI | Allowance for Credit Losses |
|
|
| Financial Assets and Allowance at Amortized Cost by Industry Sector [Line Items] |
|
|
| Agriculture, forestry and fishing |
0
|
0
|
| Mining and quarrying |
0
|
0
|
| Manufacturing |
(5)
|
2
|
| Electricity, gas, steam and air conditioning supply |
0
|
0
|
| Water supply, sewerage, waste management and remediation activities |
0
|
0
|
| Construction |
(30)
|
13
|
| Wholesale and retail trade, repair of motor vehicles and motorcycles |
0
|
3
|
| Transport and storage |
0
|
0
|
| Accommodation and food service activities |
0
|
0
|
| Information and communication |
0
|
0
|
| Financial and insurance activities |
(59)
|
50
|
| Real estate activities |
(80)
|
88
|
| Professional, scientific and technical activities |
(1)
|
1
|
| Administrative and support service activities |
(3)
|
8
|
| Public administration and defense, compulsory social security |
0
|
0
|
| Education |
0
|
0
|
| Human health services and social work activities |
0
|
0
|
| Arts, entertainment and recreation |
0
|
0
|
| Other service activities |
(57)
|
30
|
| Activities of households as employers, undifferentiated goods- and services-producing activities of households for own use |
(12)
|
18
|
| Activities of extraterritorial organizations and bodies |
0
|
0
|
| Total |
€ (247)
|
€ 213
|