v3.25.4
Risk Report - Asset Quality - Off-balance sheet lending commitments and guarantee business - Development of nominal amount and allowance for credit losses (Detail) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Off-balance sheet lending commitments and guarantee business [Line Items]      
Allowance for country risk not included in Allowance for credit losses for Off-balance Sheet Positions € 12 € 2 € 9
Nominal amount      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year 341,840 318,814  
of which: Financial guarantees 79,092 73,467  
Movements in financial assets including new business and credit extensions 29,171 13,855  
Transfers due to changes in creditworthiness 0 0  
Foreign exchange and other changes (19,847) 9,171  
Balance, end of reporting period 351,164 341,840 318,814
of which: Financial guarantees 79,092 73,467  
Nominal amount | Stage 1      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year 313,625 292,747  
of which: Financial guarantees 66,797 61,279  
Movements in financial assets including new business and credit extensions 28,461 14,542  
Transfers due to changes in creditworthiness (1,997) (2,108)  
Foreign exchange and other changes (18,349) 8,444  
Balance, end of reporting period 321,740 313,625 292,747
of which: Financial guarantees 66,797 61,279  
Nominal amount | Stage 2      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year 25,983 23,778  
of which: Financial guarantees 11,855 11,752  
Movements in financial assets including new business and credit extensions 322 (662)  
Transfers due to changes in creditworthiness 1,719 2,215  
Foreign exchange and other changes (1,346) 652  
Balance, end of reporting period 26,678 25,983 23,778
of which: Financial guarantees 11,855 11,752  
Nominal amount | Stage 3      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year 2,225 2,282  
of which: Financial guarantees 441 436  
Movements in financial assets including new business and credit extensions 374 (25)  
Transfers due to changes in creditworthiness 278 (107)  
Foreign exchange and other changes (152) 76  
Balance, end of reporting period 2,724 2,225 2,282
of which: Financial guarantees 441 436  
Nominal amount | Stage 3 POCI      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year 7 8  
of which: Financial guarantees 0 0  
Movements in financial assets including new business and credit extensions 14 0  
Foreign exchange and other changes 0 0  
Balance, end of reporting period 21 7 8
of which: Financial guarantees 0 0  
Allowance for Credit Losses      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year (361) [1],[2],[3],[4] (393) [1],[4],[5] (551) [5]
of which: Financial guarantees 184 [2],[3] 214 [1],[4] 234
Movements in financial assets including new business and credit extensions (53) [2],[3] 38 [1],[4] 160 [5]
Transfers due to changes in creditworthiness 0 [2],[3] 0 [1],[4] 0 [5]
Changes in models 0 [2],[3] 0 [1],[4] 0 [5]
Foreign exchange and other changes (21) [2],[3] 6 [1],[4] 2 [5]
Balance, end of reporting period (393) [2],[3] (361) [1],[2],[3],[4] (393) [1],[4],[5]
of which: Financial guarantees 184 [2],[3] 214 [1],[4] 234
Provision for Credit Losses excluding country risk 53 [2],[3],[6],[7] (38) [1],[4],[8],[9] (160) [5],[10]
Allowance for Credit Losses | Stage 1      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year (106) [1],[2],[3],[4] (117) [1],[4],[5] (144) [5]
of which: Financial guarantees 55 [2],[3] 67 [1],[4] 84
Movements in financial assets including new business and credit extensions 12 [2],[3] 22 [1],[4] 39 [5]
Transfers due to changes in creditworthiness 4 [2],[3] 10 [1],[4] 11 [5]
Changes in models 0 [2],[3] 0 [1],[4] 0 [5]
Foreign exchange and other changes 0 [2],[3] 1 [1],[4] 1 [5]
Balance, end of reporting period (98) [2],[3] (106) [1],[2],[3],[4] (117) [1],[4],[5]
of which: Financial guarantees 55 [2],[3] 67 [1],[4] 84
Provision for Credit Losses excluding country risk (8) [2],[3],[6],[7] (13) [1],[4],[8],[9] (28) [5],[10]
Allowance for Credit Losses | Stage 2      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year (82) [1],[2],[3],[4] (88) [1],[4],[5] (97) [5]
of which: Financial guarantees 47 [2],[3] 49 [1],[4] 37
Movements in financial assets including new business and credit extensions (25) [2],[3] (3) [1],[4] 3 [5]
Transfers due to changes in creditworthiness (2) [2],[3] (9) [1],[4] (4) [5]
Changes in models 0 [2],[3] 0 [1],[4] 0 [5]
Foreign exchange and other changes (8) [2],[3] (1) [1],[4] (2) [5]
Balance, end of reporting period (96) [2],[3] (82) [1],[2],[3],[4] (88) [1],[4],[5]
of which: Financial guarantees 47 [2],[3] 49 [1],[4] 37
Provision for Credit Losses excluding country risk 23 [2],[3],[6],[7] (6) [1],[4],[8],[9] (7) [5],[10]
Allowance for Credit Losses | Stage 3      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year (173) [1],[2],[3],[4] (187) [1],[4],[5] (310) [5]
of which: Financial guarantees 81 [2],[3] 99 [1],[4] 113
Movements in financial assets including new business and credit extensions (38) [2],[3] 19 [1],[4] 118 [5]
Transfers due to changes in creditworthiness (2) [2],[3] 0 [1],[4] (7) [5]
Changes in models 0 [2],[3] 0 [1],[4] 0 [5]
Foreign exchange and other changes (13) [2],[3] 5 [1],[4] 3 [5]
Balance, end of reporting period (196) [2],[3] (173) [1],[2],[3],[4] (187) [1],[4],[5]
of which: Financial guarantees 81 [2],[3] 99 [1],[4] 113
Provision for Credit Losses excluding country risk 36 [2],[3],[6],[7] (20) [1],[4],[8],[9] (125) [5],[10]
Allowance for Credit Losses | Stage 3 POCI      
Off-balance sheet lending commitments and guarantee business [Line Items]      
Balance, beginning of year 0 [1],[2],[3],[4] 0 [1],[4],[5] 0 [5]
of which: Financial guarantees 0 [2],[3] 0 [1],[4] 0
Movements in financial assets including new business and credit extensions (2) [2],[3] 0 [1],[4] 0 [5]
Changes in models 0 [2],[3] 0 [1],[4] 0 [5]
Foreign exchange and other changes 0 [2],[3] 0 [1],[4] 0 [5]
Balance, end of reporting period (2) [2],[3] 0 [1],[2],[3],[4] 0 [1],[4],[5]
of which: Financial guarantees 0 [2],[3] 0 [1],[4] 0
Provision for Credit Losses excluding country risk € 2 [2],[3],[6],[7] € 0 [1],[4],[8],[9] € 0 [5],[10]
[1] Allowance for credit losses does not include allowance for country risk amounting to € 2 million as of December 31, 2024
[2] Allowance for credit losses does not include allowance for country risk amounting to € 12 million as of December 31, 2025
[3] The above table breaks down the impact on provision for credit losses from movements in financial assets including new business, transfers due to changes in
creditworthiness and changes in models
[4] The above table breaks down the impact on provision for credit losses from movements in financial assets including new business, transfers due to changes in
creditworthiness and changes in models
[5] Allowance for credit losses does not include allowance for country risk amounting to € 9 million as of December 31, 2023
[6] The above table breaks down the impact on provision for credit losses from movements in financial assets including new business, transfers due to changes in
creditworthiness and changes in models
[7] Allowance for credit losses does not include allowance for country risk amounting to € 12 million as of December 31, 2025
[8] The above table breaks down the impact on provision for credit losses from movements in financial assets including new business, transfers due to changes in
creditworthiness and changes in models
[9] Allowance for credit losses does not include allowance for country risk amounting to € 2 million as of December 31, 2024
[10] The above table breaks down the impact on provision for credit losses from movements in financial assets including new business, transfers due to changes in
creditworthiness and changes in models