v3.25.4
Allowance for Credit Losses - Off-balance sheet positions (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
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