v3.25.4
Maturity Analysis of the Earliest Contractual Undiscounted Cash Flows of Financial Liabilities (Detail) - EUR (€)
€ in Millions
Dec. 31, 2025
Dec. 31, 2024
Maturity Analysis of Financial Liabilities (IFRS) [Line Items]    
Lease liabilities € 4,200 € 4,500
On demand    
Maturity Analysis of Financial Liabilities (IFRS) [Line Items]    
Noninterest bearing deposits 174,274 177,915
Interest-bearing deposits 245,203 198,045
Trading liabilities 42,879 [1] 43,498 [2]
Negative market values from derivative financial instruments 225,827 [1] 276,410 [2]
Financial liabilities designated at fair value through profit or loss 30,752 30,224
Investment contract liabilities 0 [3] 0 [4]
Negative market values from derivative financial instruments qualifying for hedge accounting 0 [5] 0 [6]
Central bank funds purchased 1,967 1,227
Securities sold under repurchase agreements 470 407
Securities loaned 2 2
Other short-term borrowings 6,416 1,487
Long-term debt 1 0
Trust preferred securities 0 0
Lease liabilities 122 3
Other financial liabilities 116,713 72,780
Off-balance sheet loan commitments 211,367 212,990
Financial guarantees 35,949 32,368
Total 1,091,941 [7] 1,047,356 [8]
Not later than three months    
Maturity Analysis of Financial Liabilities (IFRS) [Line Items]    
Noninterest bearing deposits 0 0
Interest-bearing deposits 148,888 159,292
Trading liabilities 0 [1] 0 [2]
Negative market values from derivative financial instruments 0 [1] 0 [2]
Financial liabilities designated at fair value through profit or loss 45,626 35,024
Investment contract liabilities 0 [3] 0 [4]
Negative market values from derivative financial instruments qualifying for hedge accounting 72 [5] 978 [6]
Central bank funds purchased 0 0
Securities sold under repurchase agreements 767 1,143
Securities loaned 0 0
Other short-term borrowings 3,882 5,767
Long-term debt 12,456 7,119
Trust preferred securities 0 0
Lease liabilities 147 157
Other financial liabilities 3,554 1,076
Off-balance sheet loan commitments 0 0
Financial guarantees 0 0
Total 215,391 [7] 210,557 [8]
Later than three months and not later than one year    
Maturity Analysis of Financial Liabilities (IFRS) [Line Items]    
Noninterest bearing deposits 0 0
Interest-bearing deposits 117,503 112,543
Trading liabilities 0 [1] 0 [2]
Negative market values from derivative financial instruments 0 [1] 0 [2]
Financial liabilities designated at fair value through profit or loss 11,122 5,943
Investment contract liabilities 469 [3] 454 [4]
Negative market values from derivative financial instruments qualifying for hedge accounting 24 [5] 614 [6]
Central bank funds purchased 0 0
Securities sold under repurchase agreements 584 182
Securities loaned 0 0
Other short-term borrowings 8,197 2,862
Long-term debt 14,408 18,030
Trust preferred securities 299 302
Lease liabilities 430 454
Other financial liabilities 556 1,059
Off-balance sheet loan commitments 0 0
Financial guarantees 0 0
Total 153,593 [7] 142,443 [8]
Later than one year and not later than five years    
Maturity Analysis of Financial Liabilities (IFRS) [Line Items]    
Noninterest bearing deposits 0 0
Interest-bearing deposits 14,882 16,012
Trading liabilities 0 [1] 0 [2]
Negative market values from derivative financial instruments 0 [1] 0 [2]
Financial liabilities designated at fair value through profit or loss 15,674 13,767
Investment contract liabilities 0 [3] 0 [4]
Negative market values from derivative financial instruments qualifying for hedge accounting 33 [5] 27 [6]
Central bank funds purchased 0 0
Securities sold under repurchase agreements 601 1,089
Securities loaned 0 0
Other short-term borrowings 0 0
Long-term debt 70,203 70,602
Trust preferred securities 0 0
Lease liabilities 1,814 1,933
Other financial liabilities 699 1,829
Off-balance sheet loan commitments 0 0
Financial guarantees 0 0
Total 103,905 [7] 105,258 [8]
Later than five years    
Maturity Analysis of Financial Liabilities (IFRS) [Line Items]    
Noninterest bearing deposits 0 0
Interest-bearing deposits 11,777 10,422
Trading liabilities 0 [1] 0 [2]
Negative market values from derivative financial instruments 0 [1] 0 [2]
Financial liabilities designated at fair value through profit or loss 12,403 8,373
Investment contract liabilities 0 [3] 0 [4]
Negative market values from derivative financial instruments qualifying for hedge accounting 43 [5] 57 [6]
Central bank funds purchased 0 0
Securities sold under repurchase agreements 109 25
Securities loaned 0 0
Other short-term borrowings 0 0
Long-term debt 33,230 36,195
Trust preferred securities 0 0
Lease liabilities 2,632 3,116
Other financial liabilities 46 87
Off-balance sheet loan commitments 0 0
Financial guarantees 0 0
Total € 60,240 [7] € 58,275 [8]
[1] Trading liabilities and derivatives not qualifying for hedge accounting balances are recorded at fair value. The Group believes that this best represents the cash flow that
would have to be paid if these positions had to be closed out. Trading liabilities and derivatives not qualifying for hedge accounting balances are shown within “on
demand” which Group’s management believes most accurately reflects the short-term nature of trading activities. The contractual maturity of the instruments may
however extend over significantly longer periods
[2] Trading liabilities and derivatives not qualifying for hedge accounting balances are recorded at fair value. The Group believes that this best represents the cash flow that
would have to be paid if these positions had to be closed out. Trading liabilities and derivatives not qualifying for hedge accounting balances are shown within “on
demand” which Group’s management believes most accurately reflects the short-term nature of trading activities. The contractual maturity of the instruments may
however extend over significantly longer periods
[3] These are investment contracts where the policy terms and conditions result in their redemption value equaling fair value
[4] These are investment contracts where the policy terms and conditions result in their redemption value equaling fair value
[5] Derivatives designated for hedge accounting are recorded at fair value and are shown in the time bucket at which the hedged relationship is expected to terminate
[6] Derivatives designated for hedge accounting are recorded at fair value and are shown in the time bucket at which the hedged relationship is expected to terminate
[7] The balances in the table do not agree to the numbers in the Group’s balance sheet as the cash flows included in the table are undiscounted. This analysis represents the
worst case scenario for the Group if the Group was required to repay all liabilities earlier than expected. The Group believes that the likelihood of such an event occurring
is remote.
[8] The balances in the table do not agree to the numbers in the Group’s balance sheet as the cash flows included in the table are undiscounted. This analysis represents the
worst case scenario for the Group if the Group was required to repay all liabilities earlier than expected. The Group believes that the likelihood of such an event occurring
is remote