v3.25.4
Regulatory Capital Information - Own Funds Template, incl. RWA and capital ratios (Detail)
€ in Millions
 12 Months Ended
Dec. 31, 2025
EUR (€)
Dec. 31, 2024
EUR (€)
Own Funds Template, incl. RWA and capital ratios, additional information [Abstract]    
Current year profits - CRR CRD € 6,900  
Deductions for Intended distribution to shareholders - CRR CRD 3,100  
Deductions for AT1 Coupons - CRR CRD 500  
Irrevocable payment commitments related to the Single Resolution Fund and the Deposit Guarantee Scheme based on ECB guidance 1,400 € 1,400
Prudential provisioning of non-performing exposures as per ECBs supervisory recommendation 700 300
CCR/CRD 4    
Common Equity Tier 1 (CET 1) capital: instruments and reserves    
Capital instruments, related share premium accounts and other reserves 42,983 44,130
Retained earnings 21,149 19,978
Accumulated other comprehensive income (loss), net of tax (4,159) (1,229)
Independently reviewed interim profits net of any foreseeable charge or dividend1 [1] 3,347 801
Other 917 1,020
Common Equity Tier 1 (CET 1) capital before regulatory adjustments 64,237 64,700
Common Equity Tier 1 (CET 1) capital before regulatory adjustments    
Additional value adjustments (negative amount) (1,667) (1,680)
Other prudential filters (other than additional value adjustments) 296 95
Goodwill and other intangible assets (net of related tax liabilities) (negative amount) (5,045) (5,277)
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liabilities where the conditions in Art. 38 (3) CRR are met) (negative amount) (2,533) (3,463)
Negative amounts resulting from the calculation of expected loss amounts (2,579) (3,037)
Defined benefit pension fund assets (net of related tax liabilities) (negative amount) (1,135) (1,173)
Direct, indirect and synthetic holdings by an institution of own CET 1 instruments (negative amount) 0 0
Direct, indirect and synthetic holdings by the institution of the CET 1 instruments of financial sector entities where the institution has a significant investment in those entities (amount above the 10%/15% thresholds and net of eligible short positions) (negative amount) 0 0
Deferred tax assets arising from temporary differences (net of related tax liabilities where the conditions in Art. 38 (3) CRR are met) (amount above the 10%/15% thresholds) (negative amount) 0 0
Regulatory adjustments relating to unrealized gains and losses pursuant to Art. 467 and 468 CRR 0 1,012
Other regulatory adjustments [2] (2,309) (1,721)
Total regulatory adjustments to Common Equity Tier 1 (CET 1) capital (14,971) (15,244)
Common Equity Tier 1 (CET 1) capital 49,266 49,457
Additional Tier 1 (AT1) capital: instruments    
Capital instruments and the related share premium accounts 11,648 11,508
Amount of qualifying items referred to in Art. 484 (4) CRR and the related share
premium accounts subject to phase out from AT1 0
Additional Tier 1 (AT1) capital before regulatory adjustments 11,648 11,508
Additional Tier 1 (AT1) capital: regulatory adjustments    
Direct, indirect and synthetic holdings by an institution of own AT1 instruments
(negative amount) (130) (130)
Other regulatory adjustments 0 0
Total regulatory adjustments to Additional Tier 1 (AT1) capital (130) (130)
Additional Tier 1 (AT1) capital 11,518 11,378
Tier 1 capital (T1 = CET 1 + AT1) 60,784 60,835
Tier 2 (T2) capital 7,050 7,676
Total capital (TC = T1 + T2) 67,834 68,511
Total risk-weighted assets € 347,133 € 357,427
Capital ratios    
Common Equity Tier 1 capital ratio (as a percentage of risk-weighted assets) 0.142 0.138
Tier 1 capital ratio (as a percentage of risk-weighted assets) 0.175 0.170
Total capital ratio (as a percentage of risk-weighted assets) 0.195 0.192
[1] 1Full year profit is recognized as per ECB Decision (EU) 2015/656 in accordance with the Article 26(2) of Regulation (EU) No 575/2013 (ECB/2015/4); current year profits
of € 6.9 billion reduced by deductions for future shareholder distribution of € 3.1 billion and AT1 coupons of € 0.5 billion
[2] 2Includes capital deductions of € 1.4 billion (December 31, 2024: € 1.4 billion) based on ECB guidance on irrevocable payment commitments related to the Single
Resolution Fund and the Deposit Guarantee Scheme, € 0.7 billion (December 31, 2024: € 0.3 billion) based on ECB's supervisory recommendation for a prudential
provisioning of non-performing exposures