v3.26.1
Insurance Net Investment Result - Summary of Insurance Net Investment Result (Detail) - EUR (€)
€ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disclosure of insurance net investment result [line items]      
Interest revenue on financial instruments calculated using the effective interest method € 3,320 € 3,325 € 3,336
Interest revenue on financial instruments measured at FVPL (217) (186) (89)
Other investment income (825) (729) (550)
Impairment (losses) / reversals 63 229 90
Gains / (losses) on investments in equity instruments (FVOCI) 0 1 0
Unrealized gains / (losses) on financial assets (FVOCI) 18 (47) (117)
Interest accreted to insurance / reinsurance contracts 9,423 9,790 10,226
Changes in risk of non-performance of reinsurers     (12)
Total insurance/ reinsurance finance income / (expenses)     1,048
Amounts recognized in profit or loss (20,227) (16,506) (17,650)
Amounts recognized in OCI (833) 2,250 (1,626)
Amounts recognized in profit or loss 564 611 699
Amounts recognized in OCI 119 (556) 349
Insurance net investment result 1,214 697 415
Amounts recognized in profit or loss 285 34 (196)
Amounts recognized in OCI 929 663 611
Insurance contracts issued [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts (9,391) (9,747) (10,190)
Total insurance/ reinsurance finance income / (expenses) (21,059) (14,256) (19,276)
Insurance contracts issued [member] | General model [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts (3,021) (3,096) (3,098)
Interest rate and other financial assumption changes (1,771) 1,921 (1,587)
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates 129 (121) (421)
Insurance contracts issued [member] | Variable fee approach [member]      
Disclosure of insurance net investment result [line items]      
Change in fair value of underlying assets (17,232) (14,990) (15,651)
Change in fulfilment value - risk mitigation option 836 2,029 1,493
Insurance contracts issued [member] | Premium allocation approach [member]      
Disclosure of insurance net investment result [line items]      
Insurance finance expenses from PAA contracts     (12)
Reinsurance contracts held [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts 580 606 630
Interest rate and other financial assumption changes 183 (627) 283
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates (82) 82 148
Changes in risk of non-performance of reinsurers 2 (5)  
Total insurance/ reinsurance finance income / (expenses) 683 55  
Insurance Contracts With Direct Participating Features [Member]      
Disclosure of insurance net investment result [line items]      
Amounts recognized in profit or loss (13,488) (10,699) (12,244)
Amounts recognized in OCI 8 9 7
Amounts recognized in profit or loss 0    
Amounts recognized in OCI 0    
Insurance net investment result 935 514 285
Amounts recognized in profit or loss 927 505 278
Amounts recognized in OCI 8 9 7
Insurance Contracts With Direct Participating Features [Member] | Insurance contracts issued [member]      
Disclosure of insurance net investment result [line items]      
Total insurance/ reinsurance finance income / (expenses) (13,480) (10,690) (12,237)
Insurance Contracts With Direct Participating Features [Member] | Insurance contracts issued [member] | General model [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts 0    
Interest rate and other financial assumption changes 0    
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates 0    
Insurance Contracts With Direct Participating Features [Member] | Insurance contracts issued [member] | Variable fee approach [member]      
Disclosure of insurance net investment result [line items]      
Change in fair value of underlying assets (14,316) (12,719) (13,730)
Change in fulfilment value - risk mitigation option 836 2,029 1,493
Insurance Contracts With Direct Participating Features [Member] | Reinsurance contracts held [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts 0    
Interest rate and other financial assumption changes 0    
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates 0    
Changes in risk of non-performance of reinsurers 0    
Total insurance/ reinsurance finance income / (expenses) 0    
Insurance Contracts Without Direct Participating Features [Member]      
Disclosure of insurance net investment result [line items]      
Changes in risk of non-performance of reinsurers     (12)
Total insurance/ reinsurance finance income / (expenses)     1,048
Amounts recognized in profit or loss (3,823) (3,537) (3,485)
Amounts recognized in OCI (841) 2,241 (1,633)
Amounts recognized in profit or loss 564 611 699
Amounts recognized in OCI 119 (556) 349
Insurance net investment result 292 183 165
Amounts recognized in profit or loss (629) (472) (440)
Amounts recognized in OCI 921 655 604
Insurance Contracts Without Direct Participating Features [Member] | Insurance contracts issued [member]      
Disclosure of insurance net investment result [line items]      
Total insurance/ reinsurance finance income / (expenses) (4,663) (1,296) (5,118)
Insurance Contracts Without Direct Participating Features [Member] | Insurance contracts issued [member] | General model [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts (3,021) (3,096) (3,098)
Interest rate and other financial assumption changes (1,771) 1,921 (1,587)
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates 128 (121) (421)
Insurance Contracts Without Direct Participating Features [Member] | Insurance contracts issued [member] | Variable fee approach [member]      
Disclosure of insurance net investment result [line items]      
Change in fair value of underlying assets 0    
Change in fulfilment value - risk mitigation option 0    
Insurance Contracts Without Direct Participating Features [Member] | Insurance contracts issued [member] | Premium allocation approach [member]      
Disclosure of insurance net investment result [line items]      
Insurance finance expenses from PAA contracts     (12)
Insurance Contracts Without Direct Participating Features [Member] | Reinsurance contracts held [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts 580 606 630
Interest rate and other financial assumption changes 183 (627) 283
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates (82) 82 148
Changes in risk of non-performance of reinsurers 2 (5)  
Total insurance/ reinsurance finance income / (expenses) 683 55  
Investment Contracts With Direct Participating Features [Member]      
Disclosure of insurance net investment result [line items]      
Amounts recognized in profit or loss (2,916) (2,270) (1,921)
Amounts recognized in OCI 0    
Amounts recognized in profit or loss 0    
Amounts recognized in OCI 0    
Insurance net investment result (13) 0 (34)
Amounts recognized in profit or loss (13) 0 (34)
Amounts recognized in OCI 0    
Investment Contracts With Direct Participating Features [Member] | Insurance contracts issued [member]      
Disclosure of insurance net investment result [line items]      
Total insurance/ reinsurance finance income / (expenses) (2,916) (2,270) (1,921)
Investment Contracts With Direct Participating Features [Member] | Insurance contracts issued [member] | General model [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts 0    
Interest rate and other financial assumption changes 0    
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates 0    
Investment Contracts With Direct Participating Features [Member] | Insurance contracts issued [member] | Variable fee approach [member]      
Disclosure of insurance net investment result [line items]      
Change in fair value of underlying assets (2,916) (2,270) (1,921)
Change in fulfilment value - risk mitigation option 0    
Investment Contracts With Direct Participating Features [Member] | Reinsurance contracts held [member]      
Disclosure of insurance net investment result [line items]      
Interest accreted to insurance / reinsurance contracts 0    
Interest rate and other financial assumption changes 0    
Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates 0    
Changes in risk of non-performance of reinsurers 0    
Total insurance/ reinsurance finance income / (expenses) 0    
Insurance investment return [member]      
Disclosure of insurance net investment result [line items]      
Interest revenue on financial instruments calculated using the effective interest method 2,683 2,720 2,738
Interest revenue on financial instruments measured at FVPL 615 637 737
Other investment income 1,198 1,340 1,283
Results from financial transactions 15,632 11,593 12,302
Impairment (losses) / reversals (46) (190) (86)
Interest expense (135) (171) (218)
Profit or loss impacts 19,948 15,929 16,756
Gains / (losses) on investments in equity instruments (FVOCI)   1  
Unrealized gains / (losses) on financial assets (FVOCI) 1,331 (1,101) 1,311
Realized gains / (losses) on disposal of financial assets(FVOCI) 312 70 577
OCI impacts 1,643 (1,030) 1,888
Total insurance investment return 21,590 14,899 18,644
Insurance investment return [member] | Insurance Contracts With Direct Participating Features [Member]      
Disclosure of insurance net investment result [line items]      
Interest revenue on financial instruments calculated using the effective interest method 0    
Interest revenue on financial instruments measured at FVPL 234 197 231
Other investment income 785 816 845
Results from financial transactions 13,395 10,192 11,446
Impairment (losses) / reversals 0    
Interest expense 0    
Profit or loss impacts 14,415 11,204 12,523
Unrealized gains / (losses) on financial assets (FVOCI) 0    
Realized gains / (losses) on disposal of financial assets(FVOCI) 0    
OCI impacts 0    
Total insurance investment return 14,415 11,204 12,523
Insurance investment return [member] | Insurance Contracts Without Direct Participating Features [Member]      
Disclosure of insurance net investment result [line items]      
Interest revenue on financial instruments calculated using the effective interest method 2,683 2,720 2,738
Interest revenue on financial instruments measured at FVPL 248 308 369
Other investment income 10 10 11
Results from financial transactions (131) (223) (467)
Impairment (losses) / reversals (46) (190) (86)
Interest expense (135) (171) (218)
Profit or loss impacts 2,630 2,454 2,347
Gains / (losses) on investments in equity instruments (FVOCI)   1  
Unrealized gains / (losses) on financial assets (FVOCI) 1,331 (1,101) 1,311
Realized gains / (losses) on disposal of financial assets(FVOCI) 312 70 577
OCI impacts 1,643 (1,030) 1,888
Total insurance investment return 4,272 1,424 4,235
Insurance investment return [member] | Investment Contracts With Direct Participating Features [Member]      
Disclosure of insurance net investment result [line items]      
Interest revenue on financial instruments calculated using the effective interest method 0    
Interest revenue on financial instruments measured at FVPL 133 132 137
Other investment income 403 514 427
Results from financial transactions 2,367 1,624 1,322
Impairment (losses) / reversals 0    
Interest expense 0    
Profit or loss impacts 2,903 2,271 1,886
Unrealized gains / (losses) on financial assets (FVOCI) 0    
Realized gains / (losses) on disposal of financial assets(FVOCI) 0    
OCI impacts 0    
Total insurance investment return € 2,903 € 2,271 € 1,886