v3.25.2
Financial assets - Disclosure of reconciliation of changes in gross carrying amount for financial instruments (Details) - Financial assets at amortised cost - EUR (€)
€ in Millions
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Write-offs € 6,780 € 6,439
Exchange differences and other (1,774) (701)
Accumulated impairment    
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Impairment allowance at beginning of year 22,326 22,950
Impairment allowance at end of year 21,086 22,815
Accumulated impairment | Other assets    
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Impairment allowance at end of year 7,479 8,386
Accumulated impairment | Impaired assets    
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Impairment allowance at end of year 13,607 14,429
Accumulated impairment | Loans and advances to customers    
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Impairment allowance at beginning of year 21,983 22,666
Transfers between stages 3,752 3,923
Net changes of the exposure and modifications in the credit risk 3,507 3,069
Write-offs (6,717) (6,439)
Exchange differences and other (1,836) (773)
Impairment allowance at end of year 20,689 22,446
Accumulated impairment | Loans and advances to customers | Other assets | Next 12 months    
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Impairment allowance at beginning of year 3,281 3,587
Transfers between stages (769) (627)
Net changes of the exposure and modifications in the credit risk 663 530
Write-offs 0 0
Exchange differences and other (217) (186)
Impairment allowance at end of year 2,958 3,304
Accumulated impairment | Loans and advances to customers | Other assets | Lifetime expected credit losses    
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Impairment allowance at beginning of year 4,735 4,930
Transfers between stages 596 609
Net changes of the exposure and modifications in the credit risk (469) (423)
Write-offs 0 0
Exchange differences and other (411) (78)
Impairment allowance at end of year 4,451 5,038
Accumulated impairment | Loans and advances to customers | Impaired assets | Lifetime expected credit losses    
Disclosure of reconciliation of changes in loss allowance of financial instruments    
Impairment allowance at beginning of year 13,967 14,149
Transfers between stages 3,925 3,941
Net changes of the exposure and modifications in the credit risk 3,313 2,962
Write-offs (6,717) (6,439)
Exchange differences and other (1,208) (509)
Impairment allowance at end of year € 13,280 € 14,104