v3.25.2
Risk management - Gross carrying amount per IFRS 9 stage and rating class (Details) - EUR (€)
€ in Millions
Jun. 30, 2025
Dec. 31, 2024
Gross carrying amount | Purchased credit impaired | Stage 3: Lifetime Expected Credit Losses    
Disclosure of credit risk exposure [line items]    
Financial assets € (21) € (21)
Gross carrying amount | IFRS 9    
Disclosure of credit risk exposure [line items]    
Financial assets 1,093,934 1,048,574
Gross carrying amount | IFRS 9 | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 1,003,405 954,943
Gross carrying amount | IFRS 9 | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 77,596 79,888
Gross carrying amount | IFRS 9 | Stage 3    
Disclosure of credit risk exposure [line items]    
Financial assets 12,932 13,742
Gross carrying amount | IFRS 9 | 1 (AAA)    
Disclosure of credit risk exposure [line items]    
Financial assets 89,379 79,357
Gross carrying amount | IFRS 9 | 1 (AAA) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 89,188 79,076
Gross carrying amount | IFRS 9 | 1 (AAA) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 191 281
Gross carrying amount | IFRS 9 | 2-4 (AA)    
Disclosure of credit risk exposure [line items]    
Financial assets 147,043 142,250
Gross carrying amount | IFRS 9 | 2-4 (AA) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 145,150 140,671
Gross carrying amount | IFRS 9 | 2-4 (AA) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 1,894 1,579
Gross carrying amount | IFRS 9 | 5-7 (A)    
Disclosure of credit risk exposure [line items]    
Financial assets 271,586 251,149
Gross carrying amount | IFRS 9 | 5-7 (A) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 265,263 244,241
Gross carrying amount | IFRS 9 | 5-7 (A) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 6,323 6,908
Gross carrying amount | IFRS 9 | 8-10 (BBB)    
Disclosure of credit risk exposure [line items]    
Financial assets 337,865 335,008
Gross carrying amount | IFRS 9 | 8-10 (BBB) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 317,743 310,324
Gross carrying amount | IFRS 9 | 8-10 (BBB) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 20,122 24,683
Gross carrying amount | IFRS 9 | 11-13 (BB)    
Disclosure of credit risk exposure [line items]    
Financial assets 177,828 172,827
Gross carrying amount | IFRS 9 | 11-13 (BB) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 159,671 154,348
Gross carrying amount | IFRS 9 | 11-13 (BB) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 18,158 18,479
Gross carrying amount | IFRS 9 | 14-16 (B)    
Disclosure of credit risk exposure [line items]    
Financial assets 45,294 42,811
Gross carrying amount | IFRS 9 | 14-16 (B) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 25,725 25,377
Gross carrying amount | IFRS 9 | 14-16 (B) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 19,569 17,433
Gross carrying amount | IFRS 9 | 17 (CCC)    
Disclosure of credit risk exposure [line items]    
Financial assets 5,304 4,897
Gross carrying amount | IFRS 9 | 17 (CCC) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets 666 905
Gross carrying amount | IFRS 9 | 17 (CCC) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 4,637 3,992
Gross carrying amount | IFRS 9 | 18 (CC)    
Disclosure of credit risk exposure [line items]    
Financial assets 4,471 4,060
Gross carrying amount | IFRS 9 | 18 (CC) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 4,471 4,059
Gross carrying amount | IFRS 9 | 19 (C)    
Disclosure of credit risk exposure [line items]    
Financial assets 2,232 2,474
Gross carrying amount | IFRS 9 | 19 (C) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets 2,232 2,474
Gross carrying amount | IFRS 9 | 20-22 (D)    
Disclosure of credit risk exposure [line items]    
Financial assets 12,932 13,742
Gross carrying amount | IFRS 9 | 20-22 (D) | Stage 3    
Disclosure of credit risk exposure [line items]    
Financial assets 12,932 13,742
Provisions    
Disclosure of credit risk exposure [line items]    
Financial assets (5,945) (6,049)
Provisions | IFRS 9    
Disclosure of credit risk exposure [line items]    
Financial assets (5,945) (6,049)
Provisions | IFRS 9 | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (439) (409)
Provisions | IFRS 9 | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (1,247) (1,130)
Provisions | IFRS 9 | Stage 3    
Disclosure of credit risk exposure [line items]    
Financial assets (4,259) (4,509)
Provisions | IFRS 9 | 1 (AAA)    
Disclosure of credit risk exposure [line items]    
Financial assets (1) (1)
Provisions | IFRS 9 | 1 (AAA) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (1) (1)
Provisions | IFRS 9 | 2-4 (AA)    
Disclosure of credit risk exposure [line items]    
Financial assets (13) (11)
Provisions | IFRS 9 | 2-4 (AA) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (12) (10)
Provisions | IFRS 9 | 2-4 (AA) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (1) (1)
Provisions | IFRS 9 | 5-7 (A)    
Disclosure of credit risk exposure [line items]    
Financial assets (34) (29)
Provisions | IFRS 9 | 5-7 (A) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (27) (22)
Provisions | IFRS 9 | 5-7 (A) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (8) (8)
Provisions | IFRS 9 | 8-10 (BBB)    
Disclosure of credit risk exposure [line items]    
Financial assets (113) (110)
Provisions | IFRS 9 | 8-10 (BBB) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (66) (55)
Provisions | IFRS 9 | 8-10 (BBB) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (47) (55)
Provisions | IFRS 9 | 11-13 (BB)    
Disclosure of credit risk exposure [line items]    
Financial assets (297) (281)
Provisions | IFRS 9 | 11-13 (BB) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (197) (190)
Provisions | IFRS 9 | 11-13 (BB) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (100) (91)
Provisions | IFRS 9 | 14-16 (B)    
Disclosure of credit risk exposure [line items]    
Financial assets (527) (490)
Provisions | IFRS 9 | 14-16 (B) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (128) (124)
Provisions | IFRS 9 | 14-16 (B) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (399) (366)
Provisions | IFRS 9 | 17 (CCC)    
Disclosure of credit risk exposure [line items]    
Financial assets (222) (181)
Provisions | IFRS 9 | 17 (CCC) | Stage 1    
Disclosure of credit risk exposure [line items]    
Financial assets (8) (8)
Provisions | IFRS 9 | 17 (CCC) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (214) (173)
Provisions | IFRS 9 | 18 (CC)    
Disclosure of credit risk exposure [line items]    
Financial assets (268) (233)
Provisions | IFRS 9 | 18 (CC) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (268) (233)
Provisions | IFRS 9 | 19 (C)    
Disclosure of credit risk exposure [line items]    
Financial assets (210) (203)
Provisions | IFRS 9 | 19 (C) | Stage 2    
Disclosure of credit risk exposure [line items]    
Financial assets (210) (203)
Provisions | IFRS 9 | 20-22 (D)    
Disclosure of credit risk exposure [line items]    
Financial assets (4,259) (4,509)
Provisions | IFRS 9 | 20-22 (D) | Stage 3    
Disclosure of credit risk exposure [line items]    
Financial assets € (4,259) € (4,509)