v3.25.2
Risk management - Changes in gross carrying amounts and loan loss provisions (Details) - EUR (€)
€ in Millions
 6 Months Ended 12 Months Ended
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]    
Opening balance as at 1 January € (21)  
Closing balance (21) € (21)
Gross carrying amount | Stage 2    
Disclosure of credit risk exposure [line items]    
Changes in models/risk parameters 2,300  
Provisions    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (6,049)  
Increase in loan loss provisions 612 1,194
Closing balance (5,945) (6,049)
Provisions | IFRS-9 Eligible Financial Assets    
Disclosure of credit risk exposure [line items]    
Financial assets that have been derecognised 638 1,170
Provisions | Non-credit replacement guarantees    
Disclosure of credit risk exposure [line items]    
Increase in loan loss provisions (26) 9
Provisions | Modification gains and losses on restructured financial assets    
Disclosure of credit risk exposure [line items]    
Increase in loan loss provisions 0 15
Loans | Gross carrying amount    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 1,048,574 1,025,043
Net remeasurement of loan loss provisions 0
New financial assets originated or purchased 134,966 212,516
Financial assets that have been derecognised (72,474) (140,148)
Net drawdowns and repayments (33,005) (46,465)
Changes in models/risk parameters 0 0
Write-offs (556) (1,017)
Disposals (860) (1,355)
Foreign exchange and other movements 17,288 0
Closing balance 1,093,934 1,048,574
Loans | Gross carrying amount | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  0 0
Loans | Gross carrying amount | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  0 0
Loans | Gross carrying amount | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  0 0
Loans | Gross carrying amount | Stage 1    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 954,943 937,633
Net remeasurement of loan loss provisions 0 0
New financial assets originated or purchased 134,966 212,516
Financial assets that have been derecognised (65,485) (126,858)
Net drawdowns and repayments (28,119) (41,763)
Changes in models/risk parameters 0 0
Write-offs 0 0
Disposals (510) (935)
Foreign exchange and other movements 16,157 0
Closing balance 1,003,405 954,943
Loans | Gross carrying amount | Stage 1 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  16,783 20,486
Loans | Gross carrying amount | Stage 1 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (24,349) (43,155)
Loans | Gross carrying amount | Stage 1 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (980) (2,980)
Loans | Gross carrying amount | Stage 2    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 79,888 75,454
Net remeasurement of loan loss provisions 0 0
New financial assets originated or purchased 0 0
Financial assets that have been derecognised (6,435) (11,840)
Net drawdowns and repayments (3,973) (4,393)
Changes in models/risk parameters 0 0
Write-offs 0 0
Disposals (68) (141)
Foreign exchange and other movements 1,092 0
Closing balance 77,596 79,888
Loans | Gross carrying amount | Stage 2 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (16,655) (20,236)
Loans | Gross carrying amount | Stage 2 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  25,053 43,900
Loans | Gross carrying amount | Stage 2 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (1,305) (2,856)
Loans | Gross carrying amount | Stage 3    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 13,742 11,956
Net remeasurement of loan loss provisions 0 0
New financial assets originated or purchased 0 0
Financial assets that have been derecognised (554) (1,450)
Net drawdowns and repayments (912) (309)
Changes in models/risk parameters 0 0
Write-offs (556) (1,017)
Disposals (282) (279)
Foreign exchange and other movements 40 0
Closing balance 12,932 13,742
Loans | Gross carrying amount | Stage 3 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (128) (249)
Loans | Gross carrying amount | Stage 3 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (703) (745)
Loans | Gross carrying amount | Stage 3 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  2,286 5,836
Loans | Provisions    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (6,049) (5,839)
Net remeasurement of loan loss provisions 215 (133)
New financial assets originated or purchased (120) (192)
Financial assets that have been derecognised (245) (485)
Net drawdowns and repayments   0
Changes in models/risk parameters (35) (20)
Increase in loan loss provisions 612 1,179
Write-offs (556) (1,017)
Disposals (129) (225)
Recoveries of amounts previously written off 30 69
Foreign exchange and other movements (60) 203
Closing balance (5,945) (6,049)
Loans | Provisions | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  141 207
Loans | Provisions | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (250) (285)
Loans | Provisions | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (448) (1,548)
Loans | Provisions | Stage 1    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (409) (517)
Net remeasurement of loan loss provisions (7) (181)
New financial assets originated or purchased (119) (192)
Financial assets that have been derecognised (40) (76)
Net drawdowns and repayments   0
Changes in models/risk parameters (6) 8
Increase in loan loss provisions 39 (102)
Write-offs 0 0
Disposals (2) (1)
Recoveries of amounts previously written off 0 0
Foreign exchange and other movements (7) (5)
Closing balance (439) (409)
Loans | Provisions | Stage 1 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (15) (22)
Loans | Provisions | Stage 1 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  36 49
Loans | Provisions | Stage 1 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  7 18
Loans | Provisions | Stage 2    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (1,130) (1,435)
Net remeasurement of loan loss provisions 85 (137)
New financial assets originated or purchased 0 0
Financial assets that have been derecognised (84) (153)
Net drawdowns and repayments   0
Changes in models/risk parameters 17 (6)
Increase in loan loss provisions 137 (297)
Write-offs 0 0
Disposals (2) (8)
Recoveries of amounts previously written off 0 0
Foreign exchange and other movements (18) 0
Closing balance (1,247) (1,130)
Loans | Provisions | Stage 2 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  132 195
Loans | Provisions | Stage 2 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (358) (429)
Loans | Provisions | Stage 2 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  107 235
Loans | Provisions | Stage 3    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (4,509) (3,887)
Net remeasurement of loan loss provisions 137 185
New financial assets originated or purchased (1) 0
Financial assets that have been derecognised (121) (257)
Net drawdowns and repayments   0
Changes in models/risk parameters (47) (22)
Increase in loan loss provisions 436 1,578
Write-offs (556) (1,017)
Disposals (125) (215)
Recoveries of amounts previously written off 30 69
Foreign exchange and other movements (35) 208
Closing balance (4,259) (4,509)
Loans | Provisions | Stage 3 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  23 34
Loans | Provisions | Stage 3 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  72 96
Loans | Provisions | Stage 3 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  € (562) € (1,802)