v3.25.2
Risk management - Sensitivity analysis (Details) - EUR (€)
€ in Millions
6 Months Ended 12 Months Ended
Jun. 30, 2025
Dec. 31, 2024
NETHERLANDS    
Market Risk [Line Items]    
Reportable ECL € 382 € 270
NETHERLANDS | Upside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 275 € 193
Probability weighting 20.00% 20.00%
NETHERLANDS | Upside scenario | Real GDP    
Market Risk [Line Items]    
2025 1.60% 2.60%
2026 2.70% 3.00%
2027 2.90% 2.50%
NETHERLANDS | Upside scenario | Unemployment    
Market Risk [Line Items]    
2025 3.80% 3.50%
2026 3.50% 3.30%
2027 3.30% 3.30%
NETHERLANDS | Upside scenario | HPI    
Market Risk [Line Items]    
2025 9.80% 18.90%
2026 16.70% 11.70%
2027 5.10% 2.50%
NETHERLANDS | Baseline scenario    
Market Risk [Line Items]    
Un-weighted ECL € 352 € 249
Probability weighting 60.00% 60.00%
NETHERLANDS | Baseline scenario | Real GDP    
Market Risk [Line Items]    
2025 1.20% 1.50%
2026 1.10% 1.40%
2027 1.50% 1.50%
NETHERLANDS | Baseline scenario | Unemployment    
Market Risk [Line Items]    
2025 4.00% 4.00%
2026 4.20% 4.10%
2027 4.20% 4.30%
NETHERLANDS | Baseline scenario | HPI    
Market Risk [Line Items]    
2025 7.20% 9.10%
2026 3.80% 3.50%
2027 3.00% 2.40%
NETHERLANDS | Downside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 581 € 411
Probability weighting 20.00% 20.00%
NETHERLANDS | Downside scenario | Real GDP    
Market Risk [Line Items]    
2025 0.60% (0.40%)
2026 (1.60%) (1.40%)
2027 (0.90%) (0.20%)
NETHERLANDS | Downside scenario | Unemployment    
Market Risk [Line Items]    
2025 5.00% 5.70%
2026 6.60% 7.20%
2027 7.80% 8.10%
NETHERLANDS | Downside scenario | HPI    
Market Risk [Line Items]    
2025 3.50% (3.70%)
2026 (12.80%) (7.20%)
2027 0.00% 2.20%
GERMANY    
Market Risk [Line Items]    
Reportable ECL € 621 € 548
GERMANY | Upside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 577 € 510
Probability weighting 20.00% 20.00%
GERMANY | Upside scenario | Real GDP    
Market Risk [Line Items]    
2025 0.50% 2.00%
2026 3.10% 2.80%
2027 2.60% 1.60%
GERMANY | Upside scenario | Unemployment    
Market Risk [Line Items]    
2025 3.30% 2.90%
2026 2.70% 2.40%
2027 2.20% 2.00%
GERMANY | Upside scenario | HPI    
Market Risk [Line Items]    
2025 4.10% 5.40%
2026 8.00% 8.90%
2027 9.60% 9.90%
GERMANY | Baseline scenario    
Market Risk [Line Items]    
Un-weighted ECL € 612 € 540
Probability weighting 60.00% 60.00%
GERMANY | Baseline scenario | Real GDP    
Market Risk [Line Items]    
2025 0.00% 0.50%
2026 1.20% 1.10%
2027 1.50% 1.20%
GERMANY | Baseline scenario | Unemployment    
Market Risk [Line Items]    
2025 3.60% 3.40%
2026 3.40% 3.30%
2027 3.20% 3.20%
GERMANY | Baseline scenario | HPI    
Market Risk [Line Items]    
2025 2.90% 2.60%
2026 4.40% 5.60%
2027 6.40% 6.30%
GERMANY | Downside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 695 € 609
Probability weighting 20.00% 20.00%
GERMANY | Downside scenario | Real GDP    
Market Risk [Line Items]    
2025 (0.70%) (1.70%)
2026 (2.10%) (1.70%)
2027 (0.40%) 0.30%
GERMANY | Downside scenario | Unemployment    
Market Risk [Line Items]    
2025 4.20% 4.70%
2026 5.30% 5.60%
2027 5.70% 5.90%
GERMANY | Downside scenario | HPI    
Market Risk [Line Items]    
2025 1.50% (1.70%)
2026 (0.40%) 1.30%
2027 2.20% 2.20%
BELGIUM    
Market Risk [Line Items]    
Reportable ECL € 583 € 579
BELGIUM | Upside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 540 € 534
Probability weighting 20.00% 20.00%
BELGIUM | Upside scenario | Real GDP    
Market Risk [Line Items]    
2025 1.20% 2.20%
2026 2.40% 2.60%
2027 2.30% 2.10%
BELGIUM | Upside scenario | Unemployment    
Market Risk [Line Items]    
2025 5.40% 5.10%
2026 5.20% 5.00%
2027 5.10% 4.90%
BELGIUM | Upside scenario | HPI    
Market Risk [Line Items]    
2025 4.10% 4.80%
2026 4.80% 4.50%
2027 4.40% 4.40%
BELGIUM | Baseline scenario    
Market Risk [Line Items]    
Un-weighted ECL € 572 € 569
Probability weighting 60.00% 60.00%
BELGIUM | Baseline scenario | Real GDP    
Market Risk [Line Items]    
2025 0.90% 1.10%
2026 1.10% 1.50%
2027 1.50% 1.60%
BELGIUM | Baseline scenario | Unemployment    
Market Risk [Line Items]    
2025 5.90% 5.70%
2026 5.80% 5.70%
2027 5.70% 5.60%
BELGIUM | Baseline scenario | HPI    
Market Risk [Line Items]    
2025 3.40% 3.20%
2026 3.80% 4.10%
2027 3.90% 3.80%
BELGIUM | Downside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 658 € 654
Probability weighting 20.00% 20.00%
BELGIUM | Downside scenario | Real GDP    
Market Risk [Line Items]    
2025 0.30% (0.60%)
2026 (1.20%) (0.20%)
2027 0.50% 1.10%
BELGIUM | Downside scenario | Unemployment    
Market Risk [Line Items]    
2025 6.70% 7.00%
2026 7.70% 8.00%
2027 8.10% 8.00%
BELGIUM | Downside scenario | HPI    
Market Risk [Line Items]    
2025 2.50% 1.20%
2026 2.10% 2.90%
2027 2.60% 2.50%
UNITED STATES    
Market Risk [Line Items]    
Reportable ECL € 126 € 113
UNITED STATES | Upside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 82 € 74
Probability weighting 20.00% 20.00%
UNITED STATES | Upside scenario | Real GDP    
Market Risk [Line Items]    
2025 1.70% 3.10%
2026 2.90% 3.50%
2027 3.20% 3.20%
UNITED STATES | Upside scenario | Unemployment    
Market Risk [Line Items]    
2025 4.20% 3.40%
2026 3.00% 2.40%
2027 2.50% 2.30%
UNITED STATES | Upside scenario | HPI    
Market Risk [Line Items]    
2025 4.70% 4.30%
2026 6.30% 8.40%
2027 9.70% 9.40%
UNITED STATES | Baseline scenario    
Market Risk [Line Items]    
Un-weighted ECL € 111 € 101
Probability weighting 60.00% 60.00%
UNITED STATES | Baseline scenario | Real GDP    
Market Risk [Line Items]    
2025 1.40% 2.00%
2026 1.50% 2.00%
2027 2.00% 2.00%
UNITED STATES | Baseline scenario | Unemployment    
Market Risk [Line Items]    
2025 4.50% 4.20%
2026 4.30% 4.10%
2027 4.30% 4.00%
UNITED STATES | Baseline scenario | HPI    
Market Risk [Line Items]    
2025 4.30% 3.30%
2026 3.60% 3.70%
2027 4.40% 3.90%
UNITED STATES | Downside scenario    
Market Risk [Line Items]    
Un-weighted ECL € 213 € 187
Probability weighting 20.00% 20.00%
UNITED STATES | Downside scenario | Real GDP    
Market Risk [Line Items]    
2025 0.70% (0.10%)
2026 (1.70%) (1.10%)
2027 (0.90%) (0.40%)
UNITED STATES | Downside scenario | Unemployment    
Market Risk [Line Items]    
2025 5.30% 5.90%
2026 6.90% 7.30%
2027 7.90% 8.00%
UNITED STATES | Downside scenario | HPI    
Market Risk [Line Items]    
2025 3.30% (0.70%)
2026 (2.60%) (3.00%)
2027 (2.70%) (2.50%)