v3.25.2
Net interest income - Summary of net interest income (Details) - EUR (€)
€ in Millions
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Net Interest Income [Abstract]    
Interest income on loans € 15,730 € 17,212
Interest income on debt securities at amortised cost 656 579
Interest income on financial assets at fair value through OCI 803 710
Interest income on non-trading derivatives (hedge accounting) 4,889 6,564
Total interest income using effective interest rate method 22,079 25,066
Interest income on financial assets at fair value through profit or loss 2,652 3,211
Interest income on non-trading derivatives (no hedge accounting) 1,078 1,602
Interest income other 34 49
Total other interest income 3,763 4,863
Total interest income 25,842 29,929
Interest expense on deposits 6,807 7,462
Interest expense on debt securities in issue 2,562 2,573
Interest expense on subordinated loans 394 353
Interest expense on non-trading derivatives (hedge accounting) 5,528 7,127
Total interest expense using effective interest rate method 15,291 17,515
Interest expense on financial liabilities at fair value through profit or loss 2,166 2,843
Interest expense on non-trading derivatives (no hedge accounting) 1,029 1,742
Interest expense on lease liabilities 14 14
Interest expense other 52 54
Total other interest expense 3,261 4,651
Total interest expense 18,552 22,166
Net interest income 7,290 7,762
Negative interest income on liabilities 4 5
Negative interest expense on assets € 4 € 0