v3.25.2
Segments - Summary of segments banking (Details) - EUR (€)
€ in Millions
 6 Months Ended
Jun. 30, 2025
Jun. 30, 2024
Disclosure of operating segments [line items]    
Net interest income € 7,290 € 7,762
Net fee and commission income 2,216 1,998
– of which revaluations and trading income 2,773 3,016
– of which Regulatory expenses 439 446
Addition to loan loss provisions 612 559
Total expenses 6,846 6,439
Result before tax 5,558 6,373
Taxation 1,516 1,798
Non-controlling interests 127 118
Net result 3,915 4,456
EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Taxation (279) (414)
Net result (786) (1,099)
Segments banking activities    
Disclosure of operating segments [line items]    
Net result 3,915 4,456
Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 7,159 7,655
Net fee and commission income 2,216 1,998
Total investment and other income 1,965 1,647
– of which share of result from associates and joint ventures 85 19
– of which revaluations and trading income 1,839 1,610
Total income 11,339 11,300
Operating expenses 6,234 5,880
– of which Regulatory expenses 439 446
Addition to loan loss provisions 612 559
Total expenses 6,846 6,439
Result before tax 4,493 4,861
Taxation 1,237 1,385
Non-controlling interests 127 118
Net result 3,130 3,358
Segments banking activities | EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Net result 786 1,099
Retail Netherlands | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 1,029 1,072
Retail Netherlands | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 1,508 1,534
Net fee and commission income 540 513
Total investment and other income 403 376
– of which share of result from associates and joint ventures (4)  
– of which revaluations and trading income 383 355
Total income 2,451 2,423
Operating expenses 981 1,023
– of which Regulatory expenses   41
Addition to loan loss provisions 72 (43)
Total expenses 1,054 980
Result before tax 1,398 1,443
Taxation 369 371
Net result 1,029 1,072
Retail Belgium | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 164 248
Retail Belgium | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 886 1,052
Net fee and commission income 339 306
Total investment and other income 73 43
– of which share of result from associates and joint ventures 75 (2)
– of which revaluations and trading income 48 22
Total income 1,298 1,402
Operating expenses 995 980
– of which Regulatory expenses 226 175
Addition to loan loss provisions 76 65
Total expenses 1,072 1,045
Result before tax 226 357
Taxation 62 109
Non-controlling interests 0 0
Net result 164 248
Retail Germany | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 450 540
Retail Germany | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 1,215 1,337
Net fee and commission income 287 212
Total investment and other income (77) (51)
– of which revaluations and trading income (84) (56)
Total income 1,425 1,498
Operating expenses 680 628
– of which Regulatory expenses 25 40
Addition to loan loss provisions 77 65
Total expenses 758 693
Result before tax 667 805
Taxation 216 265
Non-controlling interests 1 1
Net result 450 540
Retail Other | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 546 465
Retail Other | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 1,929 1,884
Net fee and commission income 356 293
Total investment and other income 164 120
– of which share of result from associates and joint ventures 5 4
– of which revaluations and trading income 148 108
Total income 2,449 2,297
Operating expenses 1,436 1,388
– of which Regulatory expenses 136 136
Addition to loan loss provisions 159 176
Total expenses 1,595 1,564
Result before tax 854 733
Taxation 202 173
Non-controlling interests 106 96
Net result 546 465
Wholesale Banking | EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Net result 786 1,099
Wholesale Banking | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 1,748 2,293
Wholesale Banking | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 1,412 1,737
Net fee and commission income 696 676
Total investment and other income 1,344 1,166
– of which share of result from associates and joint ventures (58) (43)
– of which revaluations and trading income 1,340 1,215
Total income 3,452 3,580
Operating expenses 1,901 1,662
– of which Regulatory expenses 51 54
Addition to loan loss provisions 227 295
Total expenses 2,128 1,957
Result before tax 1,324 1,623
Taxation 342 406
Non-controlling interests 19 22
Net result 962 1,194
Wholesale Banking | Segments banking activities | EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Net result 786 1,099
Corporate Line | Segments banking activities    
Disclosure of operating segments [line items]    
Net result (21) (161)
Corporate Line | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 209 111
Net fee and commission income (2) (3)
Total investment and other income 57 (8)
– of which share of result from associates and joint ventures 66 61
– of which revaluations and trading income 3 (33)
Total income 265 99
Operating expenses 239 199
– of which Regulatory expenses 0 0
Addition to loan loss provisions 0 0
Total expenses 240 199
Result before tax 25 (100)
Taxation 45 61
Non-controlling interests 0  
Net result € (21) € (161)