v3.26.1
Loans and advances to customers - Schedule of loans and advances to customers in detail by activity (Details) - EUR (€)
€ in Millions
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses € 1,015,198    
Refinanced and restructured transactions 18,151    
Advances to customers 22,090    
Financial assets 300,026 € 283,497 € 243,203
Customers      
Loans And Advances To Customers [Line Items]      
Financial assets 1,037,288 € 1,054,069 € 1,036,349
Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 126,703    
Refinanced and restructured transactions 2,347    
More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 155,022    
Refinanced and restructured transactions 2,381    
More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 132,918    
Refinanced and restructured transactions 2,037    
More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 178,789    
Refinanced and restructured transactions 2,457    
More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 62,224    
Refinanced and restructured transactions 3,383    
Public sector      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 29,607    
Public sector | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 157    
Public sector | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 168    
Public sector | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 251    
Public sector | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 334    
Public sector | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 274    
Other financial institutions (financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 124,684    
Other financial institutions (financial business activity) | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 2,045    
Other financial institutions (financial business activity) | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 995    
Other financial institutions (financial business activity) | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 424    
Other financial institutions (financial business activity) | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 77,935    
Other financial institutions (financial business activity) | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 598    
Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 318,284    
Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 23,917    
Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 26,942    
Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 19,168    
Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 45,306    
Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 23,422    
Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 542,623    
Households - other | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 100,584    
Households - other | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 126,917    
Households - other | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 113,075    
Households - other | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 55,214    
Households - other | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 37,930    
Without collateral      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 359,542    
Refinanced and restructured transactions 5,546    
Without collateral | Public sector      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 28,423    
Without collateral | Other financial institutions (financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 42,687    
Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 179,529    
Without collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 108,903    
Of which property collateral      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 404,014    
Refinanced and restructured transactions 6,896    
Of which property collateral | Public sector      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 153    
Of which property collateral | Other financial institutions (financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,959    
Of which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 63,124    
Of which property collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 338,778    
Of which other collateral      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 251,642    
Refinanced and restructured transactions 5,709    
Of which other collateral | Public sector      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,031    
Of which other collateral | Other financial institutions (financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 80,038    
Of which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 75,631    
Of which other collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 94,942    
Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 17,118    
Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 4,963    
Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 6,921    
Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,890    
Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,164    
Construction and property development | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 886    
Construction and property development | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,294    
Construction and property development | Of which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 15,594    
Construction and property development | Of which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 230    
Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 2,522    
Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 93    
Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 84    
Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 39    
Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 470    
Civil engineering construction | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 104    
Civil engineering construction | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,732    
Civil engineering construction | Of which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 19    
Civil engineering construction | Of which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 771    
Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 181,870    
Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 7,177    
Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 6,666    
Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 6,157    
Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 25,459    
Large companies | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 7,909    
Large companies | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 128,502    
Large companies | Of which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 17,718    
Large companies | Of which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 35,650    
SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 116,774    
SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 11,684    
SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 13,271    
SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 11,082    
SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 18,213    
SMEs and individual entrepreneurs | Non-financial corporations and individual entrepreneurs (non-financial business activity) | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 14,523    
SMEs and individual entrepreneurs | Without collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 48,001    
SMEs and individual entrepreneurs | Of which property collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 29,793    
SMEs and individual entrepreneurs | Of which other collateral | Non-financial corporations and individual entrepreneurs (non-financial business activity)      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 38,980    
Residential | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 332,931    
Residential | Households - other | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 90,170    
Residential | Households - other | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 116,264    
Residential | Households - other | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 97,858    
Residential | Households - other | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 25,944    
Residential | Households - other | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,546    
Residential | Without collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,149    
Residential | Of which property collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 331,655    
Residential | Of which other collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 127    
Consumer loans | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 192,576    
Consumer loans | Households - other | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 5,909    
Consumer loans | Households - other | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 8,063    
Consumer loans | Households - other | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 13,297    
Consumer loans | Households - other | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 24,977    
Consumer loans | Households - other | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 35,942    
Consumer loans | Without collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 104,388    
Consumer loans | Of which property collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,667    
Consumer loans | Of which other collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 86,521    
Other purposes | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 17,116    
Other purposes | Households - other | Less than or equal to 40%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 4,505    
Other purposes | Households - other | More than 40% and less than or equal to 60%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 2,590    
Other purposes | Households - other | More than 60% and less than or equal to 80%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 1,920    
Other purposes | Households - other | More than 80% and less than or equal to 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 4,293    
Other purposes | Households - other | More than 100%      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 442    
Other purposes | Without collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 3,366    
Other purposes | Of which property collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses 5,456    
Other purposes | Of which other collateral | Households - other      
Loans And Advances To Customers [Line Items]      
Loans to customers, net of impairment losses € 8,294