v3.26.1
Loans and advances to customers - Schedule of impairment loss and allowance for loans and advances to customers (Details) - EUR (€)
€ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Impairment at beginning of year € (283,497) € (243,203)  
Impairment at end of year (300,026) (283,497) € (243,203)
Accumulated impairment      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Impairment at beginning of year 349 286  
Impairment at end of year 520 349 286
Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Impairment at beginning of year 22,125 22,788 22,684
Impairment losses charged to income for the year 14,144 13,428 13,805
Impairment losses charged to profit or loss 24,935 22,761 20,608
Impairment losses reversed with a credit to profit or loss (10,791) (9,333) (6,803)
Change of perimeter 0 0 (48)
Write-off of impaired balances against recorded impairment allowance (13,266) (13,212) (13,847)
Exchange differences and other changes (1,845) (879) 194
Impairment at end of year 21,158 22,125 22,788
Accumulated impairment | Individually calculated | Financial assets at amortised cost and financial assets at fair value through other comprehensive income      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Impairment at beginning of year 2,258 2,951  
Impairment at end of year 2,359 2,258 2,951
Accumulated impairment | Collective calculated | Financial assets at amortised cost and financial assets at fair value through other comprehensive income      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Impairment at beginning of year 19,867 19,837  
Impairment at end of year 18,799 19,867 19,837
Accumulated impairment | Financial instruments credit-impaired | Financial assets at amortised cost and financial assets at fair value through other comprehensive income      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Impairment at beginning of year 14,088 14,238  
Impairment at end of year 13,527 14,088 14,238
Accumulated impairment | Financial instruments not credit-impaired | Financial assets at amortised cost and financial assets at fair value through other comprehensive income      
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items]      
Impairment at beginning of year 8,037 8,550  
Impairment at end of year € 7,631 € 8,037 € 8,550