Primary and secondary segments reporting - Schedule of condensed balance sheets and condensed underlying income statements by primary segments (Details) - EUR (€)
€ in Millions |
8 Months Ended |
12 Months Ended |
Aug. 31, 2025 |
Dec. 31, 2025 |
Dec. 31, 2024 |
Dec. 31, 2023 |
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
€ 300,026.0
|
€ 283,497.0
|
€ 243,203.0
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
42,348.0
|
43,787.0
|
40,650.0
|
| Net fee income |
|
12,976.0
|
12,376.0
|
11,495.0
|
| Gains (losses) on financial transactions |
|
2,362.0
|
2,211.0
|
2,565.0
|
| Other operating income |
|
625.0
|
(331.0)
|
(759.0)
|
| Total income |
|
58,311.0
|
58,043.0
|
53,951.0
|
| Net operating income |
|
33,532.0
|
32,828.0
|
29,267.0
|
| Net loan-loss provisions |
|
(12,596.0)
|
(12,183.0)
|
(12,260.0)
|
| Other gains (losses) and provisions |
|
(2,255.0)
|
(3,298.0)
|
(2,002.0)
|
| Operating profit/(loss) before tax |
€ 6,193.0
|
18,681.0
|
17,347.0
|
15,005.0
|
| Tax on profit |
€ (635.0)
|
(4,723.0)
|
(4,844.0)
|
(3,880.0)
|
| Profit/(loss) from continuing operations |
|
13,958.0
|
12,503.0
|
11,125.0
|
| Net profit from discontinued operations |
|
1,542.0
|
1,241.0
|
1,058.0
|
| Profit/(loss) for the year |
|
15,500.0
|
13,744.0
|
12,183.0
|
| Non-controlling interests |
|
(1,399.0)
|
(1,170.0)
|
(1,107.0)
|
| Underlying profit attributable to the parent |
|
14,101.0
|
12,574.0
|
11,076.0
|
| Customer deposits |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
|
1,005,605.0
|
1,002,669.0
|
| Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,041,200.0
|
1,055,936.0
|
1,047,169.0
|
| Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
1,037,288.0
|
1,054,069.0
|
1,036,349.0
|
| Loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
|
1,017,160.0
|
1,003,465.0
|
| Gross loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
984,466.0
|
978,961.0
|
981,192.0
|
| Customers funds |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,199,798.0
|
1,154,759.0
|
1,127,503.0
|
| Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
944,409.0
|
927,533.0
|
923,884.0
|
| Investment funds |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Memorandum items |
|
255,389.0
|
227,226.0
|
203,618.0
|
| Underlying results |
|
|
|
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
42,401.0
|
43,824.0
|
40,718.0
|
| Net fee income |
|
12,928.0
|
12,335.0
|
11,468.0
|
| Gains (losses) on financial transactions |
|
2,354.0
|
2,216.0
|
2,566.0
|
| Other operating income |
|
625.0
|
(391.0)
|
(812.0)
|
| Total income |
|
58,308.0
|
57,984.0
|
53,940.0
|
| Total Costs |
|
(26,410.0)
|
(27,354.0)
|
(26,501.0)
|
| Net operating income |
|
31,898.0
|
30,630.0
|
27,439.0
|
| Net loan-loss provisions |
|
(12,128.0)
|
(11,822.0)
|
(11,784.0)
|
| Other gains (losses) and provisions |
|
(834.0)
|
(1,431.0)
|
(350.0)
|
| Operating profit/(loss) before tax |
|
18,936.0
|
17,377.0
|
15,305.0
|
| Tax on profit |
|
(4,939.0)
|
(4,853.0)
|
(4,112.0)
|
| Profit/(loss) from continuing operations |
|
13,997.0
|
12,524.0
|
11,193.0
|
| Net profit from discontinued operations |
|
0.0
|
0.0
|
0.0
|
| Profit/(loss) for the year |
|
13,997.0
|
12,524.0
|
11,193.0
|
| Non-controlling interests |
|
(845.0)
|
(750.0)
|
(791.0)
|
| Underlying profit attributable to the parent |
|
13,152.0
|
11,774.0
|
10,402.0
|
| Provision (release) of provision corresponding to results from commitments and contingent risks |
|
50.0
|
47.0
|
(38.0)
|
| Retail & Commercial Banking | Operating segment | Customer deposits |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
|
618,628.0
|
629,243.0
|
| Retail & Commercial Banking | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
628,026.0
|
|
|
| Retail & Commercial Banking | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
594,262.0
|
|
|
| Retail & Commercial Banking | Operating segment | Loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
|
598,852.0
|
610,528.0
|
| Retail & Commercial Banking | Gross loans and advances to customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
591,287.0
|
600,230.0
|
611,882.0
|
| Retail & Commercial Banking | Customers funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
726,779.0
|
706,505.0
|
688,569.0
|
| Retail & Commercial Banking | Customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
616,402.0
|
607,094.0
|
600,871.0
|
| Retail & Commercial Banking | Investment funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Memorandum items |
|
110,377.0
|
99,411.0
|
87,698.0
|
| Retail & Commercial Banking | Underlying results |
|
|
|
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
26,528.0
|
27,854.0
|
25,586.0
|
| Net fee income |
|
6,222.0
|
6,022.0
|
6,077.0
|
| Gains (losses) on financial transactions |
|
680.0
|
805.0
|
837.0
|
| Other operating income |
|
(983.0)
|
(1,617.0)
|
(1,707.0)
|
| Total income |
|
32,447.0
|
33,064.0
|
30,792.0
|
| Total Costs |
|
(13,913.0)
|
(14,704.0)
|
(14,757.0)
|
| Net operating income |
|
18,534.0
|
18,359.0
|
16,036.0
|
| Net loan-loss provisions |
|
(7,150.0)
|
(7,064.0)
|
(7,542.0)
|
| Other gains (losses) and provisions |
|
(385.0)
|
(545.0)
|
(298.0)
|
| Operating profit/(loss) before tax |
|
10,998.0
|
10,750.0
|
8,195.0
|
| Tax on profit |
|
(2,974.0)
|
(3,132.0)
|
(2,076.0)
|
| Profit/(loss) from continuing operations |
|
8,024.0
|
7,619.0
|
6,120.0
|
| Net profit from discontinued operations |
|
0.0
|
0.0
|
0.0
|
| Profit/(loss) for the year |
|
8,024.0
|
7,619.0
|
6,120.0
|
| Non-controlling interests |
|
(314.0)
|
(273.0)
|
(232.0)
|
| Underlying profit attributable to the parent |
|
7,710.0
|
7,345.0
|
5,887.0
|
| Openbank | Operating segment | Customer deposits |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
|
128,975.0
|
115,446.0
|
| Openbank | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
129,946.0
|
|
|
| Openbank | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
203,857.0
|
|
|
| Openbank | Operating segment | Loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
|
207,107.0
|
199,158.0
|
| Openbank | Gross loans and advances to customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
211,894.0
|
215,164.0
|
206,649.0
|
| Openbank | Customers funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
138,999.0
|
137,122.0
|
120,996.0
|
| Openbank | Customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
129,909.0
|
128,933.0
|
114,334.0
|
| Openbank | Investment funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Memorandum items |
|
9,089.0
|
8,189.0
|
6,662.0
|
| Openbank | Underlying results |
|
|
|
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
11,036.0
|
10,777.0
|
10,221.0
|
| Net fee income |
|
1,479.0
|
1,508.0
|
1,229.0
|
| Gains (losses) on financial transactions |
|
(11.0)
|
(4.0)
|
116.0
|
| Other operating income |
|
511.0
|
596.0
|
709.0
|
| Total income |
|
13,015.0
|
12,877.0
|
12,274.0
|
| Total Costs |
|
(5,680.0)
|
(5,576.0)
|
(5,526.0)
|
| Net operating income |
|
7,335.0
|
7,302.0
|
6,748.0
|
| Net loan-loss provisions |
|
(4,457.0)
|
(4,562.0)
|
(4,106.0)
|
| Other gains (losses) and provisions |
|
(312.0)
|
(512.0)
|
35.0
|
| Operating profit/(loss) before tax |
|
2,566.0
|
2,228.0
|
2,677.0
|
| Tax on profit |
|
(489.0)
|
(294.0)
|
(426.0)
|
| Profit/(loss) from continuing operations |
|
2,077.0
|
1,934.0
|
2,251.0
|
| Net profit from discontinued operations |
|
0.0
|
0.0
|
0.0
|
| Profit/(loss) for the year |
|
2,077.0
|
1,934.0
|
2,251.0
|
| Non-controlling interests |
|
(336.0)
|
(275.0)
|
(350.0)
|
| Underlying profit attributable to the parent |
|
1,741.0
|
1,659.0
|
1,901.0
|
| Corporate & Investment Banking | Operating segment | Customer deposits |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
|
198,872.0
|
200,592.0
|
| Corporate & Investment Banking | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
221,321.0
|
|
|
| Corporate & Investment Banking | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
204,210.0
|
|
|
| Corporate & Investment Banking | Operating segment | Loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
|
178,746.0
|
163,627.0
|
| Corporate & Investment Banking | Gross loans and advances to customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
146,065.0
|
130,840.0
|
132,308.0
|
| Corporate & Investment Banking | Customers funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
149,731.0
|
147,492.0
|
166,721.0
|
| Corporate & Investment Banking | Customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
137,267.0
|
133,433.0
|
152,156.0
|
| Corporate & Investment Banking | Investment funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Memorandum items |
|
12,464.0
|
14,059.0
|
14,565.0
|
| Corporate & Investment Banking | Underlying results |
|
|
|
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
3,824.0
|
3,779.0
|
3,361.0
|
| Net fee income |
|
2,552.0
|
2,415.0
|
2,013.0
|
| Gains (losses) on financial transactions |
|
1,281.0
|
1,568.0
|
1,748.0
|
| Other operating income |
|
359.0
|
136.0
|
(22.0)
|
| Total income |
|
8,016.0
|
7,897.0
|
7,100.0
|
| Total Costs |
|
(3,752.0)
|
(3,922.0)
|
(3,381.0)
|
| Net operating income |
|
4,264.0
|
3,975.0
|
3,719.0
|
| Net loan-loss provisions |
|
(278.0)
|
(141.0)
|
(132.0)
|
| Other gains (losses) and provisions |
|
(37.0)
|
(19.0)
|
(9.0)
|
| Operating profit/(loss) before tax |
|
3,949.0
|
3,815.0
|
3,578.0
|
| Tax on profit |
|
(1,114.0)
|
(1,023.0)
|
(1,086.0)
|
| Profit/(loss) from continuing operations |
|
2,835.0
|
2,792.0
|
2,491.0
|
| Net profit from discontinued operations |
|
0.0
|
0.0
|
0.0
|
| Profit/(loss) for the year |
|
2,835.0
|
2,792.0
|
2,491.0
|
| Non-controlling interests |
|
(127.0)
|
(153.0)
|
(163.0)
|
| Underlying profit attributable to the parent |
|
2,708.0
|
2,639.0
|
2,328.0
|
| Wealth Management & Insurance | Operating segment | Customer deposits |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
|
56,663.0
|
54,462.0
|
| Wealth Management & Insurance | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
59,127.0
|
|
|
| Wealth Management & Insurance | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
26,516.0
|
|
|
| Wealth Management & Insurance | Operating segment | Loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
|
24,478.0
|
22,456.0
|
| Wealth Management & Insurance | Gross loans and advances to customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
26,680.0
|
24,643.0
|
22,550.0
|
| Wealth Management & Insurance | Customers funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
181,509.0
|
161,304.0
|
148,292.0
|
| Wealth Management & Insurance | Customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
58,051.0
|
55,736.0
|
53,599.0
|
| Wealth Management & Insurance | Investment funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Memorandum items |
|
123,458.0
|
105,568.0
|
94,693.0
|
| Wealth Management & Insurance | Underlying results |
|
|
|
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
1,335.0
|
1,591.0
|
1,499.0
|
| Net fee income |
|
1,642.0
|
1,442.0
|
1,209.0
|
| Gains (losses) on financial transactions |
|
512.0
|
256.0
|
178.0
|
| Other operating income |
|
552.0
|
298.0
|
197.0
|
| Total income |
|
4,042.0
|
3,587.0
|
3,082.0
|
| Total Costs |
|
(1,444.0)
|
(1,403.0)
|
(1,266.0)
|
| Net operating income |
|
2,598.0
|
2,183.0
|
1,816.0
|
| Net loan-loss provisions |
|
(20.0)
|
(42.0)
|
19.0
|
| Other gains (losses) and provisions |
|
(14.0)
|
(8.0)
|
(1.0)
|
| Operating profit/(loss) before tax |
|
2,564.0
|
2,134.0
|
1,834.0
|
| Tax on profit |
|
(532.0)
|
(509.0)
|
(429.0)
|
| Profit/(loss) from continuing operations |
|
2,032.0
|
1,624.0
|
1,405.0
|
| Net profit from discontinued operations |
|
0.0
|
0.0
|
0.0
|
| Profit/(loss) for the year |
|
2,032.0
|
1,624.0
|
1,405.0
|
| Non-controlling interests |
|
(50.0)
|
(40.0)
|
(45.0)
|
| Underlying profit attributable to the parent |
|
1,983.0
|
1,584.0
|
1,360.0
|
| Payment Solutions | Operating segment | Customer deposits |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
|
1,038.0
|
1,418.0
|
| Payment Solutions | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,392.0
|
|
|
| Payment Solutions | Operating segment | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
977.0
|
|
|
| Payment Solutions | Operating segment | Loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
|
1,066.0
|
1,165.0
|
| Payment Solutions | Gross loans and advances to customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
1,002.0
|
1,087.0
|
1,194.0
|
| Payment Solutions | Customers funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,392.0
|
1,038.0
|
1,418.0
|
| Payment Solutions | Customers | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,392.0
|
1,038.0
|
1,418.0
|
| Payment Solutions | Investment funds | Operating segment |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Memorandum items |
|
0.0
|
0.0
|
0.0
|
| Payment Solutions | Underlying results |
|
|
|
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
167.0
|
132.0
|
92.0
|
| Net fee income |
|
1,059.0
|
958.0
|
954.0
|
| Gains (losses) on financial transactions |
|
(24.0)
|
0.0
|
(10.0)
|
| Other operating income |
|
171.0
|
150.0
|
97.0
|
| Total income |
|
1,373.0
|
1,240.0
|
1,134.0
|
| Total Costs |
|
(1,203.0)
|
(1,209.0)
|
(1,111.0)
|
| Net operating income |
|
170.0
|
31.0
|
23.0
|
| Net loan-loss provisions |
|
(24.0)
|
(16.0)
|
(24.0)
|
| Other gains (losses) and provisions |
|
(12.0)
|
(247.0)
|
(15.0)
|
| Operating profit/(loss) before tax |
|
134.0
|
(233.0)
|
(17.0)
|
| Tax on profit |
|
(19.0)
|
(57.0)
|
(59.0)
|
| Profit/(loss) from continuing operations |
|
115.0
|
(290.0)
|
(75.0)
|
| Net profit from discontinued operations |
|
0.0
|
0.0
|
0.0
|
| Profit/(loss) for the year |
|
115.0
|
(290.0)
|
(75.0)
|
| Non-controlling interests |
|
(19.0)
|
(9.0)
|
(1.0)
|
| Underlying profit attributable to the parent |
|
96.0
|
(299.0)
|
(77.0)
|
| Corporate Centre | Customer deposits |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
|
1,430.0
|
1,508.0
|
| Corporate Centre | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,387.0
|
|
|
| Corporate Centre | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
7,465.0
|
|
|
| Corporate Centre | Loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
|
6,911.0
|
6,531.0
|
| Corporate Centre | Gross loans and advances to customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial assets |
|
7,537.0
|
6,997.0
|
6,608.0
|
| Corporate Centre | Customers funds |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,387.0
|
1,299.0
|
1,508.0
|
| Corporate Centre | Customers |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Financial liabilities |
|
1,387.0
|
1,299.0
|
1,508.0
|
| Corporate Centre | Investment funds |
|
|
|
|
| Balance sheet (condensed) |
|
|
|
|
| Memorandum items |
|
0.0
|
0.0
|
0.0
|
| Corporate Centre | Underlying results |
|
|
|
|
| Underlying income statement (condensed) |
|
|
|
|
| Net interest income |
|
(490.0)
|
(308.0)
|
(41.0)
|
| Net fee income |
|
(27.0)
|
(11.0)
|
(13.0)
|
| Gains (losses) on financial transactions |
|
(82.0)
|
(408.0)
|
(302.0)
|
| Other operating income |
|
14.0
|
47.0
|
(86.0)
|
| Total income |
|
(585.0)
|
(680.0)
|
(442.0)
|
| Total Costs |
|
(417.0)
|
(540.0)
|
(460.0)
|
| Net operating income |
|
(1,003.0)
|
(1,220.0)
|
(901.0)
|
| Net loan-loss provisions |
|
(198.0)
|
3.0
|
2.0
|
| Other gains (losses) and provisions |
|
(75.0)
|
(99.0)
|
(62.0)
|
| Operating profit/(loss) before tax |
|
(1,275.0)
|
(1,317.0)
|
(961.0)
|
| Tax on profit |
|
190.0
|
162.0
|
(36.0)
|
| Profit/(loss) from continuing operations |
|
(1,085.0)
|
(1,155.0)
|
(998.0)
|
| Net profit from discontinued operations |
|
0.0
|
0.0
|
0.0
|
| Profit/(loss) for the year |
|
(1,085.0)
|
(1,155.0)
|
(998.0)
|
| Non-controlling interests |
|
0.0
|
1.0
|
0.0
|
| Underlying profit attributable to the parent |
|
€ (1,085.0)
|
€ (1,154.0)
|
€ (998.0)
|