v3.26.1
Primary and secondary segments reporting - Schedule of reconciliation of consolidated profit after tax to operating profit before tax (Details) - EUR (€)
€ in Millions
 8 Months Ended 12 Months Ended
Aug. 31, 2025
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Reconciliation of statutory results to underlying results        
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
Administrative expenses, depreciation and amortisation   (24,779.0) (25,215.0) (24,684.0)
Other operating costs   0.0 0.0 0.0
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
Profit from discontinued operations (net)   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
Adjustments related to the Poland disposal        
Reconciliation of statutory results to underlying results        
Net interest income   53.0 37.0 68.0
Net fee income   (48.0) (41.0) (27.0)
Gains (losses) on financial transactions   (8.0) 5.0 1.0
Other operating income   0.0 (60.0) (53.0)
Total income   (3.0) (59.0) (11.0)
Administrative expenses, depreciation and amortisation   22.0 80.0 69.0
Other operating costs   0.0 0.0 0.0
Net operating income   19.0 21.0 58.0
Net loan-loss provisions   1.0 9.0 2.0
Other gains (losses) and provisions   (1.0) 0.0 1.0
Operating profit/(loss) before tax   19.0 30.0 61.0
Tax on profit   (6.0) (9.0) (19.0)
Profit/(loss) from continuing operations   13.0 21.0 42.0
Profit from discontinued operations (net)   (1,542.0) (1,241.0) (1,058.0)
Profit/(loss) for the year   (1,529.0) (1,220.0) (1,016.0)
Non-controlling interests   580.0 420.0 342.0
Underlying profit attributable to the parent   (949.0) (800.0) (674.0)
Other adjustments        
Reconciliation of statutory results to underlying results        
Net interest income   0.0 0.0
Net fee income   0.0 0.0
Gains (losses) on financial transactions   0.0 0.0
Other operating income   0.0 0.0
Total income   0.0 0.0 0.0
Administrative expenses, depreciation and amortisation   0.0 0.0 0.0
Other operating costs   (1,653.0) 2,219.0 (1,886.0)
Net operating income   (1,653.0) (2,219.0) (1,886.0)
Net loan-loss provisions   467.0 352.0 474.0
Other gains (losses) and provisions   1,422.0 1,867.0 1,651.0
Operating profit/(loss) before tax   236.0 0.0 239.0
Tax on profit   (210.0) 0.0 (213.0)
Profit/(loss) from continuing operations   26.0 0.0 26.0
Profit from discontinued operations (net)   0.0 0.0 0.0
Profit/(loss) for the year   26.0 0.0 26.0
Non-controlling interests   (26.0) 0.0 (26.0)
Underlying profit attributable to the parent   0.0 0.0 0.0
Underlying results        
Reconciliation of statutory results to underlying results        
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
Administrative expenses, depreciation and amortisation   (24,757.0) (25,135.0) (24,615.0)
Other operating costs   (1,653.0) 2,219.0 (1,886.0)
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
Profit from discontinued operations (net)   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)