v3.26.1
Risk management - Disclosure of main credit risk aggregates arising on customer business (Details) - EUR (€)
€ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 300,026 € 283,497 € 243,203
Recoveries on loans previously written off € 1,791    
Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 2.91% 3.03% 3.11%
NPL coverage ratio 66.00% 64.00% 66.00%
Net loan-loss provisions € 12,128 € 11,822 € 11,784
Cost of risk (in percent) 1.14% 1.12% 1.13%
Accumulated impairment      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € (520) € (349) € (286)
Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans 1,159,180 1,134,418 1,115,288
Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 33,739 € 34,383 € 34,671
Spain      
Disclosure of credit risk exposure [line items]      
NPL ratio 1.94%    
NPL coverage ratio 55.00%    
Cost of risk (in percent) 0.43%    
Spain | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 1.94% 2.66% 3.04%
NPL coverage ratio 55.00% 53.00% 49.00%
Net loan-loss provisions € 1,142 € 1,259 € 1,522
Cost of risk (in percent) 0.43% 0.50% 0.61%
Spain | Accumulated impairment      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € (1,086)    
Spain | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans 305,156 € 288,162 € 280,629
Spain | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 5,915 € 7,677 € 8,531
United Kingdom | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 1.08% 1.33% 1.42%
NPL coverage ratio 33.00% 29.00% 30.00%
Net loan-loss provisions € 177 € 64 € 247
Cost of risk (in percent) 0.07% 0.03% 0.10%
United Kingdom | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 244,303 € 248,061 € 247,360
United Kingdom | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 2,645 € 3,299 € 3,518
Portugal | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 1.99% 2.27% 2.41%
NPL coverage ratio 81.00% 78.00% 83.00%
Net loan-loss provisions € (8) € 11 € 77
Cost of risk (in percent) (0.02%) 0.03% 0.19%
Portugal | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 47,760 € 44,573 € 42,455
Portugal | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 948 € 1,014 € 1,024
US | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 4.82% 4.68% 4.57%
NPL coverage ratio 55.00% 64.00% 68.00%
Net loan-loss provisions € 2,244 € 2,507 € 2,593
Cost of risk (in percent) 1.62% 1.82% 1.92%
US | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 148,488 € 149,907 € 137,894
US | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 7,150 € 7,012 € 6,303
Mexico | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 2.65% 2.71% 2.82%
NPL coverage ratio 105.00% 100.00% 100.00%
Net loan-loss provisions € 1,239 € 1,277 € 1,135
Cost of risk (in percent) 2.69% 2.64% 2.43%
Mexico | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 53,476 € 49,927 € 52,785
Mexico | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 1,420 € 1,352 € 1,489
Brazil | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 6.76% 6.10% 6.25%
NPL coverage ratio 81.00% 79.00% 83.00%
Net loan-loss provisions € 4,409 € 4,487 € 4,701
Cost of risk (in percent) 4.17% 4.03% 4.27%
Brazil | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 118,546 € 116,247 € 126,722
Brazil | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 8,010 € 7,090 € 7,923
Chile | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 5.73% 5.37% 5.01%
NPL coverage ratio 48.00% 50.00% 53.00%
Net loan-loss provisions € 531 € 497 € 365
Cost of risk (in percent) 1.32% 1.19% 0.80%
Chile | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 44,146 € 44,590 € 46,565
Chile | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 2,528 € 2,394 € 2,332
Argentina | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 7.68% 2.06% 1.99%
NPL coverage ratio 90.00% 177.00% 166.00%
Net loan-loss provisions € 574 € 284 € 150
Cost of risk (in percent) 7.34% 4.59% 6.64%
Argentina | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 8,813 € 8,411 € 3,903
Argentina | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 677 € 173 € 78
Openbank Europe | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 2.53% 2.50% 2.12%
NPL coverage ratio 87.00% 83.00% 88.00%
Net loan-loss provisions € 1,363 € 1,209 € 792
Cost of risk (in percent) 0.97% 0.88% 0.62%
Openbank Europe | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 144,039 € 141,312 € 135,608
Openbank Europe | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 3,642 € 3,527 € 2,877
Corporate Centre | Credit risk      
Disclosure of credit risk exposure [line items]      
NPL ratio 3.50% 3.89% 3.67%
NPL coverage ratio 24.00% 25.00% 34.00%
Net loan-loss provisions € 198 € (3) € (2)
Cost of risk (in percent) 2.79% (0.05%) (0.04%)
Corporate Centre | Customers | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 9,340 € 9,256 € 8,206
Corporate Centre | Customers | Financial instruments credit-impaired | Accumulated impairment | Credit risk      
Disclosure of credit risk exposure [line items]      
Credit impaired loans € 327 € 360 € 302