v3.26.1
Commission income
 12 Months Ended
Dec. 31, 2025
Fee and commission income [abstract]  
Commission income Commission income
Commission income comprises the amount of all fees and commissions accruing in favour of the Group in the year, except those that form an integral part of the effective interest rate on financial instruments.
The detail of fee and commission income is as follows:
EUR million
202520242023
Coming from collection and payment services
Bills209 220 232 
Demand accounts1,359 1,411 1,372 
Cards4,039 4,067 4,146 
Orders607 657 656 
Cheques and other140 138 128 
6,354 6,493 6,534 
Coming from non-banking financial products
Investment funds1,428 1,389 1,037 
Pension funds238 194 178 
Insurance2,782 2,865 2,669 
4,448 4,448 3,884 
Coming from Securities services
Securities underwriting and placement602 586 502 
Securities trading654 452 331 
Administration and custody402 370 354 
Asset management385 254 341 
2,043 1,662 1,528 
Other
Foreign exchange848 705 678 
Commitments and financial guarantees718 713 621 
Commitment fees504 491 497 
Structure Finance902 709 551 
Corporate Finance243 213 136 
Loans granted259 318 259 
Loan Servicing activities118 130 45 
Other fees and commissions950 952 911 
4,542 4,231 3,698 
17,387 16,834 15,644