v3.26.1
Commission expense
12 Months Ended
Dec. 31, 2025
Fee and commission expense [abstract]  
Commission expense Commission expense
Commission expense shows the amount of all fees and commissions paid or payable by the Group in the year, except those that form an integral part of the effective interest rate on financial instruments.
The detail of commission expense is as follows:
EUR million
202520242023
Cards1,744 1,816 1,858 
By collection and return of effects30 30 24 
Financial guarantees and other commitments359 323 282 
Brokerages and intermediaries130 181 204 
Sales of insurance and funds456 453 352 
Other fees and commissions1,692 1,655 1,429 
4,411 4,458 4,149