v3.26.1
Allowance for credit losses - Development of allowance for credit losses for financial assets at amortized cost (Detail) - Allowance for credit losses - EUR (€)
€ in Millions
 6 Months Ended
Jun. 30, 2026
 [1]
Jun. 30, 2025
 [2]
Development Of Allowance For Credit Losses For Off Balance Sheet Positions [Line Item]    
Balance, beginning of year € 6,156 € 5,799
Movements in financial assets including new business 957 1,012
Transfers due to changes in creditworthiness 0 [3] 0 [4]
Changes in models (4) (133)
Financial assets that have been derecognized during the period (577) [5] (447) [6]
Recovery of written off amounts 51 78
Foreign exchange and other changes (139) (292)
Balance, end of reporting period 6,445 6,018
Provision for credit losses excluding country risk 953 [7],[8] 880 [9],[10]
Stage 1    
Development Of Allowance For Credit Losses For Off Balance Sheet Positions [Line Item]    
Balance, beginning of year 421 438
Movements in financial assets including new business (119) 21
Transfers due to changes in creditworthiness 78 [3] 96 [4]
Changes in models (1) (65)
Financial assets that have been derecognized during the period 0 [5] 0 [6]
Recovery of written off amounts 0 0
Foreign exchange and other changes (30) (9)
Balance, end of reporting period 349 481
Provision for credit losses excluding country risk (42) [7],[8] 52 [9],[10]
Stage 2    
Development Of Allowance For Credit Losses For Off Balance Sheet Positions [Line Item]    
Balance, beginning of year 888 736
Movements in financial assets including new business 56 217
Transfers due to changes in creditworthiness (100) [3] (104) [4]
Changes in models (3) 87
Financial assets that have been derecognized during the period 0 [5] 0 [6]
Recovery of written off amounts 0 0
Foreign exchange and other changes 11 (27)
Balance, end of reporting period 853 909
Provision for credit losses excluding country risk (47) [7],[8] 200 [9],[10]
Stage 3    
Development Of Allowance For Credit Losses For Off Balance Sheet Positions [Line Item]    
Balance, beginning of year 4,600 4,412
Movements in financial assets including new business 1,027 778
Transfers due to changes in creditworthiness 21 [3] 8 [4]
Changes in models 0 (155)
Financial assets that have been derecognized during the period (569) [5] (447) [6]
Recovery of written off amounts 51 78
Foreign exchange and other changes (121) (258)
Balance, end of reporting period 5,009 4,416
Provision for credit losses excluding country risk 1,049 [7],[8] 631 [9],[10]
Stage 3 POCI    
Development Of Allowance For Credit Losses For Off Balance Sheet Positions [Line Item]    
Balance, beginning of year 247 213
Movements in financial assets including new business (7) (4)
Changes in models 0 0
Financial assets that have been derecognized during the period (8) [5] 0 [6]
Recovery of written off amounts 0 0
Foreign exchange and other changes 2 2
Balance, end of reporting period 234 211
Provision for credit losses excluding country risk € (7) [7],[8] € (4) [9],[10]
[1] Allowance for credit losses does not include allowance for country risk amounting to € 7 million as of June 30, 2026
[2] Allowance for credit losses does not include allowance for country risk amounting to € 7 million as of June 30, 2025
[3] Transfers due to changes in creditworthiness shows the credit loss allowance movements due to stage transfer prior to expected credit loss remeasurement
[4] Transfers due to changes in creditworthiness shows the credit loss allowance movements due to stage transfer prior to expected credit loss remeasurement
[5] This position includes charge offs of allowance for credit losses
[6] This position includes charge offs of allowance for credit losses
[7] Credit loss provision does include € 9 million reimbursement gain as of June 30, 2026
[8] Movements in financial assets including new business, transfers due to changes in creditworthiness and changes in models add up to provision for credit losses excluding
country risk
[9] Credit loss provision includes € 8 million reimbursement gain as of June 30, 2025
[10] The above table breaks down the impact on provision for credit losses from movements in financial assets including new business, transfers due to changes in
creditworthiness and changes in models