v3.26.1
Risk management - Changes in gross carrying amounts and loan loss provisions (Details) - EUR (€)
€ in Millions
 6 Months Ended 12 Months Ended
Jun. 30, 2026
Dec. 31, 2025
Gross carrying amount | Purchased credit impaired | Stage 3: Lifetime Expected Credit Losses    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January € (29)  
Closing balance (25) € (29)
Gross carrying amount | Stage 2    
Disclosure of credit risk exposure [line items]    
Changes in models/risk parameters (8,500)  
Provisions    
Disclosure of credit risk exposure [line items]    
Increase in loan loss provisions 625 1,304
Closing balance (6,214)  
Provisions | IFRS-9 Eligible Financial Assets    
Disclosure of credit risk exposure [line items]    
Financial assets that have been derecognised 628 1,301
Provisions | Non-credit replacement guarantees    
Disclosure of credit risk exposure [line items]    
Increase in loan loss provisions (4) (5)
Provisions | Modification gains and losses on restructured financial assets    
Disclosure of credit risk exposure [line items]    
Increase in loan loss provisions 1 8
Loans | Gross carrying amount    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 1,135,409 1,048,574
Net remeasurement of loan loss provisions
New financial assets originated or purchased 150,628 263,393
Financial assets that have been derecognised (82,564) (132,814)
Net drawdowns and repayments 7,743 (64,085)
Changes in models/risk parameters
Write-offs (414) (937)
Disposals (858) (1,314)
Foreign exchange and other movements (5) 22,591
Closing balance 1,209,939 1,135,409
Loans | Gross carrying amount | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications 
Loans | Gross carrying amount | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications 
Loans | Gross carrying amount | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications 
Loans | Gross carrying amount | Stage 1    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 1,044,332 954,943
Net remeasurement of loan loss provisions
New financial assets originated or purchased 150,628 263,371
Financial assets that have been derecognised (75,360) (119,098)
Net drawdowns and repayments 11,160 (57,493)
Changes in models/risk parameters
Write-offs
Disposals (510) (666)
Foreign exchange and other movements (6) 21,242
Closing balance 1,109,717 1,044,332
Loans | Gross carrying amount | Stage 1 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  14,038 21,773
Loans | Gross carrying amount | Stage 1 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (33,493) (37,208)
Loans | Gross carrying amount | Stage 1 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (1,072) (2,534)
Loans | Gross carrying amount | Stage 2    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 77,487 79,888
Net remeasurement of loan loss provisions
New financial assets originated or purchased
Financial assets that have been derecognised (6,342) (12,295)
Net drawdowns and repayments (3,143) (5,739)
Changes in models/risk parameters
Write-offs
Disposals (28) (84)
Foreign exchange and other movements 1 1,269
Closing balance 86,015 77,487
Loans | Gross carrying amount | Stage 2 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (13,947) (21,555)
Loans | Gross carrying amount | Stage 2 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  34,234 38,174
Loans | Gross carrying amount | Stage 2 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (2,247) (2,172)
Loans | Gross carrying amount | Stage 3    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January 13,590 13,742
Net remeasurement of loan loss provisions
New financial assets originated or purchased (22)
Financial assets that have been derecognised (862) (1,422)
Net drawdowns and repayments (274) (853)
Changes in models/risk parameters
Write-offs (414) (937)
Disposals (320) (564)
Foreign exchange and other movements 80
Closing balance 14,207 13,590
Loans | Gross carrying amount | Stage 3 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (91) (218)
Loans | Gross carrying amount | Stage 3 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (741) (966)
Loans | Gross carrying amount | Stage 3 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  3,319 4,705
Loans | Provisions    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (6,101) (6,049)
Net remeasurement of loan loss provisions 212 302
New financial assets originated or purchased (111) (191)
Financial assets that have been derecognised (382) (465)
Changes in models/risk parameters (7) 3
Increase in loan loss provisions 624 1,296
Write-offs (408) (937)
Disposals (147) (291)
Recoveries of amounts previously written off 29 58
Foreign exchange and other movements 16 (73)
Closing balance (6,214) (6,101)
Loans | Provisions | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  135 212
Loans | Provisions | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (253) (368)
Loans | Provisions | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (572) (1,108)
Loans | Provisions | Stage 1    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (446) (409)
Net remeasurement of loan loss provisions 13 7
New financial assets originated or purchased (110) (189)
Financial assets that have been derecognised (43) (78)
Changes in models/risk parameters (14) (33)
Increase in loan loss provisions 39 43
Write-offs
Disposals (3)
Recoveries of amounts previously written off
Foreign exchange and other movements (23) (4)
Closing balance (462) (446)
Loans | Provisions | Stage 1 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (18) (21)
Loans | Provisions | Stage 1 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  39 50
Loans | Provisions | Stage 1 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  6 14
Loans | Provisions | Stage 2    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (1,179) (1,130)
Net remeasurement of loan loss provisions 62 (53)
New financial assets originated or purchased
Financial assets that have been derecognised (79) (147)
Changes in models/risk parameters (3) 71
Increase in loan loss provisions 16 68
Write-offs
Disposals (2) (3)
Recoveries of amounts previously written off
Foreign exchange and other movements (9) (16)
Closing balance (1,184) (1,179)
Loans | Provisions | Stage 2 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  141 199
Loans | Provisions | Stage 2 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  (353) (533)
Loans | Provisions | Stage 2 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  175 138
Loans | Provisions | Stage 3    
Disclosure of credit risk exposure [line items]    
Opening balance as at 1 January (4,476) (4,509)
Net remeasurement of loan loss provisions 137 349
New financial assets originated or purchased (1) (2)
Financial assets that have been derecognised (260) (240)
Changes in models/risk parameters 10 (35)
Increase in loan loss provisions 569 1,185
Write-offs (408) (937)
Disposals (145) (286)
Recoveries of amounts previously written off 29 58
Foreign exchange and other movements 47 (53)
Closing balance (4,568) (4,476)
Loans | Provisions | Stage 3 | 12-month expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  12 35
Loans | Provisions | Stage 3 | Not credit-impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  61 115
Loans | Provisions | Stage 3 | Credit impaired | Lifetime expected credit losses    
Disclosure of credit risk exposure [line items]    
Transfers and reclassifications  € (754) € (1,259)