v3.26.1
Segments - Summary of segments banking (Details) - EUR (€)
€ in Millions
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
Disclosure of operating segments [line items]    
Net interest income € 8,331 € 7,290
Net fee and commission income 2,514 2,216
– of which revaluations and trading income 599 2,773
– of which Regulatory expenses 402 439
Addition to loan loss provisions 625 612
Total expenses 6,930 6,846
Result before tax 4,738 5,558
Taxation 1,434 1,516
Non-controlling interests 120 127
Net result 3,184 3,915
EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Taxation 120 (279)
Net result 319 (786)
Segments banking activities    
Disclosure of operating segments [line items]    
Net result 3,184 3,915
Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 8,181 7,159
Net fee and commission income 2,514 2,216
Total investment and other income 1,412 1,965
– of which share of result from associates and joint ventures 124 85
– of which revaluations and trading income 1,188 1,839
Total revenue 12,107 11,339
Operating expenses 6,305 6,234
– of which Regulatory expenses 402 439
Addition to loan loss provisions 625 612
Total expenses 6,930 6,846
Result before tax 5,177 4,493
Taxation 1,554 1,237
Non-controlling interests 120 127
Net result 3,503 3,130
Segments banking activities | EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Net result (319) 786
Retail Netherlands [Member] | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 1,293 1,029
Retail Netherlands [Member] | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 1,919 1,508
Net fee and commission income 593 540
Total investment and other income 248 403
– of which share of result from associates and joint ventures 28 (4)
– of which revaluations and trading income 189 383
Total revenue 2,759 2,451
Operating expenses 973 981
Addition to loan loss provisions 39 72
Total expenses 1,012 1,054
Result before tax 1,747 1,398
Taxation 455 369
Net result 1,293 1,029
Retail Belgium | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 267 164
Retail Belgium | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 940 886
Net fee and commission income 385 339
Total investment and other income 90 73
– of which share of result from associates and joint ventures 14 75
– of which revaluations and trading income 64 48
Total revenue 1,414 1,298
Operating expenses 915 995
– of which Regulatory expenses 177 226
Addition to loan loss provisions 131 76
Total expenses 1,046 1,072
Result before tax 368 226
Taxation 101 62
Non-controlling interests 0 0
Net result 267 164
Retail Germany | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 516 450
Retail Germany | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 1,245 1,215
Net fee and commission income 307 287
Total investment and other income (14) (77)
– of which revaluations and trading income (25) (84)
Total revenue 1,538 1,425
Operating expenses 700 680
– of which Regulatory expenses (3) 25
Addition to loan loss provisions 78 77
Total expenses 777 758
Result before tax 760 667
Taxation 244 216
Non-controlling interests 1 1
Net result 516 450
Retail Other | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 536 546
Retail Other | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 2,157 1,929
Net fee and commission income 457 356
Total investment and other income 83 164
– of which share of result from associates and joint ventures 3 5
– of which revaluations and trading income 22 148
Total revenue 2,697 2,449
Operating expenses 1,563 1,436
– of which Regulatory expenses 157 136
Addition to loan loss provisions 158 159
Total expenses 1,721 1,595
Result before tax 977 854
Taxation 340 202
Non-controlling interests 101 106
Net result 536 546
Wholesale Banking | EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Net result (319) 786
Wholesale Banking | Segments banking activities    
Disclosure of operating segments [line items]    
Net result 778 1,748
Wholesale Banking | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 1,768 1,412
Net fee and commission income 772 696
Total investment and other income 1,073 1,344
– of which share of result from associates and joint ventures 12 (58)
– of which revaluations and trading income 1,054 1,340
Total revenue 3,614 3,452
Operating expenses 1,886 1,901
– of which Regulatory expenses 70 51
Addition to loan loss provisions 204 227
Total expenses 2,091 2,128
Result before tax 1,523 1,324
Taxation 407 342
Non-controlling interests 18 19
Net result 1,097 962
Wholesale Banking | Segments banking activities | EU IAS 39 carve out impact    
Disclosure of operating segments [line items]    
Net result (319) 786
Corporate Line | Segments banking activities    
Disclosure of operating segments [line items]    
Net result (206) (21)
Corporate Line | Segments banking activities | Net Results IFRS-EU    
Disclosure of operating segments [line items]    
Net interest income 152 209
Net fee and commission income (1) (2)
Total investment and other income (67) 57
– of which share of result from associates and joint ventures 67 66
– of which revaluations and trading income (116) 3
Total revenue 84 265
Operating expenses 268 239
– of which Regulatory expenses 1 0
Addition to loan loss provisions 15 0
Total expenses 283 240
Result before tax (199) 25
Taxation 8 45
Non-controlling interests 0  
Net result € (206) € (21)