(Re)Insurance contracts and investment contracts with discretionary participation features - Summary of Insurance Contracts and Reinsurance Contracts by Type (Detail) - EUR (€)
€ in Millions |
6 Months Ended |
12 Months Ended |
Jun. 30, 2026 |
Jun. 30, 2025 |
Dec. 31, 2025 |
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets |
€ 18
|
|
|
|
|
| Beginning balance |
176,067
|
|
|
|
|
| Opening net balance |
176,049
|
|
|
|
|
| Opening assets, Reinsurance |
17,153
|
|
|
|
|
| Other reinsurance finance income / (expenses) |
332
|
[1] |
€ 267
|
[2] |
|
| Closing assets |
16
|
|
|
|
€ 18
|
| Closing net balance |
137,391
|
|
|
|
176,049
|
| Closing balance |
137,407
|
|
|
|
176,067
|
| Closing assets, Reinsurance |
17,374
|
|
|
|
17,153
|
| Insurance contracts other than those to which premium allocation approach has been applied [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets |
18
|
|
|
|
|
| Beginning balance |
176,024
|
|
|
|
|
| Opening net balance |
176,006
|
|
|
|
|
| Opening assets, Reinsurance |
17,146
|
|
|
|
|
| Closing assets |
16
|
|
|
|
18
|
| Closing net balance |
137,341
|
|
|
|
176,006
|
| Closing balance |
137,357
|
|
|
|
176,024
|
| Closing assets, Reinsurance |
17,365
|
|
|
|
17,146
|
| Insurance contracts issued [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets |
18
|
|
125
|
|
125
|
| Beginning balance |
176,024
|
|
188,318
|
|
188,318
|
| Opening net balance |
176,006
|
|
188,193
|
|
188,193
|
| Insurance revenue |
(4,265)
|
|
|
|
(8,906)
|
| Incurred claims and expenses |
3,370
|
|
|
|
7,589
|
| Amortization of acquisition cash flows |
276
|
|
|
|
538
|
| Onerous contract losses (and reversals) |
888
|
|
|
|
1,139
|
| Adjustments for incurred claims |
0
|
|
|
|
1
|
| Insurance service expenses |
4,535
|
|
|
|
9,267
|
| Investment components |
0
|
|
|
|
0
|
| Insurance service result |
270
|
|
|
|
361
|
| Insurance finance (income) / expenses |
5,334
|
|
|
|
18,143
|
| Cash flows |
(5,238)
|
|
|
|
(11,326)
|
| Disposal of a business |
0
|
|
|
|
(7)
|
| Transfers to disposal groups |
(42,977)
|
|
|
|
0
|
| Transfer (to)/from other headings |
0
|
|
|
|
0
|
| Net exchange differences |
3,946
|
|
|
|
(19,358)
|
| Closing assets |
16
|
|
|
|
18
|
| Closing net balance |
137,341
|
|
|
|
176,006
|
| Closing balance |
137,357
|
|
|
|
176,024
|
| Insurance contracts issued [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | LRC [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets |
(27)
|
|
(1,373)
|
|
(1,373)
|
| Beginning balance |
2,829
|
|
1,252
|
|
1,252
|
| Opening net balance |
2,856
|
|
2,625
|
|
2,625
|
| Insurance revenue |
0
|
|
|
|
0
|
| Incurred claims and expenses |
(222)
|
|
|
|
(378)
|
| Amortization of acquisition cash flows |
0
|
|
|
|
0
|
| Onerous contract losses (and reversals) |
888
|
|
|
|
1,139
|
| Adjustments for incurred claims |
0
|
|
|
|
0
|
| Insurance service expenses |
666
|
|
|
|
762
|
| Investment components |
0
|
|
|
|
0
|
| Insurance service result |
666
|
|
|
|
762
|
| Insurance finance (income) / expenses |
49
|
|
|
|
138
|
| Cash flows |
(206)
|
|
|
|
(353)
|
| Disposal of a business |
0
|
|
|
|
0
|
| Transfers to disposal groups |
(11)
|
|
|
|
0
|
| Transfer (to)/from other headings |
0
|
|
|
|
10
|
| Net exchange differences |
90
|
|
|
|
(326)
|
| Closing assets |
(29)
|
|
|
|
(27)
|
| Closing net balance |
3,445
|
|
|
|
2,856
|
| Closing balance |
3,416
|
|
|
|
2,829
|
| Insurance contracts issued [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | LFRC [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets |
59
|
|
1,886
|
|
1,886
|
| Beginning balance |
141,597
|
|
159,857
|
|
159,857
|
| Opening net balance |
141,539
|
|
157,971
|
|
157,971
|
| Insurance revenue |
(4,265)
|
|
|
|
(8,906)
|
| Incurred claims and expenses |
0
|
|
|
|
0
|
| Amortization of acquisition cash flows |
276
|
|
|
|
538
|
| Onerous contract losses (and reversals) |
0
|
|
|
|
0
|
| Adjustments for incurred claims |
0
|
|
|
|
0
|
| Insurance service expenses |
276
|
|
|
|
538
|
| Investment components |
(2,106)
|
|
|
|
(5,809)
|
| Insurance service result |
(6,095)
|
|
|
|
(14,177)
|
| Insurance finance (income) / expenses |
5,285
|
|
|
|
18,005
|
| Cash flows |
(2,985)
|
|
|
|
(4,721)
|
| Disposal of a business |
0
|
|
|
|
(7)
|
| Transfers to disposal groups |
(42,936)
|
|
|
|
0
|
| Transfer (to)/from other headings |
0
|
|
|
|
(10)
|
| Net exchange differences |
2,902
|
|
|
|
(15,522)
|
| Closing assets |
62
|
|
|
|
59
|
| Closing net balance |
97,710
|
|
|
|
141,539
|
| Closing balance |
97,772
|
|
|
|
141,597
|
| Insurance contracts issued [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Liability for incurred claims [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets |
(14)
|
|
(387)
|
|
(387)
|
| Beginning balance |
31,597
|
|
27,209
|
|
27,209
|
| Opening net balance |
31,611
|
|
27,596
|
|
27,596
|
| Insurance revenue |
0
|
|
|
|
0
|
| Incurred claims and expenses |
3,592
|
|
|
|
7,967
|
| Amortization of acquisition cash flows |
0
|
|
|
|
0
|
| Onerous contract losses (and reversals) |
0
|
|
|
|
0
|
| Adjustments for incurred claims |
0
|
|
|
|
1
|
| Insurance service expenses |
3,593
|
|
|
|
7,967
|
| Investment components |
2,106
|
|
|
|
5,809
|
| Insurance service result |
5,699
|
|
|
|
13,776
|
| Insurance finance (income) / expenses |
0
|
|
|
|
0
|
| Cash flows |
(2,047)
|
|
|
|
(6,252)
|
| Disposal of a business |
0
|
|
|
|
0
|
| Transfers to disposal groups |
(29)
|
|
|
|
0
|
| Transfer (to)/from other headings |
0
|
|
|
|
0
|
| Net exchange differences |
954
|
|
|
|
(3,510)
|
| Closing assets |
(17)
|
|
|
|
(14)
|
| Closing net balance |
36,187
|
|
|
|
31,611
|
| Closing balance |
36,170
|
|
|
|
31,597
|
| Reinsurance contracts held [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Effect of changes in risk of non-performance of reinsurers |
(7)
|
[1] |
1
|
[2] |
|
| Reinsurance contracts held [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets, Reinsurance |
17,146
|
|
16,015
|
|
16,015
|
| Opening liabilities, Reinsurance |
195
|
|
303
|
|
303
|
| Net opening balance, Reinsurance |
16,950
|
|
15,712
|
|
15,712
|
| Net expenses from reinsurance contracts |
372
|
|
|
|
837
|
| Other reinsurance finance income / (expenses) |
168
|
|
|
|
681
|
| Effect of changes in risk of non-performance of reinsurers |
(7)
|
|
|
|
2
|
| Insurance finance (income) / expenses |
162
|
|
|
|
683
|
| Total changes in the profit or loss and OCI |
534
|
|
|
|
1,520
|
| Cash flows |
(788)
|
|
|
|
1,680
|
| Cash flows of reInsurance |
(788)
|
|
|
|
1,680
|
| Transfers to disposal groups, Reinsurance |
4
|
|
|
|
0
|
| Net exchange differences of reinsurance |
464
|
|
|
|
(1,961)
|
| Net closing balance, Reinsurance |
17,164
|
|
|
|
16,950
|
| Closing assets, Reinsurance |
17,365
|
|
|
|
17,146
|
| Closing liabilities, Reinsurance |
201
|
|
|
|
195
|
| Reinsurance contracts held [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | AFRC [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets, Reinsurance |
15,749
|
|
15,965
|
|
15,965
|
| Opening liabilities, Reinsurance |
191
|
|
2,011
|
|
2,011
|
| Net opening balance, Reinsurance |
15,558
|
|
13,954
|
|
13,954
|
| Net expenses from reinsurance contracts |
(48)
|
|
|
|
308
|
| Other reinsurance finance income / (expenses) |
137
|
|
|
|
613
|
| Effect of changes in risk of non-performance of reinsurers |
(7)
|
|
|
|
2
|
| Total changes in the profit or loss and OCI |
82
|
|
|
|
922
|
| Cash flows of reInsurance |
(654)
|
|
|
|
2,443
|
| Transfers to disposal groups, Reinsurance |
4
|
|
|
|
0
|
| Net exchange differences of reinsurance |
418
|
|
|
|
(1,761)
|
| Net closing balance, Reinsurance |
15,408
|
|
|
|
15,558
|
| Closing assets, Reinsurance |
15,603
|
|
|
|
15,749
|
| Closing liabilities, Reinsurance |
195
|
|
|
|
191
|
| Reinsurance contracts held [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | LRC [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets, Reinsurance |
1,693
|
|
475
|
|
475
|
| Opening liabilities, Reinsurance |
2
|
|
(1,270)
|
|
(1,270)
|
| Net opening balance, Reinsurance |
1,690
|
|
1,745
|
|
1,745
|
| Net expenses from reinsurance contracts |
450
|
|
|
|
254
|
| Other reinsurance finance income / (expenses) |
31
|
|
|
|
69
|
| Effect of changes in risk of non-performance of reinsurers |
0
|
|
|
|
0
|
| Total changes in the profit or loss and OCI |
481
|
|
|
|
322
|
| Cash flows of reInsurance |
(104)
|
|
|
|
(166)
|
| Transfers to disposal groups, Reinsurance |
0
|
|
|
|
0
|
| Net exchange differences of reinsurance |
55
|
|
|
|
(211)
|
| Net closing balance, Reinsurance |
2,122
|
|
|
|
1,690
|
| Closing assets, Reinsurance |
2,125
|
|
|
|
1,693
|
| Closing liabilities, Reinsurance |
2
|
|
|
|
2
|
| Reinsurance contracts held [member] | AFIC [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] |
|
|
|
|
|
| Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |
|
|
|
|
|
| Opening assets, Reinsurance |
(296)
|
|
(426)
|
|
(426)
|
| Opening liabilities, Reinsurance |
2
|
|
(439)
|
|
(439)
|
| Net opening balance, Reinsurance |
(298)
|
|
€ 13
|
|
13
|
| Net expenses from reinsurance contracts |
(29)
|
|
|
|
275
|
| Other reinsurance finance income / (expenses) |
0
|
|
|
|
0
|
| Effect of changes in risk of non-performance of reinsurers |
0
|
|
|
|
0
|
| Total changes in the profit or loss and OCI |
(29)
|
|
|
|
275
|
| Cash flows of reInsurance |
(29)
|
|
|
|
(597)
|
| Transfers to disposal groups, Reinsurance |
0
|
|
|
|
0
|
| Net exchange differences of reinsurance |
(10)
|
|
|
|
10
|
| Net closing balance, Reinsurance |
(366)
|
|
|
|
(298)
|
| Closing assets, Reinsurance |
(363)
|
|
|
|
(296)
|
| Closing liabilities, Reinsurance |
€ 4
|
|
|
|
€ 2
|
|
|