(Re)Insurance contracts and investment contracts with discretionary participation features - Summary of Movement Schedules by Measurement Component (Detail) - EUR (€)
€ in Millions |
6 Months Ended |
12 Months Ended |
Jun. 30, 2026 |
Jun. 30, 2025 |
Dec. 31, 2025 |
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets |
€ 18
|
|
|
|
|
| Beginning balance |
176,067
|
|
|
|
|
| Opening net balance |
176,049
|
|
|
|
|
| Opening assets, Reinsurance |
17,153
|
|
|
|
|
| Opening liabilities, Reinsurance |
195
|
|
|
|
|
| Net opening balance, Investment contracts |
21,281
|
|
€ 22,332
|
|
€ 22,332
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Closing net balance |
137,391
|
|
|
|
176,049
|
| Closing assets |
16
|
|
|
|
18
|
| Closing balance |
137,407
|
|
|
|
176,067
|
| Closing assets, Reinsurance |
17,374
|
|
|
|
17,153
|
| Closing liabilities, Reinsurance |
201
|
|
|
|
195
|
| Net closing balance, Investment contracts |
20
|
|
|
|
21,281
|
| Reinsurance contracts held [member] |
|
|
|
|
|
| General Model [Abstract] |
|
|
|
|
|
| Interest accreted to insurance contracts |
339
|
[1] |
280
|
[2] |
|
| Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates |
(35)
|
[1] |
(54)
|
[2] |
|
| Insurance contracts other than those to which premium allocation approach has been applied [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets |
18
|
|
|
|
|
| Beginning balance |
176,024
|
|
|
|
|
| Opening net balance |
176,006
|
|
|
|
|
| Opening assets, Reinsurance |
17,146
|
|
|
|
|
| Opening liabilities, Reinsurance |
195
|
|
|
|
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Closing net balance |
137,341
|
|
|
|
176,006
|
| Closing assets |
16
|
|
|
|
18
|
| Closing balance |
137,357
|
|
|
|
176,024
|
| Closing assets, Reinsurance |
17,365
|
|
|
|
17,146
|
| Closing liabilities, Reinsurance |
201
|
|
|
|
195
|
| Insurance contracts other than those to which premium allocation approach has been applied [member] | Insurance contracts issued [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets |
18
|
|
125
|
|
125
|
| Beginning balance |
176,024
|
|
188,318
|
|
188,318
|
| Opening net balance |
176,006
|
|
188,193
|
|
188,193
|
| Changes in estimates that adjust contractual service margin |
0
|
|
|
|
0
|
| Changes in estimates that adjust onerous contracts |
859
|
|
|
|
1,098
|
| New contracts issued – non-onerous |
0
|
|
|
|
0
|
| New contracts issued – onerous |
29
|
|
|
|
42
|
| Changes that relate to future service |
888
|
|
|
|
1,139
|
| Earnings released from contractual service margin |
(431)
|
|
|
|
(930)
|
| Release of risk adjustment |
(132)
|
|
|
|
(278)
|
| Experience adjustments on current service |
(58)
|
|
|
|
439
|
| Revenue recognised for incurred policyholder tax expenses |
3
|
|
|
|
(11)
|
| Changes that relate to current service |
(618)
|
|
|
|
(780)
|
| Changes that relate to past service |
0
|
|
|
|
1
|
| Experience adjustments on claims incurred |
0
|
|
|
|
1
|
| Insurance service result |
270
|
|
|
|
361
|
| General Model [Abstract] |
|
|
|
|
|
| Interest accreted to insurance contracts |
1,493
|
|
|
|
3,021
|
| Changes in interest rates and other financial assumptions |
198
|
|
|
|
1,771
|
| Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates |
(49)
|
|
|
|
(128)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets |
4,309
|
|
|
|
14,316
|
| Change in fulfilment value - risk mitigation option |
(616)
|
|
|
|
(836)
|
| Insurance finance income / (expenses) |
5,334
|
|
|
|
18,143
|
| Premiums received |
6,651
|
|
|
|
14,405
|
| Claims, benefits and expenses paid |
(11,240)
|
|
|
|
(24,576)
|
| Acquisition costs paid |
(638)
|
|
|
|
(1,126)
|
| Other |
(11)
|
|
|
|
(30)
|
| Cash flows |
(5,238)
|
|
|
|
(11,326)
|
| Disposal of a business |
0
|
|
|
|
(7)
|
| Transfers to disposal groups |
(42,977)
|
|
|
|
0
|
| Other movements |
(42,977)
|
|
|
|
(7)
|
| Net exchange differences |
3,946
|
|
|
|
(19,358)
|
| Closing net balance |
137,341
|
|
|
|
176,006
|
| Closing assets |
16
|
|
|
|
18
|
| Closing balance |
137,357
|
|
|
|
176,024
|
| Insurance contracts other than those to which premium allocation approach has been applied [member] | Reinsurance contracts held [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Increase Decrease Through Reversals of Loss Recovery Component Insurance Contracts Liability Asset |
1
|
|
|
|
0
|
| 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
|
| Changes in estimates that adjust contractual service margin |
0
|
|
|
|
0
|
| Changes in estimates that relate to losses and reversals of losses on underlying onerous contracts |
450
|
|
|
|
618
|
| New reinsurance contracts recognized in the year |
1
|
|
|
|
1
|
| Changes that relate to future service |
451
|
|
|
|
620
|
| Earnings released from contractual service margin |
(18)
|
|
|
|
(11)
|
| Release of risk adjustment |
(35)
|
|
|
|
(72)
|
| Experience adjustments on current service |
(26)
|
|
|
|
300
|
| Changes that relate to current service |
(79)
|
|
|
|
217
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Net income/expenses of reinsurance held |
372
|
|
|
|
837
|
| Insurance finance income / (expenses) |
162
|
|
|
|
683
|
| Premiums paid, net of received fixed commission |
628
|
|
|
|
4,950
|
| Amounts received |
(1,415)
|
|
|
|
(3,270)
|
| Other |
0
|
|
|
|
(1)
|
| Cash flows |
(788)
|
|
|
|
1,680
|
| Transfers to disposal groups |
4
|
|
|
|
0
|
| Net exchange differences |
464
|
|
|
|
(1,961)
|
| Net closing balance, Reinsurance |
17,164
|
|
|
|
16,950
|
| Closing assets, Reinsurance |
17,365
|
|
|
|
17,146
|
| Closing liabilities, Reinsurance |
201
|
|
|
|
195
|
| Insurance contracts other than those to which premium allocation approach has been applied [member] | Investment contracts with DPF [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets, Investment contracts |
0
|
|
0
|
|
0
|
| Opening liabilities, Investment contracts |
21,281
|
|
22,332
|
|
22,332
|
| Net opening balance, Investment contracts |
21,281
|
|
22,332
|
|
22,332
|
| Changes in estimates that adjust contractual service margin |
0
|
|
|
|
0
|
| Changes in estimates that adjust onerous contracts |
(1)
|
|
|
|
2
|
| New contracts issued – non-onerous |
0
|
|
|
|
0
|
| Changes that relate to future service |
(1)
|
|
|
|
2
|
| Earnings released from contractual service margin |
(9)
|
|
|
|
(37)
|
| Release of risk adjustment |
(4)
|
|
|
|
(14)
|
| Experience adjustments on current service |
0
|
|
|
|
4
|
| Changes that relate to current service |
(13)
|
|
|
|
(47)
|
| Insurance service result |
(13)
|
|
|
|
(45)
|
| General Model [Abstract] |
|
|
|
|
|
| Changes in interest rates and other financial assumptions |
1
|
|
|
|
0
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets of products with direct participating features |
(441)
|
|
|
|
2,916
|
| Insurance finance income / (expenses) |
(440)
|
|
|
|
2,916
|
| Premiums received |
106
|
|
|
|
413
|
| Claims, benefits and expenses paid |
(848)
|
|
|
|
(3,157)
|
| Acquisition costs paid |
(2)
|
|
|
|
(2)
|
| Other |
(1)
|
|
|
|
1
|
| Cash flows |
(746)
|
|
|
|
(2,744)
|
| Transfers to disposal groups |
(20,196)
|
|
|
|
0
|
| Net exchange differences |
133
|
|
|
|
(1,177)
|
| Net closing balance, Investment contracts |
20
|
|
|
|
21,281
|
| Closing assets, Investment contracts |
0
|
|
|
|
0
|
| Closing liabilities, Investment contracts |
20
|
|
|
|
21,281
|
| BEL [Member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Insurance contracts issued [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets |
100
|
|
452
|
|
452
|
| Beginning balance |
164,531
|
|
176,063
|
|
176,063
|
| Opening net balance |
164,430
|
|
175,611
|
|
175,611
|
| Changes in estimates that adjust contractual service margin |
(27)
|
|
|
|
(371)
|
| Changes in estimates that adjust onerous contracts |
717
|
|
|
|
1,069
|
| New contracts issued – non-onerous |
(468)
|
|
|
|
(788)
|
| New contracts issued – onerous |
19
|
|
|
|
25
|
| Changes that relate to future service |
241
|
|
|
|
(65)
|
| Earnings released from contractual service margin |
0
|
|
|
|
0
|
| Release of risk adjustment |
0
|
|
|
|
0
|
| Experience adjustments on current service |
(58)
|
|
|
|
439
|
| Revenue recognised for incurred policyholder tax expenses |
3
|
|
|
|
(11)
|
| Changes that relate to current service |
(55)
|
|
|
|
428
|
| Changes that relate to past service |
0
|
|
|
|
1
|
| Experience adjustments on claims incurred |
0
|
|
|
|
1
|
| Insurance service result |
186
|
|
|
|
364
|
| General Model [Abstract] |
|
|
|
|
|
| Interest accreted to insurance contracts |
1,301
|
|
|
|
2,654
|
| Changes in interest rates and other financial assumptions |
196
|
|
|
|
1,775
|
| Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates |
(45)
|
|
|
|
(138)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets |
4,309
|
|
|
|
14,316
|
| Change in fulfilment value - risk mitigation option |
(616)
|
|
|
|
(836)
|
| Insurance finance income / (expenses) |
5,145
|
|
|
|
17,770
|
| Premiums received |
6,651
|
|
|
|
14,405
|
| Claims, benefits and expenses paid |
(11,240)
|
|
|
|
(24,576)
|
| Acquisition costs paid |
(638)
|
|
|
|
(1,126)
|
| Other |
(11)
|
|
|
|
(30)
|
| Cash flows |
(5,238)
|
|
|
|
(11,326)
|
| Disposal of a business |
0
|
|
|
|
(7)
|
| Transfers to disposal groups |
(41,515)
|
|
|
|
0
|
| Other movements |
(41,515)
|
|
|
|
(7)
|
| Net exchange differences |
3,651
|
|
|
|
(17,981)
|
| Closing net balance |
126,659
|
|
|
|
164,430
|
| Closing assets |
104
|
|
|
|
100
|
| Closing balance |
126,764
|
|
|
|
164,531
|
| BEL [Member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Reinsurance contracts held [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Increase Decrease Through Reversals of Loss Recovery Component Insurance Contracts Liability Asset |
0
|
|
|
|
0
|
| Opening assets, Reinsurance |
15,816
|
|
15,374
|
|
15,374
|
| Opening liabilities, Reinsurance |
172
|
|
693
|
|
693
|
| Net opening balance, Reinsurance |
15,644
|
|
14,681
|
|
14,681
|
| Changes in estimates that adjust contractual service margin |
(53)
|
|
|
|
(234)
|
| Changes in estimates that relate to losses and reversals of losses on underlying onerous contracts |
476
|
|
|
|
591
|
| New reinsurance contracts recognized in the year |
(11)
|
|
|
|
(200)
|
| Changes that relate to future service |
411
|
|
|
|
157
|
| Earnings released from contractual service margin |
0
|
|
|
|
0
|
| Release of risk adjustment |
0
|
|
|
|
0
|
| Experience adjustments on current service |
(26)
|
|
|
|
300
|
| Changes that relate to current service |
(26)
|
|
|
|
300
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Net income/expenses of reinsurance held |
386
|
|
|
|
457
|
| Insurance finance income / (expenses) |
144
|
|
|
|
652
|
| Premiums paid, net of received fixed commission |
628
|
|
|
|
4,950
|
| Amounts received |
(1,415)
|
|
|
|
(3,270)
|
| Other |
0
|
|
|
|
(1)
|
| Cash flows |
(788)
|
|
|
|
1,680
|
| Transfers to disposal groups |
6
|
|
|
|
0
|
| Net exchange differences |
427
|
|
|
|
(1,826)
|
| Net closing balance, Reinsurance |
15,819
|
|
|
|
15,644
|
| Closing assets, Reinsurance |
15,998
|
|
|
|
15,816
|
| Closing liabilities, Reinsurance |
179
|
|
|
|
172
|
| BEL [Member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Investment contracts with DPF [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets, Investment contracts |
0
|
|
0
|
|
0
|
| Opening liabilities, Investment contracts |
20,940
|
|
21,987
|
|
21,987
|
| Net opening balance, Investment contracts |
20,940
|
|
21,987
|
|
21,987
|
| Changes in estimates that adjust contractual service margin |
24
|
|
|
|
(66)
|
| Changes in estimates that adjust onerous contracts |
(1)
|
|
|
|
2
|
| New contracts issued – non-onerous |
(2)
|
|
|
|
0
|
| Changes that relate to future service |
22
|
|
|
|
(64)
|
| Earnings released from contractual service margin |
0
|
|
|
|
0
|
| Release of risk adjustment |
0
|
|
|
|
0
|
| Experience adjustments on current service |
0
|
|
|
|
4
|
| Changes that relate to current service |
0
|
|
|
|
4
|
| Insurance service result |
22
|
|
|
|
(60)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets of products with direct participating features |
(441)
|
|
|
|
2,916
|
| Insurance finance income / (expenses) |
(440)
|
|
|
|
2,916
|
| Premiums received |
106
|
|
|
|
413
|
| Claims, benefits and expenses paid |
(848)
|
|
|
|
(3,157)
|
| Acquisition costs paid |
(2)
|
|
|
|
(2)
|
| Other |
(1)
|
|
|
|
1
|
| Cash flows |
(746)
|
|
|
|
(2,744)
|
| Transfers to disposal groups |
(19,891)
|
|
|
|
0
|
| Net exchange differences |
131
|
|
|
|
(1,159)
|
| Net closing balance, Investment contracts |
15
|
|
|
|
20,940
|
| Closing assets, Investment contracts |
0
|
|
|
|
0
|
| Closing liabilities, Investment contracts |
15
|
|
|
|
20,940
|
| RA [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Insurance contracts issued [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets |
(35)
|
|
(323)
|
|
(323)
|
| Beginning balance |
3,134
|
|
3,295
|
|
3,295
|
| Opening net balance |
3,169
|
|
3,618
|
|
3,618
|
| Changes in estimates that adjust contractual service margin |
(70)
|
|
|
|
(78)
|
| Changes in estimates that adjust onerous contracts |
143
|
|
|
|
29
|
| New contracts issued – non-onerous |
79
|
|
|
|
118
|
| New contracts issued – onerous |
10
|
|
|
|
17
|
| Changes that relate to future service |
162
|
|
|
|
86
|
| Earnings released from contractual service margin |
0
|
|
|
|
0
|
| Release of risk adjustment |
(132)
|
|
|
|
(278)
|
| Experience adjustments on current service |
0
|
|
|
|
0
|
| Revenue recognised for incurred policyholder tax expenses |
0
|
|
|
|
0
|
| Changes that relate to current service |
(132)
|
|
|
|
(278)
|
| Changes that relate to past service |
0
|
|
|
|
0
|
| Experience adjustments on claims incurred |
0
|
|
|
|
0
|
| Insurance service result |
30
|
|
|
|
(191)
|
| General Model [Abstract] |
|
|
|
|
|
| Interest accreted to insurance contracts |
62
|
|
|
|
141
|
| Changes in interest rates and other financial assumptions |
1
|
|
|
|
(4)
|
| Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates |
(4)
|
|
|
|
10
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets |
0
|
|
|
|
0
|
| Change in fulfilment value - risk mitigation option |
0
|
|
|
|
0
|
| Insurance finance income / (expenses) |
59
|
|
|
|
148
|
| Premiums received |
0
|
|
|
|
0
|
| Claims, benefits and expenses paid |
0
|
|
|
|
0
|
| Acquisition costs paid |
0
|
|
|
|
0
|
| Other |
0
|
|
|
|
0
|
| Cash flows |
0
|
|
|
|
0
|
| Disposal of a business |
0
|
|
|
|
0
|
| Transfers to disposal groups |
(218)
|
|
|
|
0
|
| Other movements |
(218)
|
|
|
|
0
|
| Net exchange differences |
85
|
|
|
|
(405)
|
| Closing net balance |
3,126
|
|
|
|
3,169
|
| Closing assets |
(38)
|
|
|
|
(35)
|
| Closing balance |
3,087
|
|
|
|
3,134
|
| RA [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Reinsurance contracts held [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Increase Decrease Through Reversals of Loss Recovery Component Insurance Contracts Liability Asset |
0
|
|
|
|
0
|
| Opening assets, Reinsurance |
691
|
|
433
|
|
433
|
| Opening liabilities, Reinsurance |
(30)
|
|
(361)
|
|
(361)
|
| Net opening balance, Reinsurance |
721
|
|
794
|
|
794
|
| Changes in estimates that adjust contractual service margin |
13
|
|
|
|
(20)
|
| Changes in estimates that relate to losses and reversals of losses on underlying onerous contracts |
(13)
|
|
|
|
9
|
| New reinsurance contracts recognized in the year |
3
|
|
|
|
60
|
| Changes that relate to future service |
2
|
|
|
|
50
|
| Earnings released from contractual service margin |
0
|
|
|
|
0
|
| Release of risk adjustment |
(35)
|
|
|
|
(72)
|
| Experience adjustments on current service |
0
|
|
|
|
0
|
| Changes that relate to current service |
(35)
|
|
|
|
(72)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Net income/expenses of reinsurance held |
(32)
|
|
|
|
(22)
|
| Insurance finance income / (expenses) |
18
|
|
|
|
43
|
| Premiums paid, net of received fixed commission |
0
|
|
|
|
0
|
| Amounts received |
0
|
|
|
|
0
|
| Other |
0
|
|
|
|
0
|
| Cash flows |
0
|
|
|
|
0
|
| Transfers to disposal groups |
0
|
|
|
|
0
|
| Net exchange differences |
20
|
|
|
|
(94)
|
| Net closing balance, Reinsurance |
726
|
|
|
|
721
|
| Closing assets, Reinsurance |
685
|
|
|
|
691
|
| Closing liabilities, Reinsurance |
(41)
|
|
|
|
(30)
|
| RA [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Investment contracts with DPF [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets, Investment contracts |
0
|
|
0
|
|
0
|
| Opening liabilities, Investment contracts |
97
|
|
112
|
|
112
|
| Net opening balance, Investment contracts |
97
|
|
112
|
|
112
|
| Changes in estimates that adjust contractual service margin |
(4)
|
|
|
|
5
|
| Changes in estimates that adjust onerous contracts |
0
|
|
|
|
0
|
| New contracts issued – non-onerous |
0
|
|
|
|
0
|
| Changes that relate to future service |
(4)
|
|
|
|
5
|
| Earnings released from contractual service margin |
0
|
|
|
|
0
|
| Release of risk adjustment |
(4)
|
|
|
|
(14)
|
| Experience adjustments on current service |
0
|
|
|
|
0
|
| Changes that relate to current service |
(4)
|
|
|
|
(14)
|
| Insurance service result |
(7)
|
|
|
|
(10)
|
| General Model [Abstract] |
|
|
|
|
|
| Changes in interest rates and other financial assumptions |
0
|
|
|
|
0
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets of products with direct participating features |
0
|
|
|
|
0
|
| Insurance finance income / (expenses) |
0
|
|
|
|
0
|
| Premiums received |
0
|
|
|
|
0
|
| Claims, benefits and expenses paid |
0
|
|
|
|
0
|
| Acquisition costs paid |
0
|
|
|
|
0
|
| Other |
0
|
|
|
|
0
|
| Cash flows |
0
|
|
|
|
0
|
| Transfers to disposal groups |
(90)
|
|
|
|
0
|
| Net exchange differences |
1
|
|
|
|
(6)
|
| Net closing balance, Investment contracts |
0
|
|
|
|
97
|
| Closing assets, Investment contracts |
0
|
|
|
|
0
|
| Closing liabilities, Investment contracts |
0
|
|
|
|
97
|
| CSM [member] | Insurance contracts issued [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening net balance |
8,406
|
|
8,964
|
|
8,964
|
| Changes in estimates that adjust contractual service margin |
96
|
|
|
|
449
|
| Earnings released from contractual service margin |
(431)
|
|
|
|
(930)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Insurance finance income / (expenses) |
130
|
|
|
|
226
|
| Net exchange differences |
210
|
|
|
|
(972)
|
| Closing net balance |
7,556
|
|
|
|
8,406
|
| CSM [member] | Reinsurance contracts held [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening net balance |
585
|
|
237
|
|
237
|
| Changes in estimates that adjust contractual service margin |
41
|
|
|
|
254
|
| Earnings released from contractual service margin |
(18)
|
|
|
|
(11)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Insurance finance income / (expenses) |
0
|
|
|
|
(12)
|
| Net exchange differences |
17
|
|
|
|
(42)
|
| Closing net balance |
619
|
|
|
|
585
|
| CSM [member] | Investment contracts with DPF [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening net balance |
245
|
|
233
|
|
233
|
| Changes in estimates that adjust contractual service margin |
(20)
|
|
|
|
61
|
| Earnings released from contractual service margin |
(9)
|
|
|
|
(37)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Insurance finance income / (expenses) |
0
|
|
|
|
|
| Transfers to disposal groups |
(214)
|
|
|
|
|
| Net exchange differences |
2
|
|
|
|
(13)
|
| Closing net balance |
4
|
|
|
|
245
|
| CSM [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Insurance contracts issued [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets |
(47)
|
|
(5)
|
|
(5)
|
| Beginning balance |
8,359
|
|
8,959
|
|
8,959
|
| Opening net balance |
8,406
|
|
8,964
|
|
8,964
|
| Changes in estimates that adjust contractual service margin |
96
|
|
|
|
449
|
| Changes in estimates that adjust onerous contracts |
0
|
|
|
|
0
|
| New contracts issued – non-onerous |
390
|
|
|
|
669
|
| New contracts issued – onerous |
0
|
|
|
|
0
|
| Changes that relate to future service |
486
|
|
|
|
1,118
|
| Earnings released from contractual service margin |
(431)
|
|
|
|
(930)
|
| Release of risk adjustment |
0
|
|
|
|
0
|
| Experience adjustments on current service |
0
|
|
|
|
0
|
| Revenue recognised for incurred policyholder tax expenses |
0
|
|
|
|
0
|
| Changes that relate to current service |
(431)
|
|
|
|
(930)
|
| Changes that relate to past service |
0
|
|
|
|
0
|
| Experience adjustments on claims incurred |
0
|
|
|
|
0
|
| Insurance service result |
54
|
|
|
|
189
|
| General Model [Abstract] |
|
|
|
|
|
| Interest accreted to insurance contracts |
130
|
|
|
|
226
|
| Changes in interest rates and other financial assumptions |
0
|
|
|
|
0
|
| Revaluation of changes in non-financial assumptions and experience adjustments to current interest rates |
0
|
|
|
|
0
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets |
0
|
|
|
|
0
|
| Change in fulfilment value - risk mitigation option |
0
|
|
|
|
0
|
| Insurance finance income / (expenses) |
130
|
|
|
|
226
|
| Premiums received |
0
|
|
|
|
0
|
| Claims, benefits and expenses paid |
0
|
|
|
|
0
|
| Acquisition costs paid |
0
|
|
|
|
0
|
| Other |
0
|
|
|
|
0
|
| Cash flows |
0
|
|
|
|
0
|
| Disposal of a business |
0
|
|
|
|
0
|
| Transfers to disposal groups |
(1,244)
|
|
|
|
0
|
| Other movements |
(1,244)
|
|
|
|
0
|
| Net exchange differences |
210
|
|
|
|
(972)
|
| Closing net balance |
7,556
|
|
|
|
8,406
|
| Closing assets |
(49)
|
|
|
|
(47)
|
| Closing balance |
7,507
|
|
|
|
8,359
|
| CSM [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Reinsurance contracts held [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Increase Decrease Through Reversals of Loss Recovery Component Insurance Contracts Liability Asset |
1
|
|
|
|
0
|
| Opening assets, Reinsurance |
639
|
|
208
|
|
208
|
| Opening liabilities, Reinsurance |
54
|
|
(29)
|
|
(29)
|
| Net opening balance, Reinsurance |
585
|
|
237
|
|
237
|
| Changes in estimates that adjust contractual service margin |
41
|
|
|
|
254
|
| Changes in estimates that relate to losses and reversals of losses on underlying onerous contracts |
(12)
|
|
|
|
18
|
| New reinsurance contracts recognized in the year |
9
|
|
|
|
141
|
| Changes that relate to future service |
37
|
|
|
|
413
|
| Earnings released from contractual service margin |
(18)
|
|
|
|
(11)
|
| Release of risk adjustment |
0
|
|
|
|
0
|
| Experience adjustments on current service |
0
|
|
|
|
0
|
| Changes that relate to current service |
(18)
|
|
|
|
(11)
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Net income/expenses of reinsurance held |
19
|
|
|
|
402
|
| Insurance finance income / (expenses) |
0
|
|
|
|
(12)
|
| Premiums paid, net of received fixed commission |
0
|
|
|
|
0
|
| Amounts received |
0
|
|
|
|
0
|
| Other |
0
|
|
|
|
0
|
| Cash flows |
0
|
|
|
|
0
|
| Transfers to disposal groups |
(2)
|
|
|
|
0
|
| Net exchange differences |
17
|
|
|
|
(42)
|
| Net closing balance, Reinsurance |
619
|
|
|
|
585
|
| Closing assets, Reinsurance |
682
|
|
|
|
639
|
| Closing liabilities, Reinsurance |
62
|
|
|
|
54
|
| CSM [member] | Insurance contracts other than those to which premium allocation approach has been applied [member] | Investment contracts with DPF [member] |
|
|
|
|
|
| Disclosure of movement by measurement component insurance reinsurance contracts and investment contracts [line items] |
|
|
|
|
|
| Opening assets, Investment contracts |
0
|
|
0
|
|
0
|
| Opening liabilities, Investment contracts |
245
|
|
233
|
|
233
|
| Net opening balance, Investment contracts |
245
|
|
€ 233
|
|
233
|
| Changes in estimates that adjust contractual service margin |
(20)
|
|
|
|
61
|
| Changes in estimates that adjust onerous contracts |
0
|
|
|
|
0
|
| New contracts issued – non-onerous |
1
|
|
|
|
0
|
| Changes that relate to future service |
(19)
|
|
|
|
61
|
| Earnings released from contractual service margin |
(9)
|
|
|
|
(37)
|
| Release of risk adjustment |
0
|
|
|
|
0
|
| Experience adjustments on current service |
0
|
|
|
|
0
|
| Changes that relate to current service |
(9)
|
|
|
|
(37)
|
| Insurance service result |
(28)
|
|
|
|
25
|
| General Model [Abstract] |
|
|
|
|
|
| Changes in interest rates and other financial assumptions |
0
|
|
|
|
0
|
| Variable Fee Approach [Abstract] |
|
|
|
|
|
| Change in fair value of the underlying assets of products with direct participating features |
0
|
|
|
|
0
|
| Insurance finance income / (expenses) |
0
|
|
|
|
0
|
| Premiums received |
0
|
|
|
|
0
|
| Claims, benefits and expenses paid |
0
|
|
|
|
0
|
| Acquisition costs paid |
0
|
|
|
|
0
|
| Other |
0
|
|
|
|
0
|
| Cash flows |
0
|
|
|
|
0
|
| Transfers to disposal groups |
(214)
|
|
|
|
0
|
| Net exchange differences |
2
|
|
|
|
(13)
|
| Net closing balance, Investment contracts |
4
|
|
|
|
245
|
| Closing assets, Investment contracts |
0
|
|
|
|
0
|
| Closing liabilities, Investment contracts |
€ 4
|
|
|
|
€ 245
|
|
|