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v3.26.1

Liabilities under insurance contracts (Tables) | 12 Months Ended
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Dec. 31, 2025
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [abstract] |
Schedule of liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets | The detail of Liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (see note 2.i) is as follows:
EUR million
| 2025 | 2024 | 2023
Liabilities under insurance contracts | 18,737 |  | 17,829 |  | 17,799 |
Liability for Remaining Coverage (LRC) | 18,291 |  | 17,377 |  | 17,333 |
Liabilities relating to insurance contracts measured under BBA/VFA | 18,194 |  | 17,292 |  | 17,262 |
Current value of future cashflows (PVFCF) | 17,461 |  | 16,614 |  | 16,627 |
Risk adjustment for non-financial risk (RA) | 186 |  | 199 |  | 211 |
Contractual service margin (CSM) | 547 |  | 479 |  | 424 |
Liabilities relating to insurance contracts measured under PAA | 97 |  | 85 |  | 71 |
Liability for incurred claims (LIC) | 446 |  | 452 |  | 466 |

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- References No definition available. + Details
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- Definition The disclosure of the net and gross amounts and the reinsurer's share for amounts arising from insurance contracts. [Refer: Types of insurance contracts [member]] + References No definition available. + Details
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