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v3.26.1

Customer deposits (Tables) | 12 Months Ended
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Dec. 31, 2025
Deposits from customers [abstract] |
Schedule of customer deposits | The detail, by classification, geographical area and type, of Customer deposits is as follows:
EUR million
| 2025 | 2024 | 2023
Classification |  |  |
Financial liabilities held for trading | 36,120 |  | 18,984 |  | 19,837 |
Financial liabilities designated at fair value through profit or loss | 25,930 |  | 25,407 |  | 32,052 |
Financial liabilities at amortized cost | 979,150 |  | 1,011,545 |  | 995,280 |
| 1,041,200 |  | 1,055,936 |  | 1,047,169 |
Geographical area A |  |  |
Spain | 437,855 |  | 395,479 |  | 388,736 |
Rest of Europe | 323,854 |  | 377,057 |  | 366,165 |
of which: United Kingdom | 228,810 |  | 233,192 |  | 235,698 |
Rest of America | 279,491 |  | 283,400 |  | 292,268 |
of which: United States | 82,321 |  | 88,712 |  | 83,555 |
Rest of the world | — |  | — |  | — |
| 1,041,200 |  | 1,055,936 |  | 1,047,169 |
Type |  |  |
Demand deposits- | 646,125 |  | 677,818 |  | 661,262 |
Time deposits- | 296,797 |  | 298,276 |  | 305,296 |
Deposits redeemable at notice | 1,487 |  | 1,525 |  | 1,789 |
Repurchase agreements | 96,791 |  | 78,317 |  | 78,822 |
| 1,041,200 |  | 1,055,936 |  | 1,047,169 |
A. According to the geography of the legal entity.

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