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Hedging derivatives - Schedule of details of hedging instruments (Details) - EUR (€) € in Millions | 12 Months Ended
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Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | € 505,992 | € 511,727 | € 418,294
Carrying amount - Assets | 4,427 | 5,672 | 5,297
Carrying amount - liabilities | 4,294 | 4,752 | 7,656
Changes in fair value used for calculating hedge ineffectiveness | 749 | 1,461 | (1,929)
Fair value hedges |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 338,057 | 308,897 | 241,792
Carrying amount - Assets | 2,387 | 2,584 | 2,661
Carrying amount - liabilities | 2,588 | 2,964 | 4,231
Changes in fair value used for calculating hedge ineffectiveness | (454) | 483 | (1,869)
Fair value hedges | Interest rate risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 305,348 | 290,152 | 225,377
Carrying amount - Assets | 1,501 | 2,070 | 2,280
Carrying amount - liabilities | 1,532 | 2,319 | 3,644
Changes in fair value used for calculating hedge ineffectiveness | (433) | 373 | (1,684)
Fair value hedges | Interest rate risk | Interest rate swaps |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 285,983 | 276,715 | 215,382
Carrying amount - Assets | 1,326 | 1,578 | 2,015
Carrying amount - liabilities | 1,485 | 2,082 | 3,462
Changes in fair value used for calculating hedge ineffectiveness | (188) | 156 | (1,871)
Fair value hedges | Interest rate risk | Future interest rate |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 19,365 |  |
Carrying amount - Assets | 175 |  |
Carrying amount - liabilities | 47 |  |
Changes in fair value used for calculating hedge ineffectiveness | (247) |  |
Fair value hedges | Interest rate risk | Cap&Floor |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 0 |  |
Carrying amount - Assets | 0 |  |
Carrying amount - liabilities | 0 |  |
Changes in fair value used for calculating hedge ineffectiveness | 2 |  |
Fair value hedges | Currency risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 2,656 | 4,411 | 4,331
Carrying amount - Assets | 6 | 13 | 15
Carrying amount - liabilities | 20 | 59 | 24
Changes in fair value used for calculating hedge ineffectiveness | 46 | 101 | (98)
Fair value hedges | Currency risk | Future interest rate |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 242 | 2,059 | 2,418
Carrying amount - Assets | 0 | 0 | 0
Carrying amount - liabilities | 0 | 0 | 0
Changes in fair value used for calculating hedge ineffectiveness | (5) | 91 | (87)
Fair value hedges | Currency risk | Fx forward |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 2,414 | 2,240 | 1,913
Carrying amount - Assets | 6 | 8 | 15
Carrying amount - liabilities | 20 | 39 | 24
Changes in fair value used for calculating hedge ineffectiveness | 5 | (2) | (11)
Fair value hedges | Currency risk | Fx Swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 0 |  |
Carrying amount - Assets | 0 |  |
Carrying amount - liabilities | 0 |  |
Changes in fair value used for calculating hedge ineffectiveness | 46 |  |
Fair value hedges | Interest rate and exchange rate risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 27,433 | 13,739 | 12,084
Carrying amount - Assets | 735 | 501 | 366
Carrying amount - liabilities | 1,035 | 586 | 563
Changes in fair value used for calculating hedge ineffectiveness | (76) | 8 | (87)
Fair value hedges | Interest rate and exchange rate risk | Interest rate swaps |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 5,452 | 2,720 | 2,311
Carrying amount - Assets | 38 | 15 | 9
Carrying amount - liabilities | 80 | 65 | 179
Changes in fair value used for calculating hedge ineffectiveness | (8) | 46 | 20
Fair value hedges | Interest rate and exchange rate risk | Currency swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 21,981 | 11,019 | 9,773
Carrying amount - Assets | 697 | 486 | 357
Carrying amount - liabilities | 955 | 520 | 384
Changes in fair value used for calculating hedge ineffectiveness | (68) | (38) | (107)
Fair value hedges | Base risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 500 | 500 |
Carrying amount - Assets | 0 | 0 |
Carrying amount - liabilities | 1 | 0 |
Changes in fair value used for calculating hedge ineffectiveness | 0 | 0 |
Fair value hedges | Base risk | Interest rate swaps |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 500 | 500 |
Carrying amount - Assets | 0 | 0 |
Carrying amount - liabilities | 1 | 0 |
Changes in fair value used for calculating hedge ineffectiveness | 0 | 0 |
Fair value hedges | Inflation risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 2,120 |  |
Carrying amount - Assets | 145 |  |
Carrying amount - liabilities | 0 |  |
Changes in fair value used for calculating hedge ineffectiveness | 9 |  |
Fair value hedges | Inflation risk | Inflation swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 2,120 |  |
Carrying amount - Assets | 145 |  |
Carrying amount - liabilities | 0 |  |
Changes in fair value used for calculating hedge ineffectiveness | 9 |  |
Fair value hedges | Equity risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount |  | 95 |
Carrying amount - Assets |  | 0 |
Carrying amount - liabilities |  | 0 |
Changes in fair value used for calculating hedge ineffectiveness |  | 1 |
Fair value hedges | Equity risk | Equity swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount |  | 95 |
Carrying amount - Assets |  | 0 |
Carrying amount - liabilities |  | 0 |
Changes in fair value used for calculating hedge ineffectiveness |  | 1 |
Cash flow hedges |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 148,269 | 179,271 | 157,796
Carrying amount - Assets | 1,954 | 2,415 | 2,575
Carrying amount - liabilities | 1,231 | 1,519 | 2,889
Changes in fair value used for calculating hedge ineffectiveness | 1,067 | 558 | 1,828
Cash flow hedges | Interest rate risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 99,969 | 134,503 | 97,780
Carrying amount - Assets | 960 | 1,060 | 913
Carrying amount - liabilities | 41 | 1,089 | 1,246
Changes in fair value used for calculating hedge ineffectiveness | 1,171 | 144 | 2,181
Cash flow hedges | Interest rate risk | Interest rate swaps |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 87,412 | 106,663 | 91,569
Carrying amount - Assets | 937 | 788 | 872
Carrying amount - liabilities | 34 | 478 | 1,214
Changes in fair value used for calculating hedge ineffectiveness | 1,464 | (130) | 2,188
Cash flow hedges | Interest rate risk | Future interest rate |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 12,357 | 6,621 | 3,020
Carrying amount - Assets | 22 | 0 | 0
Carrying amount - liabilities | 7 | 0 | 0
Changes in fair value used for calculating hedge ineffectiveness | (293) | 225 | 6
Cash flow hedges | Interest rate risk | Cap&Floor |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 200 |  |
Carrying amount - Assets | 1 |  |
Carrying amount - liabilities | 0 |  |
Changes in fair value used for calculating hedge ineffectiveness | 0 |  |
Cash flow hedges | Currency risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 24,791 | 30,653 | 34,823
Carrying amount - Assets | 605 | 738 | 1,001
Carrying amount - liabilities | 473 | 258 | 663
Changes in fair value used for calculating hedge ineffectiveness | (233) | 459 | (498)
Cash flow hedges | Currency risk | Fx forward |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 3,445 | 9,286 | 11,160
Carrying amount - Assets | 62 | 362 | 502
Carrying amount - liabilities | 20 | 51 | 241
Changes in fair value used for calculating hedge ineffectiveness | (18) | 408 | 43
Cash flow hedges | Currency risk | Fx Swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 1,606 |  |
Carrying amount - Assets | 38 |  |
Carrying amount - liabilities | 43 |  |
Changes in fair value used for calculating hedge ineffectiveness | (3) |  |
Cash flow hedges | Currency risk | Currency swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 19,740 | 19,957 | 20,043
Carrying amount - Assets | 505 | 323 | 446
Carrying amount - liabilities | 410 | 189 | 397
Changes in fair value used for calculating hedge ineffectiveness | (212) | 114 | (537)
Cash flow hedges | Interest rate and exchange rate risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 23,445 | 11,724 | 12,217
Carrying amount - Assets | 298 | 539 | 484
Carrying amount - liabilities | 718 | 172 | 74
Changes in fair value used for calculating hedge ineffectiveness | (3) | 26 | (98)
Cash flow hedges | Interest rate and exchange rate risk | Interest rate swaps |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 3,253 | 3,092 | 2,847
Carrying amount - Assets | 17 | (6) | 0
Carrying amount - liabilities | 85 | 46 | (45)
Changes in fair value used for calculating hedge ineffectiveness | 51 | 75 | 227
Cash flow hedges | Interest rate and exchange rate risk | Currency swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 20,192 | 8,632 | 9,370
Carrying amount - Assets | 281 | 545 | 484
Carrying amount - liabilities | 633 | 126 | 119
Changes in fair value used for calculating hedge ineffectiveness | (54) | (49) | (325)
Cash flow hedges | Inflation risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 0 | 2,316 | 12,908
Carrying amount - Assets | 0 | 58 | 155
Carrying amount - liabilities | 0 | 0 | 906
Changes in fair value used for calculating hedge ineffectiveness | 131 | (69) | 234
Cash flow hedges | Inflation risk | Currency swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount |  |  | 12,495
Carrying amount - Assets |  |  | 153
Carrying amount - liabilities |  |  | 906
Changes in fair value used for calculating hedge ineffectiveness |  |  | 240
Cash flow hedges | Inflation risk | Inflation swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 0 | 2,163 |
Carrying amount - Assets | 0 | 57 |
Carrying amount - liabilities | 0 | 0 |
Changes in fair value used for calculating hedge ineffectiveness | 131 | 82 |
Cash flow hedges | Equity risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 64 | 75 | 68
Carrying amount - Assets | 91 | 20 | 22
Carrying amount - liabilities |  | 0 | 0
Changes in fair value used for calculating hedge ineffectiveness | 1 | (2) | 9
Cash flow hedges | Equity risk | Option |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 64 | 75 | 68
Carrying amount - Assets | 91 |  | 22
Carrying amount - liabilities |  |  | 0
Changes in fair value used for calculating hedge ineffectiveness | 1 |  | 9
Cash flow hedges | Equity risk | Equity swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount |  | 75 |
Carrying amount - Assets |  | 20 |
Carrying amount - liabilities |  | 0 |
Changes in fair value used for calculating hedge ineffectiveness |  | (2) |
Hedges of net investments in foreign operations |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 19,666 | 23,559 | 18,706
Carrying amount - Assets | 86 | 673 | 61
Carrying amount - liabilities | 475 | 269 | 536
Changes in fair value used for calculating hedge ineffectiveness | 136 | 420 | (1,888)
Hedges of net investments in foreign operations | Currency risk |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 19,666 | 23,559 | 18,706
Carrying amount - Assets | 86 | 673 | 61
Carrying amount - liabilities | 475 | 269 | 536
Changes in fair value used for calculating hedge ineffectiveness | 136 | 420 | (1,888)
Hedges of net investments in foreign operations | Currency risk | Fx forward |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 19,614 | 23,559 | 18,706
Carrying amount - Assets | 86 | 673 | 61
Carrying amount - liabilities | 474 | 269 | 536
Changes in fair value used for calculating hedge ineffectiveness | 134 | € 420 | € (1,888)
Hedges of net investments in foreign operations | Currency risk | Fx Swap |  |  |
Disclosure of detailed information about hedged items [line items] |  |  |
Notional amount | 52 |  |
Carrying amount - Assets |  |  |
Carrying amount - liabilities | 1 |  |
Changes in fair value used for calculating hedge ineffectiveness | € 2 |  |

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- Definition The gain (loss) on the change in fair value of the hedging instrument used as a basis for recognising hedge ineffectiveness. Hedge ineffectiveness is the extent to which the changes in the fair value or the cash flows of the hedging instrument are greater or less than those on the hedged item. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 24A -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_24A_c&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 60 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_60_c&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 60 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_60_c&doctype=Standard -URIDate 2025-03-27 + Details
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