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Risk management - Market, structural and liquidity risk (Details) € in Thousands | 12 Months Ended |  |
--- | --- | --- | ---
Dec. 31, 2025 EUR (€) remuneration_component scenario | Dec. 31, 2024 EUR (€) | Dec. 31, 2023 EUR (€)
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Transactional deposits (in percentage) | 75.00% |  |
Deposit insured with deposit guarantee systems, retail deposits (in percentage) | 80.00% |  |
Loans and advances to customers | € 1,867,515,000 | € 1,837,081,000 | € 1,797,062,000
Market risk |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Risk management, VaR calculation, time frame | 2 years |  |
VaR | € 18,700 | 18,700 | 13,500
Increase (decrease) compared to last year increase in fair value of financial liability | € (30) |  |
VaR confidence level, percent | 99.00% |  |
VaE confidence level, percent | 99.00% |  |
Loans and advances to customers | € 1,867,515,000 |  |
Market risk | Weighted average |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | € 17,600 | 17,100 | 11,700
Market risk | Minimum |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Risk management, VaR calculation, time frame | 520 days |  |
Interest rate risk |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | € 15,300 | 20,200 | 11,100
Interest rate risk | NII risk concentration | US |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 49,000 |  |
Interest rate risk | NII risk concentration | Brazil |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 57,000 |  |
Interest rate risk | NII risk concentration | Euro | Total Europe |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 561,000 |  |
Interest rate risk | NII risk concentration | Pound sterling | Total Europe |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 169,000 |  |
Interest rate risk | NII risk concentration | US dollar | Total Europe |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 50,000 |  |
Interest rate risk | EVE risk concentration | US |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 570,000 |  |
Interest rate risk | EVE risk concentration | Brazil |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 257,000 |  |
Interest rate risk | EVE risk concentration | Chile |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 225,000 |  |
Interest rate risk | EVE risk concentration | Pound sterling | Total Europe |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 1,087,000 |  |
Interest rate risk | EVE risk concentration | US dollar | Total Europe |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 104,000 |  |
Interest rate risk | EVE risk concentration | Polish zloty | Total Europe |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Increase in profit due to reasonably possible increase in designated risk component | 614,000 |  |
Interest rate risk | Weighted average |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | 16,500 | 17,000 | 12,200
Currency risk |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | € 6,300 | 5,900 | 4,800
Core capital ratio for foreign exchange rate risk | 100.00% |  |
Currency risk | Weighted average |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | € 7,400 | 5,800 | 5,300
Equities |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | 8,100 | 9,500 | 6,000
Equities | Equity instruments |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | € 147,000 | 127,000 | 171,000
VaR confidence level, percent | 99.00% |  |
Time frame, historical simulation | 1 day |  |
Equities | Weighted average |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
VaR | € 6,500 | € 6,000 | € 3,200
Liquidity risk |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Number of standard scenarios defined | scenario | 5 |  |
Percent of total assets encumbered | 23.10% |  |
Total assets encumbered | € 2,122,932,000 |  |
Liquidity risk | Of which property collateral |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Number of categories of encumbered assets | remuneration_component | 2 |  |
Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered | € 491,519,000 |  |
Matching liabilities, contingent liabilities or securities lent | 472,045,000 |  |
Liquidity risk | Of which property collateral | On-balance-sheet assets |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Loans and advances to customers | € 304,923,000 |  |
Percent of total assets encumbered | 50.00% |  |
Liquidity risk | Of which property collateral | Off-balance-sheet assets |  |  |
Disclosure of nature and extent of risks arising from financial instruments [line items] |  |  |
Guarantees received committed | € 185,160,000 |  |

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