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v3.26.1

Commission expense | 12 Months Ended
--- | ---
Dec. 31, 2025
Fee and commission expense [abstract] |
Commission expense | Commission expense Commission expense shows the amount of all fees and commissions paid or payable by the Group in the year, except those that form an integral part of the effective interest rate on financial instruments. The detail of commission expense is as follows:
EUR million
| 2025 | 2024 | 2023
Cards | 1,744 |  | 1,816 |  | 1,858 |
By collection and return of effects | 30 |  | 30 |  | 24 |
Financial guarantees and other commitments | 359 |  | 323 |  | 282 |
Brokerages and intermediaries | 130 |  | 181 |  | 204 |
Sales of insurance and funds | 456 |  | 453 |  | 352 |
Other fees and commissions | 1,692 |  | 1,655 |  | 1,429 |
| 4,411 |  | 4,458 |  | 4,149 |

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- Definition The disclosure of fee and commission expenses. + References No definition available. + Details
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