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Loans and advances to customers - Schedule of impairment loss and allowance for loans and advances to customers (Details) - EUR (€) € in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Impairment at beginning of year | € (283,497) | € (243,203) |
Impairment at end of year | (300,026) | (283,497) | € (243,203)
Accumulated impairment |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Impairment at beginning of year | 349 | 286 |
Impairment at end of year | 520 | 349 | 286
Accumulated impairment | Financial assets at amortised cost and financial assets at fair value through other comprehensive income |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Impairment at beginning of year | 22,125 | 22,788 | 22,684
Impairment losses charged to income for the year | 14,144 | 13,428 | 13,805
Impairment losses charged to profit or loss | 24,935 | 22,761 | 20,608
Impairment losses reversed with a credit to profit or loss | (10,791) | (9,333) | (6,803)
Change of perimeter | 0 | 0 | (48)
Write-off of impaired balances against recorded impairment allowance | (13,266) | (13,212) | (13,847)
Exchange differences and other changes | (1,845) | (879) | 194
Impairment at end of year | 21,158 | 22,125 | 22,788
Accumulated impairment | Individually calculated | Financial assets at amortised cost and financial assets at fair value through other comprehensive income |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Impairment at beginning of year | 2,258 | 2,951 |
Impairment at end of year | 2,359 | 2,258 | 2,951
Accumulated impairment | Collective calculated | Financial assets at amortised cost and financial assets at fair value through other comprehensive income |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Impairment at beginning of year | 19,867 | 19,837 |
Impairment at end of year | 18,799 | 19,867 | 19,837
Accumulated impairment | Financial instruments credit-impaired | Financial assets at amortised cost and financial assets at fair value through other comprehensive income |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Impairment at beginning of year | 14,088 | 14,238 |
Impairment at end of year | 13,527 | 14,088 | 14,238
Accumulated impairment | Financial instruments not credit-impaired | Financial assets at amortised cost and financial assets at fair value through other comprehensive income |  |  |
Disclosure of reconciliation of changes in loss allowance and explanation of changes in gross carrying amount for financial instruments [line items] |  |  |
Impairment at beginning of year | 8,037 | 8,550 |
Impairment at end of year | € 7,631 | € 8,037 | € 8,550

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