XML 275 R193.htm IDEA: XBRL DOCUMENT
v3.26.1

Liabilities under insurance contracts - Schedule of liabilities under insurance contracts and reinsurance assets in the consolidated balance sheets (Details) - EUR (€) € in Millions | Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | --- | ---
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | € 18,737 | € 17,829 | € 17,799
Liability for Remaining Coverage (LRC) |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | 18,291 | 17,377 | 17,333
Loss component |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | 18,194 | 17,292 | 17,262
Liabilities relating to insurance contracts measured under PAA |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | 97 | 85 | 71
Liability for incurred claims (LIC) |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | 446 | 452 | 466
Estimates of present value of future cash flows | Loss component |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | 17,461 | 16,614 | 16,627
Risk adjustment for non-financial risk | Loss component |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | 186 | 199 | 211
Contractual service margin | Loss component |  |  |
Disclosure of reconciliation of changes in insurance contracts by remaining coverage and incurred claims [line items] |  |  |
Liabilities under insurance contracts | € 547 | € 479 | € 424

X
- Definition Line items represent concepts included in a table. These concepts are used to disclose reportable information associated with members defined in one or many axes of the table. + References No definition available. + Details
Name: | ifrs-full_DisclosureOfReconciliationOfChangesInInsuranceContractsByRemainingCoverageAndIncurredClaimsLineItems
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The amount of insurance contracts issued that are liabilities. [Refer: Liabilities; Insurance contracts issued [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2025-01-01 -Paragraph 78 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2025-en-r&anchor=para_78_b&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Note Expiry date 2027-01-01 -Name IAS -Number 1 -IssueDate 2025-01-01 -Paragraph 54 -Subparagraph ma -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2025-en-b&anchor=para_54_ma&doctype=Standard -URIDate 2025-03-27 + Details
Name: | ifrs-full_InsuranceContractsIssuedThatAreLiabilities
Namespace Prefix: | ifrs-full_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Details
Name: | ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=san_NetLiabilitiesOrAssetsForRemainingCoverageMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_LossComponentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_NetLiabilitiesOrAssetsForRemainingCoverageExcludingLossComponentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_InsuranceContractsByRemainingCoverageAndIncurredClaimsAxis=ifrs-full_LiabilitiesForIncurredClaimsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_EstimatesOfPresentValueOfFutureCashFlowsMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_RiskAdjustmentForNonfinancialRiskMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | ifrs-full_InsuranceContractsByComponentsAxis=ifrs-full_ContractualServiceMarginMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |