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Loans and advances to customers - Schedule of the breakdown of loans and advances to customers (Details) - EUR (€) € in Millions | Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | --- | ---
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | € 300,026 | € 283,497 | € 243,203
Gross carrying amount | Customers |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 1,058,446 | 1,076,194 | 1,059,137
Gross carrying amount | Customers | Fixed rate |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 694,332 | 678,994 | 647,349
Gross carrying amount | Customers | Floating rate |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 364,114 | 397,200 | 411,788
Gross carrying amount | Customers | Spain |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 198,894 | 198,164 | 203,680
Gross carrying amount | Customers | Rest of Europe |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 467,697 | 502,664 | 489,706
Gross carrying amount | Customers | United Kingdom |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 258,739 | 266,934 | 263,808
Gross carrying amount | Customers | America |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 374,739 | 359,264 | 350,873
Gross carrying amount | Customers | US |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 135,088 | 136,054 | 126,529
Gross carrying amount | Customers | Brazil |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 90,951 | 91,066 | 100,758
Gross carrying amount | Customers | Rest of the world |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 17,116 | 16,102 | 14,878
Gross carrying amount | Commercial credit |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 51,110 | 53,209 | 55,628
Gross carrying amount | Secured loans |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 530,749 | 557,463 | 554,375
Gross carrying amount | Reverse repurchase agreements |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 73,980 | 59,648 | 44,184
Gross carrying amount | Other term loans |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 295,998 | 296,339 | 295,485
Gross carrying amount | Finance leases |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 38,540 | 40,120 | 38,723
Gross carrying amount | Receivable on demand |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 10,313 | 10,756 | 12,277
Gross carrying amount | Credit cards receivables |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | 26,179 | 24,928 | 24,371
Gross carrying amount | Impaired assets |  |  |
Loans And Advances To Customers [Line Items] |  |  |
Financial assets | € 31,577 | € 33,731 | € 34,094

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- Definition The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity’s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity’s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity’s own equity instruments. For this purpose the entity’s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity’s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 25 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_25&doctype=Standard -URIDate 2025-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35H&doctype=Standard -URIDate 2025-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35M -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35M&doctype=Standard -URIDate 2025-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35N -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35N&doctype=Standard -URIDate 2025-03-27 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_35I&doctype=Standard -URIDate 2025-03-27 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 71 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_71&doctype=Standard -URIDate 2025-03-27 Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70&doctype=Standard -URIDate 2025-03-27 Reference 9: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 70 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_70&doctype=Standard -URIDate 2025-03-27 Reference 10: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 66 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_66&doctype=Standard -URIDate 2025-03-27 Reference 11: http://www.xbrl.org/2003/role/disclosureRef -Note Effective 2027-01-01 -Name IFRS -Number 19 -IssueDate 2025-01-01 -Paragraph 71 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=19&code=ifrs-tx-2025-en-r&anchor=para_71&doctype=Standard -URIDate 2025-03-27 + Details
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