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v3.26.1

Primary and secondary segments reporting - Schedule of condensed balance sheets and condensed income statements by secondary segments (Details) - EUR (€) € in Millions | 8 Months Ended | 12 Months Ended
--- | --- | ---
Aug. 31, 2025 | Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Balance sheet (condensed) |  |  |  |
Financial assets |  | € 300,026.0 | € 283,497.0 | € 243,203.0
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 42,348.0 | 43,787.0 | 40,650.0
Net fee income |  | 12,976.0 | 12,376.0 | 11,495.0
Gains (losses) on financial transactions |  | 2,362.0 | 2,211.0 | 2,565.0
Other operating income |  | 625.0 | (331.0) | (759.0)
Total income |  | 58,311.0 | 58,043.0 | 53,951.0
Net operating income |  | 33,532.0 | 32,828.0 | 29,267.0
Net loan-loss provisions |  | (12,596.0) | (12,183.0) | (12,260.0)
Other gains (losses) and provisions |  | (2,255.0) | (3,298.0) | (2,002.0)
Operating profit/(loss) before tax | € 6,193.0 | 18,681.0 | 17,347.0 | 15,005.0
Tax on profit | € (635.0) | (4,723.0) | (4,844.0) | (3,880.0)
Profit/(loss) from continuing operations |  | 13,958.0 | 12,503.0 | 11,125.0
Net profit from discontinued operations |  | 1,542.0 | 1,241.0 | 1,058.0
Profit/(loss) for the year |  | 15,500.0 | 13,744.0 | 12,183.0
Non-controlling interests |  | (1,399.0) | (1,170.0) | (1,107.0)
Underlying profit attributable to the parent |  | 14,101.0 | 12,574.0 | 11,076.0
Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 1,005,605.0 | 1,002,669.0
Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 1,041,200.0 | 1,055,936.0 | 1,047,169.0
Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 1,017,160.0 | 1,003,465.0
Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 1,037,288.0 | 1,054,069.0 | 1,036,349.0
Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 984,466.0 | 978,961.0 | 981,192.0
Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 1,199,798.0 | 1,154,759.0 | 1,127,503.0
Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 944,409.0 | 927,533.0 | 923,884.0
Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 255,389.0 | 227,226.0 | 203,618.0
Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 42,401.0 | 43,824.0 | 40,718.0
Net fee income |  | 12,928.0 | 12,335.0 | 11,468.0
Gains (losses) on financial transactions |  | 2,354.0 | 2,216.0 | 2,566.0
Other operating income |  | 625.0 | (391.0) | (812.0)
Total income |  | 58,308.0 | 57,984.0 | 53,940.0
Total Costs |  | (26,410.0) | (27,354.0) | (26,501.0)
Net operating income |  | 31,898.0 | 30,630.0 | 27,439.0
Net loan-loss provisions |  | (12,128.0) | (11,822.0) | (11,784.0)
Other gains (losses) and provisions |  | (834.0) | (1,431.0) | (350.0)
Operating profit/(loss) before tax |  | 18,936.0 | 17,377.0 | 15,305.0
Tax on profit |  | (4,939.0) | (4,853.0) | (4,112.0)
Profit/(loss) from continuing operations |  | 13,997.0 | 12,524.0 | 11,193.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 13,997.0 | 12,524.0 | 11,193.0
Non-controlling interests |  | (845.0) | (750.0) | (791.0)
Underlying profit attributable to the parent |  | 13,152.0 | 11,774.0 | 10,402.0
Provision (release) of provision corresponding to results from commitments and contingent risks |  | 50.0 | 47.0 | (38.0)
Spain | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 323,425.0 | 324,099.0
Spain | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 354,943.0 |  |
Spain | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 246,897.0 | 239,214.0
Spain | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 264,950.0 |  |
Spain | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 237,385.0 | 225,759.0 | 229,803.0
Spain | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 429,464.0 | 399,999.0 | 386,810.0
Spain | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 322,070.0 | 306,389.0 | 308,745.0
Spain | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 107,394.0 | 93,609.0 | 78,065.0
Spain | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 7,305.0 | 7,256.0 | 6,641.0
Net fee income |  | 3,022.0 | 2,867.0 | 2,699.0
Gains (losses) on financial transactions |  | 841.0 | 1,100.0 | 688.0
Other operating income |  | 720.0 | 358.0 | (190.0)
Total income |  | 11,887.0 | 11,580.0 | 9,837.0
Total Costs |  | (4,465.0) | (4,509.0) | (4,815.0)
Net operating income |  | 7,423.0 | 7,071.0 | 5,022.0
Net loan-loss provisions |  | (1,142.0) | (1,259.0) | (1,522.0)
Other gains (losses) and provisions |  | (198.0) | (372.0) | (100.0)
Operating profit/(loss) before tax |  | 6,083.0 | 5,440.0 | 3,399.0
Tax on profit |  | (1,811.0) | (1,678.0) | (1,029.0)
Profit/(loss) from continuing operations |  | 4,272.0 | 3,763.0 | 2,371.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 4,272.0 | 3,763.0 | 2,371.0
Non-controlling interests |  | 0.0 | 0.0 | 0.0
Underlying profit attributable to the parent |  | 4,272.0 | 3,762.0 | 2,371.0
United Kingdom | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 230,408.0 | 233,453.0
United Kingdom | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 225,708.0 |  |
United Kingdom | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 246,453.0 | 245,743.0
United Kingdom | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 242,624.0 |  |
United Kingdom | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 228,273.0 | 236,496.0 | 235,111.0
United Kingdom | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 227,160.0 | 230,479.0 | 231,667.0
United Kingdom | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 219,440.0 | 222,835.0 | 224,396.0
United Kingdom | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 7,719.0 | 7,643.0 | 7,272.0
United Kingdom | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 5,008.0 | 4,950.0 | 5,152.0
Net fee income |  | 369.0 | 283.0 | 338.0
Gains (losses) on financial transactions |  | (100.0) | (18.0) | 29.0
Other operating income |  | (245.0) | (203.0) | (162.0)
Total income |  | 5,032.0 | 5,011.0 | 5,358.0
Total Costs |  | (2,937.0) | (3,050.0) | (2,928.0)
Net operating income |  | 2,095.0 | 1,962.0 | 2,430.0
Net loan-loss provisions |  | (177.0) | (64.0) | (247.0)
Other gains (losses) and provisions |  | (124.0) | (104.0) | (75.0)
Operating profit/(loss) before tax |  | 1,794.0 | 1,794.0 | 2,107.0
Tax on profit |  | (486.0) | (488.0) | (563.0)
Profit/(loss) from continuing operations |  | 1,307.0 | 1,306.0 | 1,545.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 1,307.0 | 1,306.0 | 1,545.0
Non-controlling interests |  | 0.0 | 0.0 | 0.0
Underlying profit attributable to the parent |  | 1,307.0 | 1,306.0 | 1,545.0
Portugal | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 38,304.0 | 36,366.0
Portugal | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 40,576.0 |  |
Portugal | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 38,410.0 | 36,864.0
Portugal | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 41,260.0 |  |
Portugal | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 41,980.0 | 39,143.0 | 37,658.0
Portugal | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 46,201.0 | 43,186.0 | 40,618.0
Portugal | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 40,576.0 | 38,304.0 | 36,366.0
Portugal | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 5,625.0 | 4,882.0 | 4,252.0
Portugal | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 1,346.0 | 1,548.0 | 1,465.0
Net fee income |  | 506.0 | 467.0 | 464.0
Gains (losses) on financial transactions |  | 70.0 | 45.0 | 33.0
Other operating income |  | 33.0 | 5.0 | (17.0)
Total income |  | 1,956.0 | 2,065.0 | 1,944.0
Total Costs |  | (544.0) | (574.0) | (567.0)
Net operating income |  | 1,412.0 | 1,492.0 | 1,378.0
Net loan-loss provisions |  | 8.0 | (11.0) | (77.0)
Other gains (losses) and provisions |  | (3.0) | 0.0 | 14.0
Operating profit/(loss) before tax |  | 1,417.0 | 1,481.0 | 1,314.0
Tax on profit |  | (405.0) | (478.0) | (416.0)
Profit/(loss) from continuing operations |  | 1,011.0 | 1,003.0 | 898.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 1,011.0 | 1,003.0 | 898.0
Non-controlling interests |  | (2.0) | (2.0) | (2.0)
Underlying profit attributable to the parent |  | 1,010.0 | 1,001.0 | 896.0
Openbank Europe | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 81,376.0 | 69,334.0
Openbank Europe | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 82,359.0 |  |
Openbank Europe | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 137,038.0 | 132,692.0
Openbank Europe | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 139,322.0 |  |
Openbank Europe | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 142,477.0 | 139,927.0 | 135,202.0
Openbank Europe | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 87,559.0 | 85,876.0 | 72,963.0
Openbank Europe | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 82,359.0 | 81,376.0 | 69,334.0
Openbank Europe | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 5,200.0 | 4,500.0 | 3,629.0
Openbank Europe | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 4,685.0 | 4,361.0 | 4,193.0
Net fee income |  | 804.0 | 902.0 | 796.0
Gains (losses) on financial transactions |  | (39.0) | (24.0) | 117.0
Other operating income |  | 474.0 | 405.0 | 375.0
Total income |  | 5,925.0 | 5,644.0 | 5,481.0
Total Costs |  | (2,899.0) | (2,848.0) | (2,751.0)
Net operating income |  | 3,026.0 | 2,796.0 | 2,730.0
Net loan-loss provisions |  | (1,363.0) | (1,209.0) | (792.0)
Other gains (losses) and provisions |  | (266.0) | (456.0) | 82.0
Operating profit/(loss) before tax |  | 1,398.0 | 1,131.0 | 2,019.0
Tax on profit |  | (322.0) | (255.0) | (493.0)
Profit/(loss) from continuing operations |  | 1,076.0 | 876.0 | 1,526.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 1,076.0 | 876.0 | 1,526.0
Non-controlling interests |  | (304.0) | (234.0) | (327.0)
Underlying profit attributable to the parent |  | 772.0 | 642.0 | 1,199.0
United States | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 125,403.0 | 121,782.0
United States | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 122,000.0 |  |
United States | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 134,856.0 | 126,843.0
United States | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 132,659.0 |  |
United States | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 108,950.0 | 117,511.0 | 112,671.0
United States | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 103,178.0 | 108,246.0 | 108,062.0
United States | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 87,686.0 | 93,545.0 | 95,697.0
United States | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 15,492.0 | 14,702.0 | 12,364.0
United States | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 5,888.0 | 5,693.0 | 5,742.0
Net fee income |  | 1,328.0 | 1,152.0 | 766.0
Gains (losses) on financial transactions |  | 547.0 | 371.0 | 294.0
Other operating income |  | 165.0 | 365.0 | 406.0
Total income |  | 7,929.0 | 7,580.0 | 7,209.0
Total Costs |  | (3,890.0) | (3,965.0) | (3,707.0)
Net operating income |  | 4,039.0 | 3,615.0 | 3,502.0
Net loan-loss provisions |  | (2,244.0) | (2,507.0) | (2,593.0)
Other gains (losses) and provisions |  | (47.0) | (55.0) | (46.0)
Operating profit/(loss) before tax |  | 1,748.0 | 1,053.0 | 863.0
Tax on profit |  | (207.0) | 56.0 | 69.0
Profit/(loss) from continuing operations |  | 1,541.0 | 1,109.0 | 932.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 1,541.0 | 1,109.0 | 932.0
Non-controlling interests |  | 0.0 | 0.0 | 0.0
Underlying profit attributable to the parent |  | 1,541.0 | 1,109.0 | 932.0
Mexico | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 49,836.0 | 53,703.0
Mexico | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 55,595.0 |  |
Mexico | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 45,054.0 | 47,905.0
Mexico | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 48,083.0 |  |
Mexico | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 49,442.0 | 44,715.0 | 48,688.0
Mexico | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 68,201.0 | 61,160.0 | 62,775.0
Mexico | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 45,498.0 | 41,528.0 | 45,693.0
Mexico | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 22,703.0 | 19,632.0 | 17,082.0
Mexico | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 4,554.0 | 4,631.0 | 4,408.0
Net fee income |  | 1,454.0 | 1,385.0 | 1,374.0
Gains (losses) on financial transactions |  | 427.0 | 396.0 | 211.0
Other operating income |  | (130.0) | (133.0) | (94.0)
Total income |  | 6,305.0 | 6,278.0 | 5,899.0
Total Costs |  | (2,730.0) | (2,727.0) | (2,645.0)
Net operating income |  | 3,575.0 | 3,551.0 | 3,254.0
Net loan-loss provisions |  | (1,239.0) | (1,277.0) | (1,135.0)
Other gains (losses) and provisions |  | 0.0 | 0.0 | 0.0
Operating profit/(loss) before tax |  | 2,336.0 | 2,274.0 | 2,119.0
Tax on profit |  | (627.0) | (598.0) | (541.0)
Profit/(loss) from continuing operations |  | 1,709.0 | 1,676.0 | 1,577.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 1,709.0 | 1,676.0 | 1,577.0
Non-controlling interests |  | (4.0) | (5.0) | (17.0)
Underlying profit attributable to the parent |  | 1,705.0 | 1,671.0 | 1,560.0
Brazil | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 93,994.0 | 110,162.0
Brazil | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 92,256.0 |  |
Brazil | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 88,620.0 | 96,399.0
Brazil | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 87,653.0 |  |
Brazil | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 93,030.0 | 93,785.0 | 102,583.0
Brazil | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 132,580.0 | 129,881.0 | 145,044.0
Brazil | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 80,449.0 | 81,378.0 | 90,297.0
Brazil | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 52,132.0 | 48,503.0 | 54,747.0
Brazil | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 9,380.0 | 10,121.0 | 9,116.0
Net fee income |  | 3,193.0 | 3,414.0 | 3,462.0
Gains (losses) on financial transactions |  | (64.0) | (37.0) | 483.0
Other operating income |  | 93.0 | 39.0 | 43.0
Total income |  | 12,602.0 | 13,536.0 | 13,104.0
Total Costs |  | (4,957.0) | (5,219.0) | (5,430.0)
Net operating income |  | 7,645.0 | 8,318.0 | 7,674.0
Net loan-loss provisions |  | (4,409.0) | (4,487.0) | (4,701.0)
Other gains (losses) and provisions |  | (11.0) | 0.0 | (62.0)
Operating profit/(loss) before tax |  | 3,224.0 | 3,830.0 | 2,911.0
Tax on profit |  | (836.0) | (1,165.0) | (776.0)
Profit/(loss) from continuing operations |  | 2,388.0 | 2,665.0 | 2,135.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 2,388.0 | 2,665.0 | 2,135.0
Non-controlling interests |  | (220.0) | (243.0) | (215.0)
Underlying profit attributable to the parent |  | 2,168.0 | 2,422.0 | 1,921.0
Chile | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 30,181.0 | 29,578.0
Chile | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 29,503.0 |  |
Chile | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 40,332.0 | 42,616.0
Chile | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 39,924.0 |  |
Chile | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 40,986.0 | 41,405.0 | 43,823.0
Chile | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 42,256.0 | 43,383.0 | 40,098.0
Chile | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 28,293.0 | 30,060.0 | 29,337.0
Chile | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 13,963.0 | 13,324.0 | 10,761.0
Chile | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 1,917.0 | 1,822.0 | 1,383.0
Net fee income |  | 582.0 | 551.0 | 572.0
Gains (losses) on financial transactions |  | 230.0 | 238.0 | 320.0
Other operating income |  | (15.0) | (18.0) | 11.0
Total income |  | 2,714.0 | 2,592.0 | 2,285.0
Total Costs |  | (919.0) | (942.0) | (953.0)
Net operating income |  | 1,795.0 | 1,650.0 | 1,332.0
Net loan-loss provisions |  | (531.0) | (497.0) | (365.0)
Other gains (losses) and provisions |  | (32.0) | (42.0) | (16.0)
Operating profit/(loss) before tax |  | 1,232.0 | 1,111.0 | 951.0
Tax on profit |  | (189.0) | (211.0) | (135.0)
Profit/(loss) from continuing operations |  | 1,043.0 | 899.0 | 816.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 1,043.0 | 899.0 | 816.0
Non-controlling interests |  | (314.0) | (271.0) | (234.0)
Underlying profit attributable to the parent |  | 729.0 | 629.0 | 582.0
Argentina | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 11,293.0 | 6,478.0
Argentina | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 9,959.0 |  |
Argentina | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 7,684.0 | 3,767.0
Argentina | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 8,032.0 |  |
Argentina | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 8,611.0 | 7,938.0 | 3,878.0
Argentina | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 15,894.0 | 17,047.0 | 10,288.0
Argentina | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 9,959.0 | 11,293.0 | 6,478.0
Argentina | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 5,934.0 | 5,754.0 | 3,810.0
Argentina | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 1,727.0 | 2,919.0 | 1,879.0
Net fee income |  | 788.0 | 602.0 | 396.0
Gains (losses) on financial transactions |  | 229.0 | 229.0 | 341.0
Other operating income |  | (510.0) | (1,263.0) | (1,071.0)
Total income |  | 2,235.0 | 2,487.0 | 1,544.0
Total Costs |  | (978.0) | (1,337.0) | (831.0)
Net operating income |  | 1,257.0 | 1,150.0 | 713.0
Net loan-loss provisions |  | (574.0) | (284.0) | (150.0)
Other gains (losses) and provisions |  | (33.0) | (39.0) | (58.0)
Operating profit/(loss) before tax |  | 650.0 | 827.0 | 505.0
Tax on profit |  | (216.0) | (161.0) | (117.0)
Profit/(loss) from continuing operations |  | 434.0 | 666.0 | 388.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 434.0 | 666.0 | 388.0
Non-controlling interests |  | (1.0) | (1.0) | (2.0)
Underlying profit attributable to the parent |  | 433.0 | 665.0 | 386.0
Corporate Centre | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 1,430.0 | 1,508.0
Corporate Centre | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 1,387.0 |  |
Corporate Centre | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 6,911.0 | 6,531.0
Corporate Centre | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 7,465.0 |  |
Corporate Centre | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 7,537.0 | 6,997.0 | 6,608.0
Corporate Centre | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 1,387.0 | 1,299.0 | 1,508.0
Corporate Centre | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 1,387.0 | 1,299.0 | 1,508.0
Corporate Centre | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 0.0 | 0.0 | 0.0
Corporate Centre | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | (490.0) | (308.0) | (41.0)
Net fee income |  | (27.0) | (11.0) | (13.0)
Gains (losses) on financial transactions |  | (82.0) | (408.0) | (302.0)
Other operating income |  | 14.0 | 47.0 | (86.0)
Total income |  | (585.0) | (680.0) | (442.0)
Total Costs |  | (417.0) | (540.0) | (460.0)
Net operating income |  | (1,003.0) | (1,220.0) | (901.0)
Net loan-loss provisions |  | (198.0) | 3.0 | 2.0
Other gains (losses) and provisions |  | (75.0) | (99.0) | (62.0)
Operating profit/(loss) before tax |  | (1,275.0) | (1,317.0) | (961.0)
Tax on profit |  | 190.0 | 162.0 | (36.0)
Profit/(loss) from continuing operations |  | (1,085.0) | (1,155.0) | (998.0)
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | (1,085.0) | (1,155.0) | (998.0)
Non-controlling interests |  | 0.0 | 1.0 | 0.0
Underlying profit attributable to the parent |  | (1,085.0) | (1,154.0) | (998.0)
Rest of the Group | Customer deposits |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  |  | 19,955.0 | 16,207.0
Rest of the Group | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 26,913.0 |  |
Rest of the Group | Loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  |  | 24,905.0 | 24,892.0
Rest of the Group | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 25,315.0 |  |
Rest of the Group | Gross loans and advances to customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial assets |  | 25,796.0 | 25,285.0 | 25,164.0
Rest of the Group | Customers funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 45,916.0 | 34,204.0 | 27,670.0
Rest of the Group | Customers |  |  |  |
Balance sheet (condensed) |  |  |  |
Financial liabilities |  | 26,691.0 | 19,527.0 | 16,034.0
Rest of the Group | Investment funds |  |  |  |
Balance sheet (condensed) |  |  |  |
Memorandum items |  | 19,225.0 | 14,677.0 | 11,636.0
Rest of the Group | Underlying results |  |  |  |
Underlying income statement (condensed) |  |  |  |
Net interest income |  | 1,080.0 | 832.0 | 780.0
Net fee income |  | 908.0 | 722.0 | 615.0
Gains (losses) on financial transactions |  | 296.0 | 326.0 | 353.0
Other operating income |  | 25.0 | 9.0 | (26.0)
Total income |  | 2,309.0 | 1,889.0 | 1,721.0
Total Costs |  | (1,676.0) | (1,643.0) | (1,415.0)
Net operating income |  | 634.0 | 246.0 | 306.0
Net loan-loss provisions |  | (260.0) | (230.0) | (203.0)
Other gains (losses) and provisions |  | (45.0) | (263.0) | (25.0)
Operating profit/(loss) before tax |  | 328.0 | (248.0) | 77.0
Tax on profit |  | (29.0) | (37.0) | (75.0)
Profit/(loss) from continuing operations |  | 300.0 | (285.0) | 2.0
Net profit from discontinued operations |  | 0.0 | 0.0 | 0.0
Profit/(loss) for the year |  | 300.0 | (285.0) | 2.0
Non-controlling interests |  | 1.0 | 5.0 | 7.0
Underlying profit attributable to the parent |  | € 300.0 | € (280.0) | € 9.0

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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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- Definition The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) 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 deliver 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, rights, options or warrants to acquire a fixed number of the entity’s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity’s own equity instruments do not include puttable financial instruments that are 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. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]] + 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 + Details
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