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Risk management - Disclosure of credit and concentration risk (Details) € in Millions | Dec. 31, 2025 EUR (€)
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Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | € 305,156
Credit risk |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 1,792,549
Credit risk | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 352,126
Credit risk | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 378,314
Credit risk | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 660,879
Credit risk | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 401,230
Credit risk | Central banks and Credit institutions |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 326,316
Credit risk | Central banks and Credit institutions | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 61,256
Credit risk | Central banks and Credit institutions | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 71,853
Credit risk | Central banks and Credit institutions | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 119,532
Credit risk | Central banks and Credit institutions | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 73,675
Credit risk | Public sector |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 267,765
Credit risk | Public sector | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 82,131
Credit risk | Public sector | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 62,620
Credit risk | Public sector | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 109,109
Credit risk | Public sector | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 13,905
Credit risk | Central government |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 239,153
Credit risk | Central government | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 66,479
Credit risk | Central government | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 57,468
Credit risk | Central government | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 101,768
Credit risk | Central government | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 13,438
Credit risk | Other central government |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 28,612
Credit risk | Other central government | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 15,652
Credit risk | Other central government | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 5,152
Credit risk | Other central government | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 7,341
Credit risk | Other central government | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 467
Credit risk | Other financial institutions (financial business activity) |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 207,044
Credit risk | Other financial institutions (financial business activity) | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 16,301
Credit risk | Other financial institutions (financial business activity) | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 50,819
Credit risk | Other financial institutions (financial business activity) | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 101,600
Credit risk | Other financial institutions (financial business activity) | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 38,324
Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 447,496
Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 103,836
Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 94,760
Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 188,078
Credit risk | Non-financial corporations and individual entrepreneurs (non-financial business activity) | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 60,822
Credit risk | Construction and property development |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 20,322
Credit risk | Construction and property development | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 4,130
Credit risk | Construction and property development | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 2,090
Credit risk | Construction and property development | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 9,396
Credit risk | Construction and property development | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 4,706
Credit risk | Civil engineering construction |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 5,128
Credit risk | Civil engineering construction | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 1,835
Credit risk | Civil engineering construction | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 1,740
Credit risk | Civil engineering construction | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 1,468
Credit risk | Civil engineering construction | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 85
Credit risk | Large companies |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 291,515
Credit risk | Large companies | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 53,841
Credit risk | Large companies | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 63,635
Credit risk | Large companies | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 127,003
Credit risk | Large companies | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 47,036
Credit risk | SMEs and individual entrepreneurs |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 130,531
Credit risk | SMEs and individual entrepreneurs | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 44,030
Credit risk | SMEs and individual entrepreneurs | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 27,295
Credit risk | SMEs and individual entrepreneurs | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 50,211
Credit risk | SMEs and individual entrepreneurs | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 8,995
Credit risk | Households - other |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 543,928
Credit risk | Households - other | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 88,602
Credit risk | Households - other | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 98,262
Credit risk | Households - other | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 142,560
Credit risk | Households - other | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 214,504
Credit risk | Residential |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 333,552
Credit risk | Residential | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 61,818
Credit risk | Residential | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 27,030
Credit risk | Residential | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 46,605
Credit risk | Residential | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 198,099
Credit risk | Consumer loans |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 192,746
Credit risk | Consumer loans | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 19,784
Credit risk | Consumer loans | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 69,670
Credit risk | Consumer loans | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 87,491
Credit risk | Consumer loans | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 15,801
Credit risk | Other purposes |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 17,630
Credit risk | Other purposes | Spain |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 7,000
Credit risk | Other purposes | Other EU countries |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 1,562
Credit risk | Other purposes | America |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | 8,464
Credit risk | Other purposes | Rest of the world |
Disclosure of nature and extent of risks arising from financial instruments [line items] |
Risk exposure | € 604

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- 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
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- Definition The amount of risk exposure associated with financial instruments with a shared characteristic that identifies a concentration of risks. [Refer: Classes of financial instruments [domain]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2025-01-01 -Paragraph B8 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2025-en-r&anchor=para_B8_c&doctype=Appendix&subtype=B -URIDate 2025-03-27 + Details
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