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Note 7 Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty (Details) - EUR (€) € in Millions | Dec. 31, 2023 | Dec. 31, 2022 | Dec. 31, 2021
--- | --- | --- | ---
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Loans and advances to customers | € 377,643 | € 357,351 | [1],[2] | € 318,939
Public administration [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (23,294) | (20,922) | [3] | (19,719)
Allowance account for credit losses of financial assets | 29 | 30 | [3] | 37
Loans and advances to customers | 23,265 | 20,892 | [3] | 19,682
Other financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (13,271) | (12,802) | [3] | (9,826)
Allowance account for credit losses of financial assets | 20 | 37 | [3] | 23
Loans and advances to customers | 13,251 | 12,765 | [3] | 9,804
Non financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (175,337) | (170,929) | [3] | (146,797)
Allowance account for credit losses of financial assets | 4,274 | 5,495 | [3] | 5,804
Loans and advances to customers | 171,063 | 165,433 | [3] | 140,993
Households [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (177,009) | (163,936) | [3] | (153,714)
Allowance account for credit losses of financial assets | 6,946 | 5,675 | [3] | 5,253
Loans and advances to customers | 170,063 | 158,261 | [3] | 148,461
Loans and advances to customers [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (388,912) | (368,588) | [3] | (330,055)
Allowance account for credit losses of financial assets | 11,269 | 11,237 | [3] | 11,116
Loans and advances to customers | 377,643 | 357,351 | [3] | 318,939
Stage 1 [Member] | Public administration [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (23,105) | (20,582) | [3] | (19,287)
Allowance account for credit losses of financial assets | 9 | 8 | [3] | 13
Loans and advances to customers | 23,096 | 20,574 | [3] | 19,274
Stage 1 [Member] | Other financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (13,072) | (12,548) | [3] | (9,672)
Allowance account for credit losses of financial assets | 9 | 15 | [3] | 8
Loans and advances to customers | 13,062 | 12,533 | [3] | 9,664
Stage 1 [Member] | Non financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (154,519) | (149,501) | [3] | (120,140)
Allowance account for credit losses of financial assets | 517 | 675 | [3] | 759
Loans and advances to customers | 154,002 | 148,826 | [3] | 119,381
Stage 1 [Member] | Households [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (145,837) | (138,896) | [3] | (132,096)
Allowance account for credit losses of financial assets | 1,552 | 1,316 | [3] | 1,184
Loans and advances to customers | 144,285 | 137,580 | [3] | 130,912
Stage 1 [Member] | Loans and advances to customers [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (336,533) | (321,528) | [3] | (281,195)
Allowance account for credit losses of financial assets | 2,087 | 2,014 | [3] | 1,964
Loans and advances to customers | 334,446 | 319,513 | [3] | 279,231
Stage 2 [Member] | Public administration [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (164) | (302) | [3] | (369)
Allowance account for credit losses of financial assets | 12 | 11 | [3] | 5
Loans and advances to customers | 152 | 291 | [3] | 364
Stage 2 [Member] | Other financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (187) | (238) | [3] | (131)
Allowance account for credit losses of financial assets | 4 | 12 | [3] | 6
Loans and advances to customers | 183 | 226 | [3] | 125
Stage 2 [Member] | Non financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (15,299) | (15,087) | [3] | (19,366)
Allowance account for credit losses of financial assets | 795 | 991 | [3] | 1,306
Loans and advances to customers | 14,503 | 14,096 | [3] | 18,060
Stage 2 [Member] | Households [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (22,286) | (17,941) | [3] | (14,336)
Allowance account for credit losses of financial assets | 1,214 | 925 | [3] | 773
Loans and advances to customers | 21,071 | 17,017 | [3] | 13,563
Stage 2 [Member] | Loans and advances to customers [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (37,935) | (33,568) | [3] | (34,203)
Allowance account for credit losses of financial assets | 2,026 | 1,938 | [3] | 2,091
Loans and advances to customers | 35,909 | 31,629 | [3] | 32,112
Stage 3 [Member] | Public administration [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (25) | (38) | [3] | (62)
Allowance account for credit losses of financial assets | 7 | 11 | [3] | 19
Loans and advances to customers | 18 | 27 | [3] | 43
Stage 3 [Member] | Other financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (12) | (17) | [3] | (24)
Allowance account for credit losses of financial assets | 7 | 10 | [3] | 9
Loans and advances to customers | 6 | 6 | [3] | 15
Stage 3 [Member] | Non financial corporations [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (5,520) | (6,340) | [3] | (7,290)
Allowance account for credit losses of financial assets | 2,962 | 3,829 | [3] | 3,738
Loans and advances to customers | 2,558 | 2,511 | [3] | 3,552
Stage 3 [Member] | Households [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (8,886) | (7,098) | [3] | (7,281)
Allowance account for credit losses of financial assets | 4,180 | 3,434 | [3] | 3,295
Loans and advances to customers | 4,706 | 3,663 | [3] | 3,986
Stage 3 [Member] | Loans and advances to customers [Member] |  |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |  |
Maximum exposure to credit risk | (14,444) | (13,493) | [3] | (14,657)
Allowance account for credit losses of financial assets | 7,156 | 7,284 | [3] | 7,061
Loans and advances to customers | € 7,287 | € 6,208 | [3] | € 7,596
[1] | (1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Notes 1.3 and 2.3)
[2] | (1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Notes 1.3 and 2.3).
[3] | (1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Notes 1.3 and 2.3).

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- Definition The amount of an allowance account used to record impairments to financial assets due to credit losses. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Note Expired 2023-01-01 -Name IFRS -Number 7 -IssueDate 2023-01-01 -Paragraph 16 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2017-en-b&anchor=para_16&doctype=Standard&book=b -URIDate 2023-03-23 + Details
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- Definition The amount of loans and advances the entity has made to customers. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2023-01-01 -Paragraph 55 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2023-en-r&anchor=para_55&doctype=Standard -URIDate 2023-03-23 + Details
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- Definition The amount that best represents the maximum exposure to credit risk without taking into account any collateral held or other credit enhancements (for example, netting agreements that do not qualify for offset in accordance with IAS 32). [Refer: Credit risk [member]] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2023-01-01 -Paragraph 35K -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2023-en-r&anchor=para_35K_a&doctype=Standard -URIDate 2023-03-23 + Details
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