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Note 23 Variation in liabilities under Insurance and Reinsurance contracts by valuation components (Details) - EUR (€) € in Millions | 12 Months Ended
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Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Variation in liabilities under insurance and reinsurance contracts [Line Items] |  |  |  |  |  |
Liabilities under insurance and reinsurance contracts by valuation component | € 11,118 |  | € 9,303 |  | € 9,006 |
Insurance service result | (318) |  | (406) |  | (511) |
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) | (1,267) |  | (960) |  | (908) |
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) | (24) |  | 0 |  | (17) |
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) | 974 |  | 554 |  | 413 |
Financial income (expense) from insurance contracts | (406) |  | 564 |  | (694) |
Exchange rate differences from insurance and reinsurance contracts by valuation component | (721) |  | 1,035 |  | 1,093 |
Cash flows from insurance and reinsurance contracts by valuation component | 411 |  | 623 |  | 412 |
Liabilities under insurance and reinsurance contracts by valuation component | 10,084 |  | 11,118 |  | 9,303 |
Estimates of present value of future cash flows [member] |  |  |  |  |  |
Variation in liabilities under insurance and reinsurance contracts [Line Items] |  |  |  |  |  |
Liabilities under insurance and reinsurance contracts by valuation component | 9,738 |  | 8,056 |  | 7,945 |
Insurance service result | (345) |  | (384) |  | (606) |
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) | (969) |  | (749) |  | (750) |
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) | (350) |  | (189) |  | (270) |
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) | 974 |  | 554 |  | 413 |
Financial income (expense) from insurance contracts | (457) |  | 508 |  | (704) |
Exchange rate differences from insurance and reinsurance contracts by valuation component | (636) |  | 935 |  | 1,009 |
Cash flows from insurance and reinsurance contracts by valuation component | 411 |  | 623 |  | 412 |
Liabilities under insurance and reinsurance contracts by valuation component | 8,710 |  | 9,738 |  | 8,056 |
Risk adjustment for insurance and reinsurance contracts [Member] |  |  |  |  |  |
Variation in liabilities under insurance and reinsurance contracts [Line Items] |  |  |  |  |  |
Liabilities under insurance and reinsurance contracts by valuation component | 167 |  | 150 |  | 112 |
Insurance service result | (17) |  | 0 |  | 46 |
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) | (29) |  | (26) |  | (14) |
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) | 12 |  | 26 |  | 60 |
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) | 0 |  | 0 |  | 0 |
Financial income (expense) from insurance contracts | 3 |  | 11 |  | (20) |
Exchange rate differences from insurance and reinsurance contracts by valuation component | (3) |  | 6 |  | 11 |
Cash flows from insurance and reinsurance contracts by valuation component | 0 |  | 0 |  | 0 |
Liabilities under insurance and reinsurance contracts by valuation component | 150 |  | 167 |  | 150 |
Contractual service margin [member] |  |  |  |  |  |
Variation in liabilities under insurance and reinsurance contracts [Line Items] |  |  |  |  |  |
Liabilities under insurance and reinsurance contracts by valuation component | 1,213 | [1],[2] | 1,097 | [1] | 948 | [3]
Insurance service result | 44 | [2] | (23) | [1] | 49 | [3]
Increase (decrease) through changes that relate to current service, insurance contracts liability (asset) | (270) | [2] | (185) | [1] | (144) | [3]
Increase (decrease) through changes that relate to future service, insurance contracts liability (asset) | 314 | [2] | 163 | [1] | 193 | [3]
Increase (decrease) through changes that relate to past service, insurance contracts liability (asset) | 0 | [2] | 0 | [1] | 0 | [3]
Financial income (expense) from insurance contracts | 49 | [2] | 45 | [1] | 29 | [3]
Exchange rate differences from insurance and reinsurance contracts by valuation component | (82) | [2] | 94 | [1] | 72 | [3]
Cash flows from insurance and reinsurance contracts by valuation component | 0 | [2] | 0 | [1] | 0 | [3]
Liabilities under insurance and reinsurance contracts by valuation component | € 1,224 | [2] | € 1,213 | [1],[2] | € 1,097 | [1]
[1] | (1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.
[2] | (1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.
[3] | (1) In general, the transition approach for calculating the contractual service margin has been the fair value approach for long-term contracts and the full retrospective approach for short-term contracts.

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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from changes that relate to current service. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 104 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_104_b&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from changes that relate to future service. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 103 -Subparagraph b -Clause iv -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_103_b_iv&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 104 -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_104_a&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The increase (decrease) in insurance contracts liability (asset) resulting from changes that relate to past service, ie changes in fulfilment cash flows relating to incurred claims. [Refer: Insurance contracts liability (asset)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 103 -Subparagraph b -Clause iii -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_103_b_iii&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 104 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_104_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount comprising insurance revenue and insurance service expenses. [Refer: Insurance revenue; Insurance service expenses from insurance contracts issued; Income (expenses) from reinsurance contracts held, other than finance income (expenses)] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 17 -IssueDate 2024-01-01 -Paragraph 80 -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=17&code=ifrs-tx-2024-en-r&anchor=para_80_a&doctype=Standard -URIDate 2024-03-27 + Details
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