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Note 7 Maximum credit risk exposure, accumulated allowances and carrying amount by counterparty (Details) - EUR (€) € in Millions | Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022 | [1]
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Public administration [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | € (22,133) | € (23,294) | € (20,922)
Allowance account for credit losses of financial assets | 23 | 29 | 30
Loans and advances to customers | 22,111 | 23,265 | 20,892
Other financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (17,524) | (13,271) | (12,802)
Allowance account for credit losses of financial assets | 26 | 20 | 37
Loans and advances to customers | 17,497 | 13,251 | 12,765
Non financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (197,521) | (175,337) | (170,929)
Allowance account for credit losses of financial assets | 4,134 | 4,274 | 5,495
Loans and advances to customers | 193,386 | 171,063 | 165,433
Households [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (186,910) | (177,009) | (163,936)
Allowance account for credit losses of financial assets | 7,427 | 6,946 | 5,675
Loans and advances to customers | 179,483 | 170,063 | 158,261
Loans and advances to customers [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (424,087) | (388,912) | (368,588)
Allowance account for credit losses of financial assets | 11,611 | 11,269 | 11,237
Loans and advances to customers | 412,477 | 377,643 | 357,351
Stage 1 [Member] | Public administration [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (21,982) | (23,105) | (20,582)
Allowance account for credit losses of financial assets | 8 | 9 | 8
Loans and advances to customers | 21,974 | 23,096 | 20,574
Stage 1 [Member] | Other financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (17,040) | (13,072) | (12,548)
Allowance account for credit losses of financial assets | 13 | 9 | 15
Loans and advances to customers | 17,027 | 13,062 | 12,533
Stage 1 [Member] | Non financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (179,727) | (154,519) | (149,501)
Allowance account for credit losses of financial assets | 639 | 517 | 675
Loans and advances to customers | 179,087 | 154,002 | 148,826
Stage 1 [Member] | Households [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (159,355) | (145,837) | (138,896)
Allowance account for credit losses of financial assets | 1,729 | 1,552 | 1,316
Loans and advances to customers | 157,627 | 144,285 | 137,580
Stage 1 [Member] | Loans and advances to customers [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (378,104) | (336,533) | (321,528)
Allowance account for credit losses of financial assets | 2,389 | 2,087 | 2,014
Loans and advances to customers | 375,715 | 334,446 | 319,513
Stage 2 [Member] | Public administration [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (125) | (164) | (302)
Allowance account for credit losses of financial assets | 7 | 12 | 11
Loans and advances to customers | 118 | 152 | 291
Stage 2 [Member] | Other financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (471) | (187) | (238)
Allowance account for credit losses of financial assets | 5 | 4 | 12
Loans and advances to customers | 467 | 183 | 226
Stage 2 [Member] | Non financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (12,780) | (15,299) | (15,087)
Allowance account for credit losses of financial assets | 636 | 795 | 991
Loans and advances to customers | 12,143 | 14,503 | 14,096
Stage 2 [Member] | Households [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (18,396) | (22,286) | (17,941)
Allowance account for credit losses of financial assets | 1,199 | 1,214 | 925
Loans and advances to customers | 17,197 | 21,071 | 17,017
Stage 2 [Member] | Loans and advances to customers [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (31,772) | (37,935) | (33,568)
Allowance account for credit losses of financial assets | 1,847 | 2,026 | 1,938
Loans and advances to customers | 29,925 | 35,909 | 31,629
Stage 3 [Member] | Public administration [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (26) | (25) | (38)
Allowance account for credit losses of financial assets | 8 | 7 | 11
Loans and advances to customers | 18 | 18 | 27
Stage 3 [Member] | Other financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (12) | (12) | (17)
Allowance account for credit losses of financial assets | 9 | 7 | 10
Loans and advances to customers | 4 | 6 | 6
Stage 3 [Member] | Non financial corporations [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (5,014) | (5,520) | (6,340)
Allowance account for credit losses of financial assets | 2,859 | 2,962 | 3,829
Loans and advances to customers | 2,156 | 2,558 | 2,511
Stage 3 [Member] | Households [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (9,158) | (8,886) | (7,098)
Allowance account for credit losses of financial assets | 4,499 | 4,180 | 3,434
Loans and advances to customers | 4,659 | 4,706 | 3,663
Stage 3 [Member] | Loans and advances to customers [Member] |  |  |
Maximum credit risk exposure to customers [Line Items] |  |  |
Maximum exposure to credit risk | (14,211) | (14,444) | (13,493)
Allowance account for credit losses of financial assets | 7,374 | 7,156 | 7,284
Loans and advances to customers | € 6,837 | € 7,287 | € 6,208
[1] | (1) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3

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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 2024-01-01 -Paragraph 55 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_55&doctype=Standard -URIDate 2024-03-27 + 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 2024-01-01 -Paragraph 35K -Subparagraph a -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35K_a&doctype=Standard -URIDate 2024-03-27 + Details
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