XML 148 R129.htm IDEA: XBRL DOCUMENT v3.25.0.1
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]
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