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Note 43 Insurance And Reinsurance Contracts In Income And Expense (Details) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
 [2]
Insurance and reinsurance contracts in income and expense [Line Items]      
Income arising from insurance contracts [1] € 3,720 € 3,081 € 2,622
Expense arising from insurance contracts (2,238) (1,821) (1,547)
Net income arising from insurance contracts € 1,482 € 1,261 € 1,075
[1]
(2) 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) Balances corresponding to 2022 have been restated according to IFRS 17 (see Note 1.3).