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Risk management - Changes in gross carrying amounts and loan loss provisions (Details) - EUR (€) € in Millions |  | 12 Months Ended
--- | --- | ---
Jan. 01, 2023 | Dec. 31, 2023 | Dec. 31, 2022
Gross carrying amount | Purchased credit impaired | Stage 3: Lifetime Expected Credit Losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | € (7) | € (7) |
Closing balance |  | (11) | € (7)
Accumulated impairments |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (6,101) | (6,101) |
Increase (decrease) in financial assets |  | 520 | 1,861
Closing balance |  | (5,839) | (6,101)
Accumulated impairments | Non-financial guarantees |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Closing balance |  | (151) |
Accumulated impairments | IFRS-9 Eligible Financial Assets |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Increase (decrease) in financial assets |  | 483 | 1,850
Accumulated impairments | Non-Credit Replacement Guarantees |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Increase (decrease) in financial assets |  | (31) | (3)
Accumulated impairments | Modification gains and losses on restructured financial assets |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Increase (decrease) in financial assets |  | 68 | 14
Loans | Gross carrying amount |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 1,009,595 | 1,009,595 | 951,934
New financial assets originated or purchased |  | (195,775) | (248,443)
Disposals and redemptions |  | 137,705 | 152,366
Net drawdowns and repayments |  | 41,511 | 79,226
Write-offs |  | 1,111 | 1,129
Closing balance |  | 1,025,043 | 1,009,595
Loans | Gross carrying amount | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 922,300 | 922,300 | 890,386
New financial assets originated or purchased |  | (195,775) | (248,443)
Disposals and redemptions |  | 121,991 | 138,250
Net drawdowns and repayments |  | 38,758 | 77,907
Write-offs |  | 3 |
Closing balance |  | 937,633 | 922,300
Loans | Gross carrying amount | Stage 1 | 12-month expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | (11,832) | (8,513)
Loans | Gross carrying amount | Stage 1 | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  |  | 3,524
Loans | Gross carrying amount | Stage 1 | Not credit-impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 29,470 | 42,439
Loans | Gross carrying amount | Stage 1 | Credit impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 2,053 |
Loans | Gross carrying amount | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 75,429 | 75,429 | 49,476
Disposals and redemptions |  | 14,239 | 11,312
Net drawdowns and repayments |  | 2,525 | 1,340
Write-offs |  | (38) |
Closing balance |  | 75,454 | 75,429
Loans | Gross carrying amount | Stage 2 | 12-month expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 11,583 | 8,105
Loans | Gross carrying amount | Stage 2 | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  |  | 1,216
Loans | Gross carrying amount | Stage 2 | Not credit-impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | (30,185) | (43,222)
Loans | Gross carrying amount | Stage 2 | Credit impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 1,775 |
Loans | Gross carrying amount | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 11,866 | 11,866 | 12,072
Disposals and redemptions |  | 1,475 | 2,805
Net drawdowns and repayments |  | 229 | (21)
Write-offs |  | 1,070 | 1,129
Closing balance |  | 11,956 | 11,866
Loans | Gross carrying amount | Stage 3 | 12-month expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 249 | 408
Loans | Gross carrying amount | Stage 3 | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  |  | (4,740)
Loans | Gross carrying amount | Stage 3 | Not credit-impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 716 | 784
Loans | Gross carrying amount | Stage 3 | Credit impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | (3,828) |
Loans | Accumulated impairments |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (6,196) | (6,196) | (5,368)
Net remeasurement of loan loss provisions |  | (184) | 430
New financial assets originated or purchased |  | 204 | 228
Disposals and redemptions |  | (553) | (379)
Net drawdowns and repayments |  |  | 30
Changes in models/risk parameters |  | 102 |
Increase (decrease) in financial assets |  | 452 | 1,849
Write-offs |  | (1,111) | (1,130)
Recoveries of amounts previously written off |  | 71 | 71
Foreign exchange and other movements |  | (231) | 57
Closing balance |  | (5,839) | (6,196)
Loans | Accumulated impairments | 12-month expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 247 | 168
Loans | Accumulated impairments | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  |  | 1,144
Loans | Accumulated impairments | Not credit-impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 277 | 564
Loans | Accumulated impairments | Credit impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 853 |
Loans | Accumulated impairments | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (590) | (590) | (501)
Net remeasurement of loan loss provisions |  | (149) | (8)
New financial assets originated or purchased |  | 204 | 228
Disposals and redemptions |  | (72) | (70)
Net drawdowns and repayments |  |  | (8)
Changes in models/risk parameters |  | (8) |
Increase (decrease) in financial assets |  | (58) | (95)
Write-offs |  | (3) |
Foreign exchange and other movements |  | 12 | 15
Closing balance |  | (517) | (590)
Loans | Accumulated impairments | Stage 1 | 12-month expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 28 | 21
Loans | Accumulated impairments | Stage 1 | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  |  | 8
Loans | Accumulated impairments | Stage 1 | Not credit-impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 67 | 76
Loans | Accumulated impairments | Stage 1 | Credit impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 10 |
Loans | Accumulated impairments | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (1,692) | (1,692) | (1,016)
Net remeasurement of loan loss provisions |  | (94) | (223)
Disposals and redemptions |  | (215) | (94)
Net drawdowns and repayments |  |  | 13
Changes in models/risk parameters |  | 10 |
Increase (decrease) in financial assets |  | (204) | (648)
Write-offs |  | (38) | (1)
Foreign exchange and other movements |  | (15) | 16
Closing balance |  | (1,435) | (1,692)
Loans | Accumulated impairments | Stage 2 | 12-month expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 239 | 142
Loans | Accumulated impairments | Stage 2 | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  |  | 82
Loans | Accumulated impairments | Stage 2 | Not credit-impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 449 | 730
Loans | Accumulated impairments | Stage 2 | Credit impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 115 |
Loans | Accumulated impairments | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (3,914) | (3,914) | (3,851)
Net remeasurement of loan loss provisions |  | 59 | 199
Disposals and redemptions |  | (266) | (215)
Net drawdowns and repayments |  |  | 25
Changes in models/risk parameters |  | 84 |
Increase (decrease) in financial assets |  | 714 | 1,106
Write-offs |  | (1,070) | (1,129)
Recoveries of amounts previously written off |  | 71 | 71
Foreign exchange and other movements |  | (258) | 58
Closing balance |  | (3,887) | (3,914)
Loans | Accumulated impairments | Stage 3 | 12-month expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 36 | 47
Loans | Accumulated impairments | Stage 3 | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  |  | 1,234
Loans | Accumulated impairments | Stage 3 | Not credit-impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 105 | 90
Loans | Accumulated impairments | Stage 3 | Credit impaired | Lifetime expected credit losses |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Transfers and reclassifications |  | 978 |
IFRS 9 | Gross carrying amount |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 967,655 | 967,655 |
Closing balance |  | 1,025,043 | 967,655
IFRS 9 | Gross carrying amount | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 885,222 | 885,222 |
Closing balance |  | 937,633 | 885,222
IFRS 9 | Gross carrying amount | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 70,725 | 70,725 |
Changes in models/risk parameters |  | (100) |
Closing balance |  | 75,454 | 70,725
IFRS 9 | Gross carrying amount | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 11,708 | 11,708 |
Closing balance |  | 11,956 | 11,708
IFRS 9 | Accumulated impairments |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (6,101) | (6,101) |
Closing balance |  | (5,839) | (6,101)
IFRS 9 | Accumulated impairments | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (581) | (581) |
Closing balance |  | (517) | (581)
IFRS 9 | Accumulated impairments | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (1,679) | (1,679) |
Increase (decrease) in financial assets |  | (300) |
Closing balance |  | (1,435) | (1,679)
IFRS 9 | Accumulated impairments | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (3,841) | (3,841) |
Closing balance |  | (3,887) | (3,841)
IFRS 9 | Accumulated impairments | Stage 3 | Purchased credit impaired |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Closing balance |  | (11) |
Previously stated | Loans | Gross carrying amount |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 967,655 | 967,655 |
Closing balance |  |  | 967,655
Previously stated | Loans | Gross carrying amount | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 885,222 | 885,222 |
Closing balance |  |  | 885,222
Previously stated | Loans | Gross carrying amount | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 70,725 | 70,725 |
Closing balance |  |  | 70,725
Previously stated | Loans | Gross carrying amount | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 11,708 | 11,708 |
Closing balance |  |  | 11,708
Previously stated | Loans | Accumulated impairments |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (6,101) | (6,101) |
Closing balance |  |  | (6,101)
Previously stated | Loans | Accumulated impairments | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (581) | (581) |
Closing balance |  |  | (581)
Previously stated | Loans | Accumulated impairments | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (1,679) | (1,679) |
Closing balance |  |  | (1,679)
Previously stated | Loans | Accumulated impairments | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (3,841) | (3,841) |
Closing balance |  |  | (3,841)
Impact of changes in accounting policies | Loans | Gross carrying amount |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 41,939 | 41,939 |
Closing balance |  |  | 41,939
Impact of changes in accounting policies | Loans | Gross carrying amount | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 37,078 | 37,078 |
Closing balance |  |  | 37,078
Impact of changes in accounting policies | Loans | Gross carrying amount | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 4,704 | 4,704 |
Closing balance |  |  | 4,704
Impact of changes in accounting policies | Loans | Gross carrying amount | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | 158 | 158 |
Closing balance |  |  | 158
Impact of changes in accounting policies | Loans | Accumulated impairments |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (95) | (95) |
Net remeasurement of loan loss provisions | 42 |  |
Closing balance |  |  | (95)
Impact of changes in accounting policies | Loans | Accumulated impairments | Loans with death waivers |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (55) | (55) |
Closing balance |  |  | (55)
Impact of changes in accounting policies | Loans | Accumulated impairments | Non-financial guarantees |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (109) | (109) |
Closing balance |  |  | (109)
Impact of changes in accounting policies | Loans | Accumulated impairments | Stage 1 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (9) | (9) |
Closing balance |  |  | (9)
Impact of changes in accounting policies | Loans | Accumulated impairments | Stage 2 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | (13) | (13) |
Closing balance |  |  | (13)
Impact of changes in accounting policies | Loans | Accumulated impairments | Stage 3 |  |  |
Disclosure of credit risk exposure [line items] |  |  |
Opening balance as at 1 January | € (73) | € (73) |
Closing balance |  |  | € (73)

X
- Definition The decrease in financial assets resulting from derecognition. [Refer: Financial assets] + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2023-01-01 -Paragraph IG20B -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2023-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2023-03-23 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2023-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2023-en-r&anchor=para_35H&doctype=Standard -URIDate 2023-03-23 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2023-01-01 -Paragraph 35I -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2023-en-r&anchor=para_35I_c&doctype=Standard -URIDate 2023-03-23 + Details
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