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Risk management - Gross carrying amount per IFRS 9 stage and rating class (Details) - EUR (€) € in Millions	Jun. 30, 2024	Dec. 31, 2023
Gross carrying amount | Purchased credit impaired | Stage 3: lifetime expected credit losses
Disclosure of credit risk exposure [line items]
Financial assets	€ (7)	€ (11)
Provisions
Disclosure of credit risk exposure [line items]
Financial assets	(6,117)	(5,839)
IFRS 9 | Gross carrying amount
Disclosure of credit risk exposure [line items]
Financial assets	1,057,950	1,025,043
IFRS 9 | Gross carrying amount | 1 (AAA)
Disclosure of credit risk exposure [line items]
Financial assets	97,276	87,510
IFRS 9 | Gross carrying amount | 2-4 (AA)
Disclosure of credit risk exposure [line items]
Financial assets	138,939	134,711
IFRS 9 | Gross carrying amount | 5-7 (A)
Disclosure of credit risk exposure [line items]
Financial assets	245,151	237,206
IFRS 9 | Gross carrying amount | 8-10 (BBB)
Disclosure of credit risk exposure [line items]
Financial assets	331,033	319,971
IFRS 9 | Gross carrying amount | 11-13 (BB)
Disclosure of credit risk exposure [line items]
Financial assets	173,903	176,661
IFRS 9 | Gross carrying amount | 14-16 (B)
Disclosure of credit risk exposure [line items]
Financial assets	46,523	45,750
IFRS 9 | Gross carrying amount | 17 (CCC)
Disclosure of credit risk exposure [line items]
Financial assets	5,082	4,742
IFRS 9 | Gross carrying amount | 18 (CC)
Disclosure of credit risk exposure [line items]
Financial assets	4,617	4,617
IFRS 9 | Gross carrying amount | 19 (C)
Disclosure of credit risk exposure [line items]
Financial assets	1,967	1,919
IFRS 9 | Gross carrying amount | 20-22 (D)
Disclosure of credit risk exposure [line items]
Financial assets	13,459	11,956
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1)
Disclosure of credit risk exposure [line items]
Financial assets	975,522	937,633
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1) | 1 (AAA)
Disclosure of credit risk exposure [line items]
Financial assets	97,215	87,071
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1) | 2-4 (AA)
Disclosure of credit risk exposure [line items]
Financial assets	137,427	132,159
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1) | 5-7 (A)
Disclosure of credit risk exposure [line items]
Financial assets	240,731	231,018
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1) | 8-10 (BBB)
Disclosure of credit risk exposure [line items]
Financial assets	312,399	302,967
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1) | 11-13 (BB)
Disclosure of credit risk exposure [line items]
Financial assets	158,219	157,387
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1) | 14-16 (B)
Disclosure of credit risk exposure [line items]
Financial assets	28,681	26,414
IFRS 9 | Gross carrying amount | 12-month ECL (Stage 1) | 17 (CCC)
Disclosure of credit risk exposure [line items]
Financial assets	851	617
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2)
Disclosure of credit risk exposure [line items]
Financial assets	68,969	75,454
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 1 (AAA)
Disclosure of credit risk exposure [line items]
Financial assets	61	439
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 2-4 (AA)
Disclosure of credit risk exposure [line items]
Financial assets	1,512	2,553
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 5-7 (A)
Disclosure of credit risk exposure [line items]
Financial assets	4,419	6,188
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 8-10 (BBB)
Disclosure of credit risk exposure [line items]
Financial assets	18,634	17,004
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 11-13 (BB)
Disclosure of credit risk exposure [line items]
Financial assets	15,684	19,273
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 14-16 (B)
Disclosure of credit risk exposure [line items]
Financial assets	17,843	19,336
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 17 (CCC)
Disclosure of credit risk exposure [line items]
Financial assets	4,231	4,125
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 18 (CC)
Disclosure of credit risk exposure [line items]
Financial assets	4,617	4,617
IFRS 9 | Gross carrying amount | Lifetime ECL not credit impaired (Stage 2) | 19 (C)
Disclosure of credit risk exposure [line items]
Financial assets	1,967	1,919
IFRS 9 | Gross carrying amount | Lifetime ECL credit impaired (Stage 3)
Disclosure of credit risk exposure [line items]
Financial assets	13,459	11,956
IFRS 9 | Gross carrying amount | Lifetime ECL credit impaired (Stage 3) | 20-22 (D)
Disclosure of credit risk exposure [line items]
Financial assets	13,459	11,956
IFRS 9 | Provisions
Disclosure of credit risk exposure [line items]
Financial assets	(6,117)	(5,839)
IFRS 9 | Provisions | 1 (AAA)
Disclosure of credit risk exposure [line items]
Financial assets	(1)	(1)
IFRS 9 | Provisions | 2-4 (AA)
Disclosure of credit risk exposure [line items]
Financial assets	(7)	(9)
IFRS 9 | Provisions | 5-7 (A)
Disclosure of credit risk exposure [line items]
Financial assets	(25)	(30)
IFRS 9 | Provisions | 8-10 (BBB)
Disclosure of credit risk exposure [line items]
Financial assets	(88)	(108)
IFRS 9 | Provisions | 11-13 (BB)
Disclosure of credit risk exposure [line items]
Financial assets	(296)	(319)
IFRS 9 | Provisions | 14-16 (B)
Disclosure of credit risk exposure [line items]
Financial assets	(554)	(618)
IFRS 9 | Provisions | 17 (CCC)
Disclosure of credit risk exposure [line items]
Financial assets	(216)	(242)
IFRS 9 | Provisions | 18 (CC)
Disclosure of credit risk exposure [line items]
Financial assets	(318)	(402)
IFRS 9 | Provisions | 19 (C)
Disclosure of credit risk exposure [line items]
Financial assets	(179)	(221)
IFRS 9 | Provisions | 20-22 (D)
Disclosure of credit risk exposure [line items]
Financial assets	(4,432)	(3,887)
IFRS 9 | Provisions | 12-month ECL (Stage 1)
Disclosure of credit risk exposure [line items]
Financial assets	(494)	(517)
IFRS 9 | Provisions | 12-month ECL (Stage 1) | 1 (AAA)
Disclosure of credit risk exposure [line items]
Financial assets	(1)	(1)
IFRS 9 | Provisions | 12-month ECL (Stage 1) | 2-4 (AA)
Disclosure of credit risk exposure [line items]
Financial assets	(6)	(8)
IFRS 9 | Provisions | 12-month ECL (Stage 1) | 5-7 (A)
Disclosure of credit risk exposure [line items]
Financial assets	(19)	(24)
IFRS 9 | Provisions | 12-month ECL (Stage 1) | 8-10 (BBB)
Disclosure of credit risk exposure [line items]
Financial assets	(63)	(85)
IFRS 9 | Provisions | 12-month ECL (Stage 1) | 11-13 (BB)
Disclosure of credit risk exposure [line items]
Financial assets	(218)	(226)
IFRS 9 | Provisions | 12-month ECL (Stage 1) | 14-16 (B)
Disclosure of credit risk exposure [line items]
Financial assets	(173)	(164)
IFRS 9 | Provisions | 12-month ECL (Stage 1) | 17 (CCC)
Disclosure of credit risk exposure [line items]
Financial assets	(15)	(10)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2)
Disclosure of credit risk exposure [line items]
Financial assets	(1,190)	(1,435)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 2-4 (AA)
Disclosure of credit risk exposure [line items]
Financial assets	(1)	(2)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 5-7 (A)
Disclosure of credit risk exposure [line items]
Financial assets	(7)	(6)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 8-10 (BBB)
Disclosure of credit risk exposure [line items]
Financial assets	(24)	(24)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 11-13 (BB)
Disclosure of credit risk exposure [line items]
Financial assets	(78)	(93)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 14-16 (B)
Disclosure of credit risk exposure [line items]
Financial assets	(380)	(455)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 17 (CCC)
Disclosure of credit risk exposure [line items]
Financial assets	(201)	(233)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 18 (CC)
Disclosure of credit risk exposure [line items]
Financial assets	(318)	(402)
IFRS 9 | Provisions | Lifetime ECL not credit impaired (Stage 2) | 19 (C)
Disclosure of credit risk exposure [line items]
Financial assets	(179)	(221)
IFRS 9 | Provisions | Lifetime ECL credit impaired (Stage 3)
Disclosure of credit risk exposure [line items]
Financial assets	(4,432)	(3,887)
IFRS 9 | Provisions | Lifetime ECL credit impaired (Stage 3) | 20-22 (D)
Disclosure of credit risk exposure [line items]
Financial assets	€ (4,432)	€ (3,887)

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The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity’s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity’s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity’s own equity instruments. For this purpose the entity’s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity’s own equity instruments. [Refer: Financial instruments, class [member]; Financial liabilities]

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