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Net interest income - Summary of net interest income (Details) - EUR (€) € in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Net interest income [abstract] |  |  |
Interest income on loans | € 34,146 | € 32,021 | € 19,327
Interest income on debt securities at amortised cost | 1,204 | 877 | 591
Interest income on financial assets at fair value through OCI | 1,481 | 1,078 | 511
Interest income on non-trading derivatives (hedge accounting) | 12,644 | 10,682 | 4,011
Total interest income using effective interest rate method | 49,474 | 44,658 | 24,439
Interest income on financial assets at fair value through profit or loss | 6,343 | 4,934 | 1,444
Interest income on non-trading derivatives (no hedge accounting) | 3,168 | 2,637 | 2,390
Interest income other | 173 | 171 | 100
Total other interest income | 9,685 | 7,741 | 3,934
Total interest income | 59,159 | 52,399 | 28,373
Interest expense on deposits | 15,105 | 11,940 | 3,506
Interest expense on debt securities in issue | 5,254 | 4,014 | 1,722
Interest expense on subordinated loans | 753 | 708 | 648
Interest expense on non-trading derivatives (hedge accounting) | 13,767 | 11,849 | 4,144
Total interest expense using effective interest rate method | 34,878 | 28,510 | 10,019
Interest expense on financial liabilities at fair value through profit or loss | 5,479 | 4,410 | 1,237
Interest expense on non-trading derivatives (no hedge accounting) | 3,308 | 3,131 | 2,411
Interest expense on lease liabilities | 27 | 28 | 15
Interest expense other | 178 | 157 | 98
Total other interest expense | 8,993 | 7,726 | 3,762
Total interest expense | 43,871 | 36,237 | 13,780
Net interest income 20 | 15,288 | 16,162 | 14,593
Negative interest income on liabilities | (7) | (19) | (887)
Negative interest expense on assets | € 1 | € 0 | € 285

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- Definition The amount of expense arising from interest. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 8 -IssueDate 2024-01-01 -Paragraph 28 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2024-en-r&anchor=para_28_e&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 12 -IssueDate 2024-01-01 -Paragraph B13 -Subparagraph f -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=12&code=ifrs-tx-2024-en-r&anchor=para_B13_f&doctype=Appendix&subtype=B -URIDate 2024-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 8 -IssueDate 2024-01-01 -Paragraph 23 -Subparagraph d -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2024-en-r&anchor=para_23_d&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest expense on debt instruments issued. [Refer: Interest expense; Debt instruments issued] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest expense on financial liabilities designated at fair value through profit or loss. [Refer: Interest expense; Financial liabilities at fair value through profit or loss, designated upon initial recognition or subsequently] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest expense on lease liabilities. [Refer: Lease liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2024-01-01 -Paragraph 53 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2024-en-r&anchor=para_53_b&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest expense on other financial liabilities. [Refer: Interest expense; Other financial liabilities] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of revenue arising from interest for financial assets that are measured at amortised cost. [Refer: Interest income; Financial assets at amortised cost] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 20 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_20_b&doctype=Standard -URIDate 2024-03-27 + Details
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