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Net interest income (Tables) | 12 Months Ended
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Dec. 31, 2024
Net interest income [abstract] |
Summary of net interest income |
Net interest income 1
in EUR million | 2024 | 2023 | 2022 |  |  | 2024 | 2023 | 2022
Interest income on loans 2 | 34,146 |  | 32,021 |  | 19,327 |  |  | Interest expense on deposits 3 | 15,105 |  | 11,940 |  | 3,506 |
Interest income on debt securities at amortised cost | 1,204 |  | 877 |  | 591 |  |  | Interest expense on debt securities in issue | 5,254 |  | 4,014 |  | 1,722 |
Interest income on financial assets at fair value through OCI | 1,481 |  | 1,078 |  | 511 |  |  | Interest expense on subordinated loans | 753 |  | 708 |  | 648 |
Interest income on non-trading derivatives (hedge accounting) | 12,644 |  | 10,682 |  | 4,011 |  |  | Interest expense on non-trading derivatives (hedge accounting) | 13,767 |  | 11,849 |  | 4,144 |
Total interest income using effective interest rate method | 49,474 |  | 44,658 |  | 24,439 |  |  | Total interest expense using effective interest rate method | 34,878 |  | 28,510 |  | 10,019 |
Interest income on financial assets at fair value through profit or loss | 6,343 |  | 4,934 |  | 1,444 |  |  | Interest expense on financial liabilities at fair value through profit or loss | 5,479 |  | 4,410 |  | 1,237 |
Interest income on non-trading derivatives (no hedge accounting) | 3,168 |  | 2,637 |  | 2,390 |  |  | Interest expense on non-trading derivatives (no hedge accounting) | 3,308 |  | 3,131 |  | 2,411 |
Interest income other | 173 |  | 171 |  | 100 |  |  | Interest expense on lease liabilities | 27 |  | 28 |  | 15 |
Total other interest income | 9,685 |  | 7,741 |  | 3,934 |  |  | Interest expense other | 178 |  | 157 |  | 98 |
|  |  |  |  | Total other interest expense | 8,993 |  | 7,726 |  | 3,762 |
Total interest income | 59,159 |  | 52,399 |  | 28,373 |  |  | Total interest expense | 43,871 |  | 36,237 |  | 13,780 |
|  |  |  |  | Net interest income | 15,288 |  | 16,162 |  | 14,593 |
1 Table has been updated to a more aggregated view for presentation purposes and comparatives have been adjusted accordingly. Negative interest on assets and liabilities is no longer presented separately. Furthermore, interest expense on deposits from customers and banks is now presented on a combined basis within Interest expense on deposits. Refer to footnote 2 and 3. 2 Includes interest income on loans to customers and banks, cash balances as well as negative interest on liabilities. Negative interest on liabilities amounted to EUR 7 million (2023: EUR 19 million; 2022: EUR 887 million). 3 Includes interest paid on deposits from customers and banks, and negative interest on assets. Negative interest on assets amounted to EUR 1 million (2023: EUR nil; 2022: EUR 285 million).

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