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Risk management - Gross carrying amount per IFRS 9 stage and rating class (Details) - EUR (€) € in Millions | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | ---
Disclosure of credit risk exposure [line items] |  |
Miscellaneous other liabilities | € 12,369 | € 13,667
Undrawn commitments |  |
Disclosure of credit risk exposure [line items] |  |
Undrawn borrowing facilities | 156,000 | 151,000
Other positions |  |
Disclosure of credit risk exposure [line items] |  |
Miscellaneous other liabilities | 6,000 | 9,000
Non IFRS 9 eligible assets commitments |  |
Disclosure of credit risk exposure [line items] |  |
Miscellaneous other liabilities | € 75,000 | € 67,000
Gross carrying amount | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Percentage of financial assets | 91.10% | 91.50%
Gross carrying amount | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Percentage of financial assets | 7.60% | 7.30%
Gross carrying amount | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Percentage of financial assets | 1.30% | 1.20%
Provisions |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | € (6,049) | € (5,839)
IFRS 9 | Gross carrying amount |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 1,048,574 | 1,025,043
IFRS 9 | Gross carrying amount | 1 (AAA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 79,357 | 87,510
IFRS 9 | Gross carrying amount | 2-4 (AA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 142,250 | 134,711
IFRS 9 | Gross carrying amount | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 251,149 | 237,206
IFRS 9 | Gross carrying amount | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 335,008 | 319,971
IFRS 9 | Gross carrying amount | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 172,827 | 176,661
IFRS 9 | Gross carrying amount | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 42,811 | 45,750
IFRS 9 | Gross carrying amount | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 4,897 | 4,742
IFRS 9 | Gross carrying amount | 18 (CC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 4,060 | 4,617
IFRS 9 | Gross carrying amount | 19 (C) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 2,474 | 1,919
IFRS 9 | Gross carrying amount | 20-22 (D) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 13,742 | 11,956
IFRS 9 | Gross carrying amount | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 954,943 | 937,633
IFRS 9 | Gross carrying amount | Stage 1 | 1 (AAA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 79,076 | 87,071
IFRS 9 | Gross carrying amount | Stage 1 | 2-4 (AA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 140,671 | 132,159
IFRS 9 | Gross carrying amount | Stage 1 | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 244,241 | 231,018
IFRS 9 | Gross carrying amount | Stage 1 | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 310,324 | 302,967
IFRS 9 | Gross carrying amount | Stage 1 | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 154,348 | 157,387
IFRS 9 | Gross carrying amount | Stage 1 | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 25,377 | 26,414
IFRS 9 | Gross carrying amount | Stage 1 | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 905 | 617
IFRS 9 | Gross carrying amount | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 79,888 | 75,454
IFRS 9 | Gross carrying amount | Stage 2 | 1 (AAA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 281 | 439
IFRS 9 | Gross carrying amount | Stage 2 | 2-4 (AA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 1,579 | 2,553
IFRS 9 | Gross carrying amount | Stage 2 | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 6,908 | 6,188
IFRS 9 | Gross carrying amount | Stage 2 | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 24,683 | 17,004
IFRS 9 | Gross carrying amount | Stage 2 | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 18,479 | 19,273
IFRS 9 | Gross carrying amount | Stage 2 | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 17,433 | 19,336
IFRS 9 | Gross carrying amount | Stage 2 | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 3,992 | 4,125
IFRS 9 | Gross carrying amount | Stage 2 | 18 (CC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 4,059 | 4,617
IFRS 9 | Gross carrying amount | Stage 2 | 19 (C) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 2,474 | 1,919
IFRS 9 | Gross carrying amount | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 13,742 | 11,956
IFRS 9 | Gross carrying amount | Stage 3 | 20-22 (D) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 13,742 | 11,956
IFRS 9 | Provisions |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (6,049) | (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 | (11) | (9)
IFRS 9 | Provisions | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (29) | (30)
IFRS 9 | Provisions | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (110) | (108)
IFRS 9 | Provisions | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (281) | (319)
IFRS 9 | Provisions | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (490) | (618)
IFRS 9 | Provisions | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (181) | (242)
IFRS 9 | Provisions | 18 (CC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (233) | (402)
IFRS 9 | Provisions | 19 (C) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (203) | (221)
IFRS 9 | Provisions | 20-22 (D) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (4,509) | (3,887)
IFRS 9 | Provisions | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (409) | (517)
IFRS 9 | Provisions | Stage 1 | 1 (AAA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (1) | (1)
IFRS 9 | Provisions | Stage 1 | 2-4 (AA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (10) | (8)
IFRS 9 | Provisions | Stage 1 | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (22) | (24)
IFRS 9 | Provisions | Stage 1 | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (55) | (85)
IFRS 9 | Provisions | Stage 1 | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (190) | (226)
IFRS 9 | Provisions | Stage 1 | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (124) | (164)
IFRS 9 | Provisions | Stage 1 | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (8) | (10)
IFRS 9 | Provisions | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (1,130) | (1,435)
IFRS 9 | Provisions | Stage 2 | 2-4 (AA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (1) | (2)
IFRS 9 | Provisions | Stage 2 | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (8) | (6)
IFRS 9 | Provisions | Stage 2 | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (55) | (24)
IFRS 9 | Provisions | Stage 2 | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (91) | (93)
IFRS 9 | Provisions | Stage 2 | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (366) | (455)
IFRS 9 | Provisions | Stage 2 | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (173) | (233)
IFRS 9 | Provisions | Stage 2 | 18 (CC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (233) | (402)
IFRS 9 | Provisions | Stage 2 | 19 (C) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (203) | (221)
IFRS 9 | Provisions | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (4,509) | (3,887)
IFRS 9 | Provisions | Stage 3 | 20-22 (D) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | € (4,509) | € (3,887)

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