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Risk management - Changes in gross carrying amounts and loan loss provisions (Details) - EUR (€) € in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Gross carrying amount | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | € 1,025,043 |
Closing balance | 1,048,574 | € 1,025,043
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 | (11) |
Closing balance | (21) | (11)
Gross carrying amount | Stage 1 | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 937,633 |
Closing balance | 954,943 | 937,633
Gross carrying amount | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Changes in models/risk parameters | (4,400) |
Gross carrying amount | Stage 2 | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 75,454 |
Closing balance | 79,888 | 75,454
Gross carrying amount | Stage 2 | Loans |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 75,500 |
Closing balance | 79,900 | 75,500
Gross carrying amount | Stage 3 | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 11,956 |
Closing balance | 13,742 | 11,956
Gross carrying amount | Stage 3 | Loans |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 12,000 |
Changes in models/risk parameters | (1,700) |
Closing balance | 13,700 | 12,000
Gross carrying amount | Stage 3 | Credit impaired | Loans | Of which: non-performing |  |
Disclosure of credit risk exposure [line items] |  |
Changes in models/risk parameters | (4,800) |
Accumulated impairments |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (5,839) |
Increase in loan loss provisions | 1,194 | 520
Closing balance | (6,049) | (5,839)
Accumulated impairments | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (5,839) |
Closing balance | (6,049) | (5,839)
Accumulated impairments | IFRS-9 Eligible Financial Assets |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets that have been derecognised | 1,170 | 483
Accumulated impairments | Non-Credit Replacement Guarantees |  |
Disclosure of credit risk exposure [line items] |  |
Increase in loan loss provisions | 9 | (31)
Accumulated impairments | Modification gains and losses on restructured financial assets |  |
Disclosure of credit risk exposure [line items] |  |
Increase in loan loss provisions | 15 | 67
Accumulated impairments | Non-financial guarantees |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (151)
Accumulated impairments | Stage 1 | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (517) |
Closing balance | (409) | (517)
Accumulated impairments | Stage 2 | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (1,435) |
Closing balance | (1,130) | (1,435)
Accumulated impairments | Stage 3 | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (3,887) |
Closing balance | (4,509) | (3,887)
Loans | Gross carrying amount |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 1,025,043 | 967,655
Net remeasurement of loan loss provisions | 0 | 0
New financial assets originated or purchased | (212,516) | (195,775)
Financial assets that have been derecognised | (140,148) | (137,705)
Net drawdowns and repayments | (46,465) | (41,511)
Changes in models/risk parameters | 0 | 0
Write-offs3 | (1,017) | (790)
Disposals3 | (1,355) | (321)
Recoveries of amounts previously written off |  | 0
Foreign exchange and other movements | 0 | 0
Closing balance | 1,048,574 | 1,025,043
Loans | Gross carrying amount | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 41,939
Loans | Gross carrying amount | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 1,009,595
Loans | Gross carrying amount | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 0 | 0
Loans | Gross carrying amount | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 0 | 0
Loans | Gross carrying amount | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 0 | 0
Loans | Gross carrying amount | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 937,633 | 885,222
Net remeasurement of loan loss provisions | 0 | 0
New financial assets originated or purchased | (212,516) | (195,775)
Financial assets that have been derecognised | (126,858) | (121,991)
Net drawdowns and repayments | (41,763) | (38,758)
Changes in models/risk parameters | 0 | 0
Write-offs3 | 0 | (3)
Disposals3 | (935) | 0
Recoveries of amounts previously written off | 0 |
Foreign exchange and other movements | 0 | 0
Closing balance | 954,943 | 937,633
Loans | Gross carrying amount | Stage 1 | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 37,078
Loans | Gross carrying amount | Stage 1 | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 922,300
Loans | Gross carrying amount | Stage 1 | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (20,486) | (11,832)
Loans | Gross carrying amount | Stage 1 | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 43,155 | 29,470
Loans | Gross carrying amount | Stage 1 | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 2,980 | 2,053
Loans | Gross carrying amount | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 75,454 | 70,725
Net remeasurement of loan loss provisions | 0 | 0
New financial assets originated or purchased | 0 | 0
Financial assets that have been derecognised | (11,840) | (14,239)
Net drawdowns and repayments | (4,393) | (2,525)
Changes in models/risk parameters | 0 | 0
Write-offs3 | 0 |
Disposals3 | (141) | (38)
Recoveries of amounts previously written off | 0 |
Foreign exchange and other movements | 0 | 0
Closing balance | 79,888 | 75,454
Loans | Gross carrying amount | Stage 2 | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 4,704
Loans | Gross carrying amount | Stage 2 | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 75,429
Loans | Gross carrying amount | Stage 2 | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 20,236 | 11,583
Loans | Gross carrying amount | Stage 2 | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (43,900) | (30,185)
Increase (decrease) through net transfers, financial assets | 23,700 |
Decrease through net level three transfers, financial assets | 2,900 |
Loans | Gross carrying amount | Stage 2 | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 2,856 | 1,775
Loans | Gross carrying amount | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | 11,956 | 11,708
Net remeasurement of loan loss provisions | 0 | 0
New financial assets originated or purchased | 0 | 0
Financial assets that have been derecognised | (1,450) | (1,475)
Net drawdowns and repayments | (309) | (229)
Changes in models/risk parameters | 0 | 0
Write-offs3 | (1,017) | (787)
Disposals3 | (279) | (283)
Recoveries of amounts previously written off |  | 0
Foreign exchange and other movements | 0 | 0
Closing balance | 13,742 | 11,956
Loans | Gross carrying amount | Stage 3 | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 158
Loans | Gross carrying amount | Stage 3 | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | 11,866
Loans | Gross carrying amount | Stage 3 | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 249 | 249
Loans | Gross carrying amount | Stage 3 | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 745 | 716
Loans | Gross carrying amount | Stage 3 | Credit impaired |  |
Disclosure of credit risk exposure [line items] |  |
Decrease through derecognition and repayments financial assets | 1,800 |
Decrease through write-offs and disposals, financial assets | 1,300 |
Loans | Gross carrying amount | Stage 3 | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (5,836) | (3,828)
Loans | Accumulated impairments |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (5,839) | (6,101)
Net remeasurement of loan loss provisions | (133) | (183)
New financial assets originated or purchased | 192 | 204
Financial assets that have been derecognised | (485) | (552)
Changes in models/risk parameters | (20) | 102
Increase in loan loss provisions | 1,179 | 452
Write-offs3 | (1,017) | (790)
Disposals3 | (225) | (321)
Recoveries of amounts previously written off | 69 | 71
Foreign exchange and other movements | 203 | 231
Closing balance | (6,049) | (5,839)
Loans | Accumulated impairments | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (95)
Loans | Accumulated impairments | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (6,196)
Loans | Accumulated impairments | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (207) | (247)
Loans | Accumulated impairments | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 285 | 276
Loans | Accumulated impairments | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 1,548 | 853
Loans | Accumulated impairments | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (517) | (581)
Net remeasurement of loan loss provisions | (181) | (149)
New financial assets originated or purchased | 192 | 204
Financial assets that have been derecognised | (76) | (72)
Changes in models/risk parameters | 8 | 7
Increase in loan loss provisions | (102) | (58)
Write-offs3 | 0 | (3)
Disposals3 | (1) | 0
Recoveries of amounts previously written off | 0 |
Foreign exchange and other movements | (5) | (12)
Closing balance | (409) | (517)
Loans | Accumulated impairments | Stage 1 | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (9)
Loans | Accumulated impairments | Stage 1 | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (590)
Loans | Accumulated impairments | Stage 1 | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 22 | 28
Loans | Accumulated impairments | Stage 1 | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (49) | (67)
Loans | Accumulated impairments | Stage 1 | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (18) | (10)
Loans | Accumulated impairments | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (1,435) | (1,679)
Net remeasurement of loan loss provisions | (137) | (94)
New financial assets originated or purchased | 0 | 0
Financial assets that have been derecognised | (153) | (215)
Changes in models/risk parameters | (6) | 11
Increase in loan loss provisions | (297) | (203)
Write-offs3 | 0 | 0
Disposals3 | (8) | (38)
Recoveries of amounts previously written off | 0 |
Foreign exchange and other movements | 0 | (15)
Closing balance | (1,130) | (1,435)
Decrease due to sales and repayments, financial assets | 16,200 |
Loans | Accumulated impairments | Stage 2 | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (13)
Loans | Accumulated impairments | Stage 2 | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (1,692)
Loans | Accumulated impairments | Stage 2 | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (195) | (239)
Loans | Accumulated impairments | Stage 2 | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | 429 | 449
Loans | Accumulated impairments | Stage 2 | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (235) | (114)
Loans | Accumulated impairments | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January | (3,887) | (3,841)
Net remeasurement of loan loss provisions | 185 | 59
New financial assets originated or purchased | 0 | 0
Financial assets that have been derecognised | (257) | (266)
Changes in models/risk parameters | (22) | 84
Increase in loan loss provisions | 1,578 | 714
Write-offs3 | (1,017) | (787)
Disposals3 | (215) | (283)
Recoveries of amounts previously written off | 69 | 71
Foreign exchange and other movements | 208 | 257
Closing balance | (4,509) | (3,887)
Financial assets, increase in provisions | 600 |
Loans | Accumulated impairments | Stage 3 | Adjustment |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (73)
Loans | Accumulated impairments | Stage 3 | Adjusted balance |  |
Disclosure of credit risk exposure [line items] |  |
Opening balance as at 1 January |  | (3,914)
Loans | Accumulated impairments | Stage 3 | 12-month expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (34) | (36)
Loans | Accumulated impairments | Stage 3 | Not credit-impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | (96) | (105)
Loans | Accumulated impairments | Stage 3 | Credit impaired | Lifetime expected credit losses |  |
Disclosure of credit risk exposure [line items] |  |
Transfers and reclassifications | € 1,802 | € 978

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- 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 2024-01-01 -Paragraph 35I -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35I_c&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph IG20B -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_IG20B&doctype=Implementation%20Guidance -URIDate 2024-03-27 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35H&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition 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: Classes of financial instruments [domain]; Financial liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 25 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_25&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35H&doctype=Standard -URIDate 2024-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35M -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35M&doctype=Standard -URIDate 2024-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35N -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35N&doctype=Standard -URIDate 2024-03-27 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35I&doctype=Standard -URIDate 2024-03-27 + Details
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