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Offsetting financial assets and liabilities - Summary of financial liabilities subject to offsetting, enforceable master netting arrangements and similar agreements (Details) - EUR (€) € in Millions | Dec. 31, 2024 | Dec. 31, 2023
--- | --- | ---
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | € 429,373 | € 435,137
Gross amounts of recognised financial assets offset in the statement of financial position | (358,608) | (359,124)
Net amounts of financial liabilities presented in the statement of financial position | 70,765 | 76,013
Financial instruments | 17,962 | 15,165
Cash and financial instruments pledged as collateral | 34,447 | 45,108
Net amount | 18,357 | 15,740
Amounts not subject to enforceable netting arrangements | 18,283 | 22,892
Statement of financial position total | 89,049 | 98,905
Deposits from banks | 16,723 | 23,257
Customer deposits | 691,661 | 650,276
Miscellaneous other liabilities | 12,369 | 13,667
Deposits from banks |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 126 | 319
Gross amounts of recognised financial assets offset in the statement of financial position | (93) | (319)
Net amounts of financial liabilities presented in the statement of financial position | 33 |
Financial instruments |  |
Cash and financial instruments pledged as collateral | 33 |
Net amount |  |
Amounts not subject to enforceable netting arrangements |  | 2,064
Statement of financial position total | 33 | 2,064
Deposits from banks | Repurchase, securities lending and similar agreements |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 64 | 29
Gross amounts of recognised financial assets offset in the statement of financial position | (31) | (29)
Net amounts of financial liabilities presented in the statement of financial position | 33 |
Financial instruments |  |
Cash and financial instruments pledged as collateral | 33 |
Net amount |  |
Amounts not subject to enforceable netting arrangements |  | 2,064
Statement of financial position total | 33 | 2,064
Deposits from banks | Other |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 62 | 290
Gross amounts of recognised financial assets offset in the statement of financial position | (62) | (290)
Net amounts of financial liabilities presented in the statement of financial position |  |
Financial instruments |  |
Cash and financial instruments pledged as collateral |  |
Net amount |  |
Amounts not subject to enforceable netting arrangements |  |
Statement of financial position total |  |
Deposits from banks | Cash pools |  |
Disclosure of credit risk exposure [line items] |  |
Deposits from banks | 16,690 | 21,193
Deposits from banks excluding repurchase agreements subject to offsetting | 0 |
Deposits from customers, excluding repurchase agreements subject to offsetting |  | 0
Customer deposits |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 252,868 | 249,734
Gross amounts of recognised financial assets offset in the statement of financial position | (236,052) | (234,617)
Net amounts of financial liabilities presented in the statement of financial position | 16,817 | 15,116
Financial instruments | 21 | 13
Cash and financial instruments pledged as collateral |  |
Net amount | 16,796 | 15,103
Amounts not subject to enforceable netting arrangements | 1 |
Statement of financial position total | 16,818 | 15,116
Customer deposits | Repurchase, securities lending and similar agreements |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 1,214 |
Gross amounts of recognised financial assets offset in the statement of financial position | (1,214) |
Net amounts of financial liabilities presented in the statement of financial position |  |
Financial instruments |  |
Cash and financial instruments pledged as collateral |  |
Net amount |  |
Amounts not subject to enforceable netting arrangements | 1 |
Statement of financial position total | 1 |
Customer deposits | Cash pools |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 251,655 | 249,734
Gross amounts of recognised financial assets offset in the statement of financial position | (234,838) | (234,617)
Net amounts of financial liabilities presented in the statement of financial position | 16,817 | 15,116
Financial instruments | 21 | 13
Cash and financial instruments pledged as collateral |  |
Net amount | 16,796 | 15,103
Amounts not subject to enforceable netting arrangements |  |
Statement of financial position total | 16,817 | 15,116
Customer deposits | 691,661 | 650,179
Deposits from customers, excluding repurchase agreements subject to offsetting | 16,817 | 15,116
Financial liabilities at fair value through profit or loss | Trading and Non-trading |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 170,769 | 177,799
Gross amounts of recognised financial assets offset in the statement of financial position | (117,095) | (117,415)
Net amounts of financial liabilities presented in the statement of financial position | 53,674 | 60,384
Financial instruments | 17,858 | 15,117
Cash and financial instruments pledged as collateral | 34,414 | 45,108
Net amount | 1,402 | 160
Amounts not subject to enforceable netting arrangements | 18,282 | 20,829
Statement of financial position total | 71,956 | 81,213
Financial liabilities at fair value through profit or loss | Repurchase, securities lending and similar agreements | Trading and Non-trading |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 81,384 | 76,581
Gross amounts of recognised financial assets offset in the statement of financial position | (49,365) | (34,738)
Net amounts of financial liabilities presented in the statement of financial position | 32,019 | 41,844
Financial instruments | 219 | 235
Cash and financial instruments pledged as collateral | 31,669 | 41,653
Net amount | 130 | (44)
Amounts not subject to enforceable netting arrangements | 11,670 | 14,222
Statement of financial position total | 43,689 | 56,065
Financial liabilities at fair value through profit or loss | Derivatives 3 | Trading and Non-trading |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 89,386 | 101,218
Gross amounts of recognised financial assets offset in the statement of financial position | (67,731) | (82,677)
Net amounts of financial liabilities presented in the statement of financial position | 21,655 | 18,541
Financial instruments | 17,639 | 14,881
Cash and financial instruments pledged as collateral | 2,745 | 3,455
Net amount | 1,272 | 204
Amounts not subject to enforceable netting arrangements | 6,612 | 6,607
Statement of financial position total | 28,267 | 25,148
Other items where offsetting is applied in the statement of financial position |  |
Disclosure of credit risk exposure [line items] |  |
Gross amounts of recognised financial liabilities | 5,609 | 7,285
Gross amounts of recognised financial assets offset in the statement of financial position | (5,368) | (6,773)
Net amounts of financial liabilities presented in the statement of financial position | 242 | 512
Financial instruments | 83 | 35
Cash and financial instruments pledged as collateral |  |
Net amount | 159 | 477
Amounts not subject to enforceable netting arrangements |  |
Statement of financial position total | 242 | 512
Miscellaneous other liabilities | 4,290 | 6,509
Other liabilities - amounts to be settled subject to offsetting | € 242 | € 512

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