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Condensed financial information of the parent company - Statement of changes in cash flows (Details) - EUR (€) € in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023 | Dec. 31, 2022
Cash flows from operating activities |  |  |  |
Result before taxation |  | € 7,772 | € 6,037 | € 17,358
Taxation paid |  | 2,754 | 2,700 | 1,474
– Net change in Loans and advances to/from banks, not available/payable on demand |  | (7,736) | 12,693 | (5,837)
– Other |  | (542) | 2,320 | (123)
Net cash flow from/(used in) operating activities |  | (22,544) | (11,340) | (11,112)
Cash flows from investing activities |  |  |  |
Net cash flow from/(used in) investing activities |  | (6,033) | (8,545) | (5,307)
Cash flows from financing activities |  |  |  |
Proceeds from debt securities1 | [1] | 124,701 | 116,436 | 92,707
Repayments of debt securities1 | [1] | (113,014) | (90,574) | (82,844)
Proceeds from issuance of subordinated loans |  | 4,603 | 2,225 | 983
Repayments of subordinated loans |  | (2,931) | (2,894) | (1,090)
Purchase/sale of treasury shares |  | (3,817) | (3,531) | (1,717)
Dividends paid |  | (3,879) | (2,967) | (3,093)
Other financing |  | 0 | 0 | 0
Net cash flow from/(used in) financing activities |  | 5,374 | 18,404 | 4,649
Net cash flow |  | (23,203) | (1,481) | (11,770)
Cash and cash equivalents at beginning of year |  | 93,012 | 95,391 | 107,665
Effect of exchange rate changes on cash and cash equivalents |  | (740) | (898) | (504)
Cash and cash equivalents at end of year |  | 69,069 | 93,012 | 95,391
Parent company |  |  |  |
Cash flows from operating activities |  |  |  |
Result before taxation |  | 273 | 167 | 7
– non-cash items in Result before tax |  | 232 | 221 | 213
Taxation paid |  | 0 | 0 | 16
– Net change in Loans and advances to/from banks, not available/payable on demand |  | (5,899) | (6,485) | (8,191)
– Other |  | (66) | 19 | (84)
Net cash flow from/(used in) operating activities |  | (5,461) | (6,079) | (8,040)
Cash flows from investing activities |  |  |  |
– dividends received from group companies |  | 4,986 | 10,269 | 6,277
– securities at amortised cost |  |  | 1,000 |
Net cash flow from/(used in) investing activities |  | 4,986 | 11,269 | 6,277
Cash flows from financing activities |  |  |  |
Proceeds from debt securities1 |  | 9,480 | 6,012 | 11,176
Repayments of debt securities1 |  | (3,695) | (4,591) | (4,302)
Proceeds from issuance of subordinated loans |  | 4,492 | 2,240 | 993
Repayments of subordinated loans |  | (2,944) | (2,132) | (1,090)
Purchase/sale of treasury shares |  | (3,817) | (3,524) | (1,721)
Dividends paid |  | (3,626) | (2,964) | (3,052)
Other financing |  |  |  |
Net cash flow from/(used in) financing activities |  | (109) | (4,959) | 2,004
Net cash flow |  | (583) | 231 | 241
Cash and cash equivalents at beginning of year |  | 614 | 383 | 142
Effect of exchange rate changes on cash and cash equivalents |  | 0 | 0 | 0
Cash and cash equivalents at end of year |  | € 31 | € 614 | € 383
[1] | Cash flows are reported on a gross basis and include investments and borrowings of short term securities

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- Definition The cash flows from (used in) investing activities, which are the acquisition and disposal of long-term assets and other investments not included in cash equivalents, from continuing and discontinued operations. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 10 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_10&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 50 -Subparagraph d -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_50_d&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The effect of exchange rate changes on cash and cash equivalents held or due in a foreign currency. [Refer: Cash and cash equivalents] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 25 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&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 IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 28 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_28&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash outflow for income taxes paid, classified as operating activities. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 35 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition Inflows (outflows) of cash, classified as financing activities, that the entity does not separately disclose in the same statement or note. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 21 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_21&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The cash inflow from the issuing of bonds, notes and debentures. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 7 -IssueDate 2024-01-01 -Paragraph 17 -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=7&code=ifrs-tx-2024-en-r&anchor=para_17&doctype=Standard -URIDate 2024-03-27 + Details
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