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Risk management - Sensitivity analysis (Details) - EUR (€) € in Millions | 12 Months Ended
--- | ---
Dec. 31, 2024 | Dec. 31, 2023
Netherlands |  |
Market Risk [Line Items] |  |
Reportable ECL | € 270 | € 310
Netherlands | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 193 | € 214
Probability weighting | 20.00% | 20.00%
Netherlands | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 2.60% | 1.30%
2026 | 3.00% | 3.30%
2027 | 2.50% | 2.80%
Netherlands | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 3.50% | 3.70%
2026 | 3.30% | 3.30%
2027 | 3.30% | 3.30%
Netherlands | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 18.90% | 10.40%
2026 | 11.70% | 11.20%
2027 | 2.50% | 4.00%
Netherlands | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 249 | € 282
Probability weighting | 60.00% | 60.00%
Netherlands | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 1.50% | 0.80%
2026 | 1.40% | 1.60%
2027 | 1.50% | 1.50%
Netherlands | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 4.00% | 4.10%
2026 | 4.10% | 4.30%
2027 | 4.30% | 4.50%
Netherlands | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 9.10% | 0.90%
2026 | 3.50% | 3.00%
2027 | 2.40% | 3.90%
Netherlands | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 411 | € 487
Probability weighting | 20.00% | 20.00%
Netherlands | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | (0.40%) | (1.70%)
2026 | (1.40%) | (1.20%)
2027 | (0.20%) | 0.10%
Netherlands | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.70% | 5.90%
2026 | 7.20% | 7.20%
2027 | 8.10% | 8.10%
Netherlands | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | (3.70%) | (10.90%)
2026 | (7.20%) | (7.40%)
2027 | 2.20% | 3.70%
Germany |  |
Market Risk [Line Items] |  |
Reportable ECL | € 548 | € 525
Germany | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 510 | € 472
Probability weighting | 20.00% | 20.00%
Germany | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 2.00% | 1.40%
2026 | 2.80% | 3.10%
2027 | 1.60% | 1.60%
Germany | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 2.90% | 2.60%
2026 | 2.40% | 2.00%
2027 | 2.00% | 1.70%
Germany | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 5.40% | 0.90%
2026 | 8.90% | 6.60%
2027 | 9.90% | 8.00%
Germany | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 540 | € 513
Probability weighting | 60.00% | 60.00%
Germany | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 0.50% | 0.50%
2026 | 1.10% | 1.30%
2027 | 1.20% | 1.20%
Germany | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 3.40% | 3.00%
2026 | 3.30% | 3.00%
2027 | 3.20% | 3.00%
Germany | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 2.60% | (1.40%)
2026 | 5.60% | 3.40%
2027 | 6.30% | 4.50%
Germany | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 609 | € 615
Probability weighting | 20.00% | 20.00%
Germany | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | (1.70%) | (2.40%)
2026 | (1.70%) | (1.40%)
2027 | 0.30% | 0.30%
Germany | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 4.70% | 4.50%
2026 | 5.60% | 5.20%
2027 | 5.90% | 5.50%
Germany | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | (1.70%) | (6.00%)
2026 | 1.30% | (0.80%)
2027 | 2.20% | 0.40%
Belgium |  |
Market Risk [Line Items] |  |
Reportable ECL | € 579 | € 619
Belgium | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 534 | € 568
Probability weighting | 20.00% | 20.00%
Belgium | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 2.20% | 1.50%
2026 | 2.60% | 2.70%
2027 | 2.10% | 2.30%
Belgium | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.10% | 5.30%
2026 | 5.00% | 5.00%
2027 | 4.90% | 4.90%
Belgium | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 4.80% | 1.30%
2026 | 4.50% | 5.60%
2027 | 4.40% | 4.50%
Belgium | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 569 | € 604
Probability weighting | 60.00% | 60.00%
Belgium | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 1.10% | 0.90%
2026 | 1.50% | 1.50%
2027 | 1.60% | 1.80%
Belgium | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.70% | 5.60%
2026 | 5.70% | 5.50%
2027 | 5.60% | 5.40%
Belgium | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 3.20% | 0.40%
2026 | 4.10% | 5.20%
2027 | 3.80% | 3.90%
Belgium | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 654 | € 713
Probability weighting | 20.00% | 20.00%
Belgium | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | (0.60%) | (1.30%)
2026 | (0.20%) | (0.20%)
2027 | 1.10% | 1.20%
Belgium | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 7.00% | 7.30%
2026 | 8.00% | 8.00%
2027 | 8.00% | 7.90%
Belgium | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 1.20% | (2.20%)
2026 | 2.90% | 3.90%
2027 | 2.50% | 2.60%
USA |  |
Market Risk [Line Items] |  |
Reportable ECL | € 113 | € 165
USA | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 74 | € 102
Probability weighting | 20.00% | 20.00%
USA | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 3.10% | 1.80%
2026 | 3.50% | 3.20%
2027 | 3.20% | 3.40%
USA | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 3.40% | 4.10%
2026 | 2.40% | 3.30%
2027 | 2.30% | 3.10%
USA | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 4.30% | 0.60%
2026 | 8.40% | 8.70%
2027 | 9.40% | 8.70%
USA | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 101 | € 144
Probability weighting | 60.00% | 60.00%
USA | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 2.00% | 0.90%
2026 | 2.00% | 1.90%
2027 | 2.00% | 2.10%
USA | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 4.20% | 4.50%
2026 | 4.10% | 4.50%
2027 | 4.00% | 4.40%
USA | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 3.30% | (0.70%)
2026 | 3.70% | 3.50%
2027 | 3.90% | 3.30%
USA | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 187 | € 292
Probability weighting | 20.00% | 20.00%
USA | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | (0.10%) | (1.30%)
2026 | (1.10%) | (1.40%)
2027 | (0.40%) | (0.10%)
USA | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.90% | 6.60%
2026 | 7.30% | 8.20%
2027 | 8.00% | 8.80%
USA | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | (0.70%) | (4.20%)
2026 | (3.00%) | (2.70%)
2027 | (2.50%) | (3.00%)

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