XML 177 R120.htm IDEA: XBRL DOCUMENT v3.25.0.1
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)