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Net fee and commission income - Schedule of net fee and commission income (Details) - EUR (€)
€ in Millions
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Fee and commission income      
Payment Services € 2,219 € 2,062 € 1,888
Securities business 734 584 632
Insurance and other broking 594 529 682
Portfolio management 699 625 600
Lending business 650 602 556
Financial guarantees and other commitments 454 459 496
Other fee and commission income 255 248 232
Total fee and commission income 5,604 5,109 5,085
Fee and commission expense [abstract]      
Payment Services 756 704 600
Securities business 147 128 160
Distribution of products 475 480 555
Other fee and commission expenses 218 202 184
Total fee and commission expenses 1,596 1,514 1,499
Net fee and commission income € 4,008 € 3,595 € 3,586