XML 278 R221.htm IDEA: XBRL DOCUMENT v3.25.0.1
Segments - Summary of segments banking (Details) - EUR (€)
€ in Millions
 12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Disclosure of operating segments [line items]      
Net interest income € 15,288 € 16,162 € 14,593
Net fee and commission income 4,008 3,595 3,586
Share of results 205 149 92
Valuation results and net trading income 22 1,614 (1,732) 12,214
Total income 21,087 18,121 30,418
Regulatory costs 882 1,042 1,250
Addition to loan loss provisions 1,194 520 1,861
Total expenses 13,315 12,084 13,060
Result before tax 7,772 6,037 17,358
Taxation 2,181 1,662 5,130
Non-controlling interests 258 235 102
Net result 5,334 4,140 12,126
EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Taxation 470 1,308 (3,405)
Net result 1,058 3,147 (8,451)
Segments banking activities      
Disclosure of operating segments [line items]      
Net result 5,334 4,140 12,126
Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 15,023 15,976 13,756
Net fee and commission income 4,008 3,595 3,586
Total investment and other income 3,584 3,005 1,219
Share of results 170 144 (101)
Valuation results and net trading income 22 3,407 2,910 1,501
Total income 22,615 22,575 18,561
Operating expenses 12,121 11,564 11,199
Regulatory costs 882 1,042 1,250
Addition to loan loss provisions 1,194 520 1,861
Total expenses 13,315 12,084 13,060
Result before tax 9,300 10,492 5,502
Taxation 2,650 2,970 1,725
Non-controlling interests 258 235 102
Net result 6,392 7,287 3,674
Segments banking activities | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result (1,058) (3,147) 8,451
Retail Netherlands      
Disclosure of operating segments [line items]      
Non-controlling interests   0  
Retail Netherlands | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 2,070 2,121 1,474
Retail Netherlands | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 3,027 3,096 2,888
Net fee and commission income 1,049 959 892
Total investment and other income 835 945 417
Valuation results and net trading income 22 810 898 327
Total income 4,910 5,001 4,196
Operating expenses 2,124 2,135 2,115
Regulatory costs 114 212 250
Addition to loan loss provisions (8) 5 67
Total expenses 2,117 2,140 2,182
Result before tax 2,793 2,861 2,014
Taxation 723 740 540
Non-controlling interests 0   0
Net result 2,070 2,121 1,474
Retail Belgium      
Disclosure of operating segments [line items]      
Non-controlling interests   0  
Retail Belgium | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 597 479 151
Retail Belgium | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 1,959 2,063 1,668
Net fee and commission income 603 502 511
Total investment and other income 189 117 (32)
Share of results 81   1
Valuation results and net trading income 22 81 61 113
Total income 2,751 2,683 2,147
Operating expenses 1,811 1,852 1,786
Regulatory costs 206 211 244
Addition to loan loss provisions 134 169 139
Total expenses 1,944 2,022 1,924
Result before tax 807 661 223
Taxation 210 182 72
Non-controlling interests 0   0
Net result 597 479 151
Retail Germany | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 949 1,159 696
Retail Germany | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 2,647 2,862 1,666
Net fee and commission income 433 357 437
Total investment and other income (173) (67) 69
Valuation results and net trading income 22 (160) (57) 57
Total income 2,906 3,152 2,172
Operating expenses 1,303 1,243 1,140
Regulatory costs 88 96 93
Addition to loan loss provisions 149 119 131
Total expenses 1,452 1,362 1,271
Result before tax 1,455 1,790 901
Taxation 505 631 202
Non-controlling interests 1 0 3
Net result 949 1,159 696
Retail Other | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 1,002 908 525
Retail Other | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 3,817 3,437 2,725
Net fee and commission income 609 519 535
Total investment and other income 263 277 377
Share of results 8 7 5
Valuation results and net trading income 22 253 264 200
Total income 4,688 4,233 3,637
Operating expenses 2,792 2,479 2,509
Regulatory costs 261 252 369
Addition to loan loss provisions 291 313 302
Total expenses 3,083 2,792 2,812
Result before tax 1,605 1,441 825
Taxation 381 359 254
Non-controlling interests 221 174 47
Net result 1,002 908 525
Wholesale Banking | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax 2,796 3,836 1,991
Wholesale Banking | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result (1,058) (3,147) 8,451
Wholesale Banking | Segments banking activities      
Disclosure of operating segments [line items]      
Net result 1,010 (272) 9,810
Wholesale Banking | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 3,259 4,028 4,260
Net fee and commission income 1,317 1,259 1,217
Total investment and other income 2,405 1,771 849
Share of results (36) 31 18
Valuation results and net trading income 22 2,478 1,730 952
Total income 6,981 7,057 6,325
Operating expenses 3,558 3,313 3,114
Regulatory costs 212 271 293
Addition to loan loss provisions 627 (92) 1,220
Total expenses 4,185 3,222 4,334
Result before tax 2,796 3,836 1,991
Taxation 693 900 581
Non-controlling interests 35 61 52
Net result 2,068 2,875 1,358
Wholesale Banking | Segments banking activities | EU IAS 39 carve out impact      
Disclosure of operating segments [line items]      
Net result (1,058) (3,147) 8,451
Corporate Line      
Disclosure of operating segments [line items]      
Non-controlling interests   0  
Corporate Line | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Result before tax (156) (97) (453)
Corporate Line | Segments banking activities      
Disclosure of operating segments [line items]      
Net result (294) (255) (530)
Corporate Line | Segments banking activities | Net Results IFRS-EU      
Disclosure of operating segments [line items]      
Net interest income 315 489 550
Net fee and commission income (3) (1) (6)
Total investment and other income 66 (38) (460)
Share of results 118 107 (125)
Valuation results and net trading income 22 (55) 13 (148)
Total income 378 450 84
Operating expenses 533 542 535
Regulatory costs 1    
Addition to loan loss provisions 1 5 2
Total expenses 534 547 537
Result before tax (156) (97) (453)
Taxation 138 158 76
Non-controlling interests 0   1
Net result € (294) € (255) € (530)