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Risk management - Gross carrying amount per IFRS 9 stage and rating class (Details) - EUR (€) € in Millions | Jun. 30, 2025 | Dec. 31, 2024
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Gross carrying amount | Purchased credit impaired | Stage 3: Lifetime Expected Credit Losses |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | € (21) | € (21)
Gross carrying amount | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 1,093,934 | 1,048,574
Gross carrying amount | IFRS 9 | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 1,003,405 | 954,943
Gross carrying amount | IFRS 9 | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 77,596 | 79,888
Gross carrying amount | IFRS 9 | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 12,932 | 13,742
Gross carrying amount | IFRS 9 | 1 (AAA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 89,379 | 79,357
Gross carrying amount | IFRS 9 | 1 (AAA) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 89,188 | 79,076
Gross carrying amount | IFRS 9 | 1 (AAA) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 191 | 281
Gross carrying amount | IFRS 9 | 2-4 (AA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 147,043 | 142,250
Gross carrying amount | IFRS 9 | 2-4 (AA) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 145,150 | 140,671
Gross carrying amount | IFRS 9 | 2-4 (AA) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 1,894 | 1,579
Gross carrying amount | IFRS 9 | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 271,586 | 251,149
Gross carrying amount | IFRS 9 | 5-7 (A) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 265,263 | 244,241
Gross carrying amount | IFRS 9 | 5-7 (A) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 6,323 | 6,908
Gross carrying amount | IFRS 9 | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 337,865 | 335,008
Gross carrying amount | IFRS 9 | 8-10 (BBB) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 317,743 | 310,324
Gross carrying amount | IFRS 9 | 8-10 (BBB) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 20,122 | 24,683
Gross carrying amount | IFRS 9 | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 177,828 | 172,827
Gross carrying amount | IFRS 9 | 11-13 (BB) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 159,671 | 154,348
Gross carrying amount | IFRS 9 | 11-13 (BB) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 18,158 | 18,479
Gross carrying amount | IFRS 9 | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 45,294 | 42,811
Gross carrying amount | IFRS 9 | 14-16 (B) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 25,725 | 25,377
Gross carrying amount | IFRS 9 | 14-16 (B) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 19,569 | 17,433
Gross carrying amount | IFRS 9 | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 5,304 | 4,897
Gross carrying amount | IFRS 9 | 17 (CCC) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 666 | 905
Gross carrying amount | IFRS 9 | 17 (CCC) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 4,637 | 3,992
Gross carrying amount | IFRS 9 | 18 (CC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 4,471 | 4,060
Gross carrying amount | IFRS 9 | 18 (CC) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 4,471 | 4,059
Gross carrying amount | IFRS 9 | 19 (C) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 2,232 | 2,474
Gross carrying amount | IFRS 9 | 19 (C) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 2,232 | 2,474
Gross carrying amount | IFRS 9 | 20-22 (D) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 12,932 | 13,742
Gross carrying amount | IFRS 9 | 20-22 (D) | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | 12,932 | 13,742
Provisions |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (5,945) | (6,049)
Provisions | IFRS 9 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (5,945) | (6,049)
Provisions | IFRS 9 | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (439) | (409)
Provisions | IFRS 9 | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (1,247) | (1,130)
Provisions | IFRS 9 | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (4,259) | (4,509)
Provisions | IFRS 9 | 1 (AAA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (1) | (1)
Provisions | IFRS 9 | 1 (AAA) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (1) | (1)
Provisions | IFRS 9 | 2-4 (AA) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (13) | (11)
Provisions | IFRS 9 | 2-4 (AA) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (12) | (10)
Provisions | IFRS 9 | 2-4 (AA) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (1) | (1)
Provisions | IFRS 9 | 5-7 (A) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (34) | (29)
Provisions | IFRS 9 | 5-7 (A) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (27) | (22)
Provisions | IFRS 9 | 5-7 (A) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (8) | (8)
Provisions | IFRS 9 | 8-10 (BBB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (113) | (110)
Provisions | IFRS 9 | 8-10 (BBB) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (66) | (55)
Provisions | IFRS 9 | 8-10 (BBB) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (47) | (55)
Provisions | IFRS 9 | 11-13 (BB) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (297) | (281)
Provisions | IFRS 9 | 11-13 (BB) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (197) | (190)
Provisions | IFRS 9 | 11-13 (BB) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (100) | (91)
Provisions | IFRS 9 | 14-16 (B) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (527) | (490)
Provisions | IFRS 9 | 14-16 (B) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (128) | (124)
Provisions | IFRS 9 | 14-16 (B) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (399) | (366)
Provisions | IFRS 9 | 17 (CCC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (222) | (181)
Provisions | IFRS 9 | 17 (CCC) | Stage 1 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (8) | (8)
Provisions | IFRS 9 | 17 (CCC) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (214) | (173)
Provisions | IFRS 9 | 18 (CC) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (268) | (233)
Provisions | IFRS 9 | 18 (CC) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (268) | (233)
Provisions | IFRS 9 | 19 (C) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (210) | (203)
Provisions | IFRS 9 | 19 (C) | Stage 2 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (210) | (203)
Provisions | IFRS 9 | 20-22 (D) |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | (4,259) | (4,509)
Provisions | IFRS 9 | 20-22 (D) | Stage 3 |  |
Disclosure of credit risk exposure [line items] |  |
Financial assets | € (4,259) | € (4,509)

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- Definition The amount of assets that are: (a) cash; (b) an equity instrument of another entity; (c) a contractual right: (i) to receive cash or another financial asset from another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially favourable to the entity; or (d) a contract that will, or may be, settled in the entity’s own equity instruments and is: (i) a non-derivative for which the entity is, or may be, obliged to receive a variable number of the entity’s own equity instruments; or (ii) a derivative that will, or may be, settled other than by the exchange of a fixed amount of cash or another financial asset for a fixed number of the entity’s own equity instruments. For this purpose the entity’s own equity instruments do not include puttable financial instruments classified as equity instruments in accordance with paragraphs 16A-16B of IAS 32, instruments that impose on the entity an obligation to deliver to another party a pro rata share of the net assets of the entity only on liquidation and are classified as equity instruments in accordance with paragraphs 16C-16D of IAS 32, or instruments that are contracts for the future receipt or delivery of the entity’s own equity instruments. [Refer: Classes of financial instruments [domain]; Financial liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 25 -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&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 IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35H -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35H&doctype=Standard -URIDate 2024-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35M -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35M&doctype=Standard -URIDate 2024-03-27 Reference 4: http://www.xbrl.org/2003/role/exampleRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35N -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35N&doctype=Standard -URIDate 2024-03-27 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 35I -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_35I&doctype=Standard -URIDate 2024-03-27 + Details
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