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Risk management - Sensitivity analysis (Details) - EUR (€) € in Millions | 6 Months Ended | 12 Months Ended
--- | --- | ---
Jun. 30, 2025 | Dec. 31, 2024
NETHERLANDS |  |
Market Risk [Line Items] |  |
Reportable ECL | € 382 | € 270
NETHERLANDS | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 275 | € 193
Probability weighting | 20.00% | 20.00%
NETHERLANDS | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 1.60% | 2.60%
2026 | 2.70% | 3.00%
2027 | 2.90% | 2.50%
NETHERLANDS | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 3.80% | 3.50%
2026 | 3.50% | 3.30%
2027 | 3.30% | 3.30%
NETHERLANDS | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 9.80% | 18.90%
2026 | 16.70% | 11.70%
2027 | 5.10% | 2.50%
NETHERLANDS | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 352 | € 249
Probability weighting | 60.00% | 60.00%
NETHERLANDS | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 1.20% | 1.50%
2026 | 1.10% | 1.40%
2027 | 1.50% | 1.50%
NETHERLANDS | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 4.00% | 4.00%
2026 | 4.20% | 4.10%
2027 | 4.20% | 4.30%
NETHERLANDS | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 7.20% | 9.10%
2026 | 3.80% | 3.50%
2027 | 3.00% | 2.40%
NETHERLANDS | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 581 | € 411
Probability weighting | 20.00% | 20.00%
NETHERLANDS | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 0.60% | (0.40%)
2026 | (1.60%) | (1.40%)
2027 | (0.90%) | (0.20%)
NETHERLANDS | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.00% | 5.70%
2026 | 6.60% | 7.20%
2027 | 7.80% | 8.10%
NETHERLANDS | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 3.50% | (3.70%)
2026 | (12.80%) | (7.20%)
2027 | 0.00% | 2.20%
GERMANY |  |
Market Risk [Line Items] |  |
Reportable ECL | € 621 | € 548
GERMANY | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 577 | € 510
Probability weighting | 20.00% | 20.00%
GERMANY | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 0.50% | 2.00%
2026 | 3.10% | 2.80%
2027 | 2.60% | 1.60%
GERMANY | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 3.30% | 2.90%
2026 | 2.70% | 2.40%
2027 | 2.20% | 2.00%
GERMANY | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 4.10% | 5.40%
2026 | 8.00% | 8.90%
2027 | 9.60% | 9.90%
GERMANY | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 612 | € 540
Probability weighting | 60.00% | 60.00%
GERMANY | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 0.00% | 0.50%
2026 | 1.20% | 1.10%
2027 | 1.50% | 1.20%
GERMANY | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 3.60% | 3.40%
2026 | 3.40% | 3.30%
2027 | 3.20% | 3.20%
GERMANY | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 2.90% | 2.60%
2026 | 4.40% | 5.60%
2027 | 6.40% | 6.30%
GERMANY | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 695 | € 609
Probability weighting | 20.00% | 20.00%
GERMANY | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | (0.70%) | (1.70%)
2026 | (2.10%) | (1.70%)
2027 | (0.40%) | 0.30%
GERMANY | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 4.20% | 4.70%
2026 | 5.30% | 5.60%
2027 | 5.70% | 5.90%
GERMANY | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 1.50% | (1.70%)
2026 | (0.40%) | 1.30%
2027 | 2.20% | 2.20%
BELGIUM |  |
Market Risk [Line Items] |  |
Reportable ECL | € 583 | € 579
BELGIUM | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 540 | € 534
Probability weighting | 20.00% | 20.00%
BELGIUM | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 1.20% | 2.20%
2026 | 2.40% | 2.60%
2027 | 2.30% | 2.10%
BELGIUM | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.40% | 5.10%
2026 | 5.20% | 5.00%
2027 | 5.10% | 4.90%
BELGIUM | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 4.10% | 4.80%
2026 | 4.80% | 4.50%
2027 | 4.40% | 4.40%
BELGIUM | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 572 | € 569
Probability weighting | 60.00% | 60.00%
BELGIUM | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 0.90% | 1.10%
2026 | 1.10% | 1.50%
2027 | 1.50% | 1.60%
BELGIUM | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.90% | 5.70%
2026 | 5.80% | 5.70%
2027 | 5.70% | 5.60%
BELGIUM | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 3.40% | 3.20%
2026 | 3.80% | 4.10%
2027 | 3.90% | 3.80%
BELGIUM | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 658 | € 654
Probability weighting | 20.00% | 20.00%
BELGIUM | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 0.30% | (0.60%)
2026 | (1.20%) | (0.20%)
2027 | 0.50% | 1.10%
BELGIUM | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 6.70% | 7.00%
2026 | 7.70% | 8.00%
2027 | 8.10% | 8.00%
BELGIUM | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 2.50% | 1.20%
2026 | 2.10% | 2.90%
2027 | 2.60% | 2.50%
UNITED STATES |  |
Market Risk [Line Items] |  |
Reportable ECL | € 126 | € 113
UNITED STATES | Upside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 82 | € 74
Probability weighting | 20.00% | 20.00%
UNITED STATES | Upside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 1.70% | 3.10%
2026 | 2.90% | 3.50%
2027 | 3.20% | 3.20%
UNITED STATES | Upside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 4.20% | 3.40%
2026 | 3.00% | 2.40%
2027 | 2.50% | 2.30%
UNITED STATES | Upside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 4.70% | 4.30%
2026 | 6.30% | 8.40%
2027 | 9.70% | 9.40%
UNITED STATES | Baseline scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 111 | € 101
Probability weighting | 60.00% | 60.00%
UNITED STATES | Baseline scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 1.40% | 2.00%
2026 | 1.50% | 2.00%
2027 | 2.00% | 2.00%
UNITED STATES | Baseline scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 4.50% | 4.20%
2026 | 4.30% | 4.10%
2027 | 4.30% | 4.00%
UNITED STATES | Baseline scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 4.30% | 3.30%
2026 | 3.60% | 3.70%
2027 | 4.40% | 3.90%
UNITED STATES | Downside scenario |  |
Market Risk [Line Items] |  |
Un-weighted ECL | € 213 | € 187
Probability weighting | 20.00% | 20.00%
UNITED STATES | Downside scenario | Real GDP |  |
Market Risk [Line Items] |  |
2025 | 0.70% | (0.10%)
2026 | (1.70%) | (1.10%)
2027 | (0.90%) | (0.40%)
UNITED STATES | Downside scenario | Unemployment |  |
Market Risk [Line Items] |  |
2025 | 5.30% | 5.90%
2026 | 6.90% | 7.30%
2027 | 7.90% | 8.00%
UNITED STATES | Downside scenario | HPI |  |
Market Risk [Line Items] |  |
2025 | 3.30% | (0.70%)
2026 | (2.60%) | (3.00%)
2027 | (2.70%) | (2.50%)

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