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Fair value of assets and liabilities - Methods applied in determining fair values of financial assets and liabilities (carried at amortised cost) (Details) - EUR (€) € in Millions | Jun. 30, 2025 | Dec. 31, 2024
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Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Loans and advances to banks | € 50,080 | € 21,770
Loans and advances to customers | 693,285 | 683,611
Deposits from banks | 20,891 | 16,723
Customer deposits | 738,028 | 691,661
Debt securities in issue | 151,016 | 142,367
Subordinated loans | 16,566 | 17,878
Financial liabilities |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Deposits from banks | 20,687 | 16,499
Customer deposits | 738,021 | 691,287
Debt securities in issue | 151,613 | 142,905
Subordinated loans | 16,926 | 18,357
Financial liabilities | 927,248 | 869,048
Financial liabilities | Level 1 |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Deposits from banks |  |
Customer deposits |  |
Debt securities in issue | 78,330 | 79,254
Subordinated loans | 16,575 | 17,968
Financial liabilities | 94,906 | 97,221
Financial liabilities | Level 2 |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Deposits from banks | 9,828 | 8,208
Customer deposits | 82,524 | 61,916
Debt securities in issue | 71,301 | 61,651
Subordinated loans | 350 | 389
Financial liabilities | 164,003 | 132,164
Financial liabilities | Level 3 |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Deposits from banks | 3,894 | 3,943
Customer deposits | 43,890 | 46,984
Debt securities in issue | 1,982 | 2,000
Subordinated loans |  |
Financial liabilities | 49,766 | 52,927
Financial liabilities | Carrying Amount |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Deposits from banks | 20,891 | 16,723
Customer deposits | 738,028 | 691,661
Debt securities in issue | 151,016 | 142,367
Subordinated loans | 16,566 | 17,878
Financial liabilities | 926,501 | 868,630
Financial liabilities | Carrying amount presented as fair value |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Deposits from banks | 6,966 | 4,348
Customer deposits | 611,607 | 582,387
Debt securities in issue |  |
Subordinated loans |  |
Financial liabilities | 618,573 | 586,735
Financial Assets |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Loans and advances to banks | 50,044 | 21,766
Loans and advances to customers | 677,357 | 667,410
Securities at amortised cost | 52,349 | 48,303
Financial assets | 779,750 | 737,479
Financial Assets | Level 1 |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Loans and advances to banks |  |
Loans and advances to customers |  |
Securities at amortised cost | 44,609 | 42,871
Financial assets | 44,609 | 42,871
Financial Assets | Level 2 |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Loans and advances to banks | 42,891 | 15,614
Loans and advances to customers | 12,328 | 18,626
Securities at amortised cost | 4,803 | 2,908
Financial assets | 60,022 | 37,149
Financial Assets | Level 3 |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Loans and advances to banks | 3,206 | 2,957
Loans and advances to customers | 644,638 | 630,493
Securities at amortised cost | 2,938 | 2,523
Financial assets | 650,782 | 635,973
Financial Assets | Carrying Amount |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Loans and advances to banks | 50,080 | 21,770
Loans and advances to customers | 693,285 | 683,611
Securities at amortised cost | 53,805 | 50,273
Financial assets | 797,169 | 755,655
Financial Assets | Carrying amount presented as fair value |  |
Disclosure of fair value measurement of assets and liabilities [Line Items] |  |
Loans and advances to banks | 3,947 | 3,195
Loans and advances to customers | 20,391 | 18,291
Securities at amortised cost |  |
Financial assets | € 24,338 | € 21,486

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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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- Definition The amount of liabilities that are: (a) a contractual obligation: (i) to deliver cash or another financial asset to another entity; or (ii) to exchange financial assets or financial liabilities with another entity under conditions that are potentially unfavourable to the entity; or (b) 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 deliver 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, rights, options or warrants to acquire a fixed number of the entity’s own equity instruments for a fixed amount of any currency are equity instruments if the entity offers the rights, options or warrants pro rata to all of its existing owners of the same class of its own non-derivative equity instruments. Also, for those purposes the entity’s own equity instruments do not include puttable financial instruments that are 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. As an exception, an instrument that meets the definition of a financial liability is classified as an equity instrument if it has all the features and meets the conditions in paragraphs 16A-16B or paragraphs 16C-16D of IAS 32. [Refer: Classes of financial instruments [domain]; Financial assets; Derivatives [member]] + 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 + Details
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