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Net interest income | 6 Months Ended
--- | ---
Jun. 30, 2025
Net Interest Income [Abstract] |
Net interest income | 12 Net interest income
Net interest income
in EUR million | 30 June 2025 | 30 June 2024 |  |  | 30 June 2025 | 30 June 2024
Interest income on loans 1 | 15,730 |  | 17,212 |  |  | Interest expense on deposits 2 | 6,807 |  | 7,462 |
Interest income on debt securities at amortised cost | 656 |  | 579 |  |  | Interest expense on debt securities in issue | 2,562 |  | 2,573 |
Interest income on financial assets at fair value through OCI | 803 |  | 710 |  |  | Interest expense on subordinated loans | 394 |  | 353 |
Interest income on non-trading derivatives (hedge accounting) | 4,889 |  | 6,564 |  |  | Interest expense on non-trading derivatives (hedge accounting) | 5,528 |  | 7,127 |
Total interest income using effective interest rate method | 22,079 |  | 25,066 |  |  | Total interest expense using effective interest rate method | 15,291 |  | 17,515 |
Interest income on financial assets at fair value through profit or loss | 2,652 |  | 3,211 |  |  | Interest expense on financial liabilities at fair value through profit or loss | 2,166 |  | 2,843 |
Interest income on non-trading derivatives (no hedge accounting) | 1,078 |  | 1,602 |  |  | Interest expense on non-trading derivatives (no hedge accounting) | 1,029 |  | 1,742 |
Interest income other | 34 |  | 49 |  |  | Interest expense on lease liabilities | 14 |  | 14 |
Total other interest income | 3,763 |  | 4,863 |  |  | Interest expense other | 52 |  | 54 |
|  |  |  | Total other interest expense | 3,261 |  | 4,651 |
Total interest income | 25,842 |  | 29,929 |  |  | Total interest expense | 18,552 |  | 22,166 |
|  |  |  | Net interest income | 7,290 |  | 7,762 |
1 Includes interest income on loans to customers and banks, cash balances as well as negative interest on liabilities. Negative interest on liabilities amounted to EUR 4 million (2024: EUR 5 million). 2 Includes interest paid on deposits from customers and banks, and negative interest on assets. Negative interest on assets amounted to EUR 4 million (2024: EUR nil). Net interest income was affected by reversing the hedge accounting impacts that are applied under EU ‘IAS 39 carve-out’ with an impact of EUR 131 million (30 June 2024: EUR 107 million). The net decrease in Net interest income, without the IAS 39 carve out impact, is EUR 496 million.

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- Definition The disclosure of interest income and expense. [Refer: Interest income (expense)] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 10 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_10_e&doctype=Standard -URIDate 2024-03-27 + Details
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