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Net interest income - Summary of net interest income (Details) - EUR (€) € in Millions | 6 Months Ended
--- | ---
Jun. 30, 2025 | Jun. 30, 2024
Net Interest Income [Abstract] |  |
Interest income on loans | € 15,730 | € 17,212
Interest income on debt securities at amortised cost | 656 | 579
Interest income on financial assets at fair value through OCI | 803 | 710
Interest income on non-trading derivatives (hedge accounting) | 4,889 | 6,564
Total interest income using effective interest rate method | 22,079 | 25,066
Interest income on financial assets at fair value through profit or loss | 2,652 | 3,211
Interest income on non-trading derivatives (no hedge accounting) | 1,078 | 1,602
Interest income other | 34 | 49
Total other interest income | 3,763 | 4,863
Total interest income | 25,842 | 29,929
Interest expense on deposits | 6,807 | 7,462
Interest expense on debt securities in issue | 2,562 | 2,573
Interest expense on subordinated loans | 394 | 353
Interest expense on non-trading derivatives (hedge accounting) | 5,528 | 7,127
Total interest expense using effective interest rate method | 15,291 | 17,515
Interest expense on financial liabilities at fair value through profit or loss | 2,166 | 2,843
Interest expense on non-trading derivatives (no hedge accounting) | 1,029 | 1,742
Interest expense on lease liabilities | 14 | 14
Interest expense other | 52 | 54
Total other interest expense | 3,261 | 4,651
Total interest expense | 18,552 | 22,166
Net interest income | 7,290 | 7,762
Negative interest income on liabilities | 4 | 5
Negative interest expense on assets | € 4 | € 0

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- Definition The amount of expense arising from interest. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 8 -IssueDate 2024-01-01 -Paragraph 28 -Subparagraph e -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2024-en-r&anchor=para_28_e&doctype=Standard -URIDate 2024-03-27 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 12 -IssueDate 2024-01-01 -Paragraph B13 -Subparagraph f -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=12&code=ifrs-tx-2024-en-r&anchor=para_B13_f&doctype=Appendix&subtype=B -URIDate 2024-03-27 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 8 -IssueDate 2024-01-01 -Paragraph 23 -Subparagraph d -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=8&code=ifrs-tx-2024-en-r&anchor=para_23_d&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest expense on debt instruments issued. [Refer: Interest expense; Debt instruments issued] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest expense on lease liabilities. [Refer: Lease liabilities] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 16 -IssueDate 2024-01-01 -Paragraph 53 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=16&code=ifrs-tx-2024-en-r&anchor=para_53_b&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest expense on other financial liabilities. [Refer: Interest expense; Other financial liabilities] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of revenue arising from interest for financial assets that are measured at amortised cost. [Refer: Interest income; Financial assets at amortised cost] + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Name IFRS -Number 7 -IssueDate 2024-01-01 -Paragraph 20 -Subparagraph b -URI https://taxonomy.ifrs.org/xifrs-link?type=IFRS&num=7&code=ifrs-tx-2024-en-r&anchor=para_20_b&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest income on financial assets designated at fair value through profit or loss. [Refer: Interest income; Financial assets at fair value through profit or loss, designated upon initial recognition or subsequently] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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- Definition The amount of interest income on other financial assets. [Refer: Interest income; Other financial assets] + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Name IAS -Number 1 -IssueDate 2024-01-01 -Paragraph 112 -Subparagraph c -URI https://taxonomy.ifrs.org/xifrs-link?type=IAS&num=1&code=ifrs-tx-2024-en-r&anchor=para_112_c&doctype=Standard -URIDate 2024-03-27 + Details
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