XML 114 R104.htm IDEA: XBRL DOCUMENT v3.22.2
Risk management - Changes in gross carrying amounts and loan loss provisions (Details) - EUR (€)
6 Months Ended 12 Months Ended
Jun. 30, 2022
Jun. 30, 2021
Dec. 31, 2021
Disclosure Of Credit Risk Exposure [Line Items]      
Increase in loan loss provisions € 1,189,000,000 € 131,000,000 € 516,000,000
Gross Carrying Amount [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 951,934,000,000    
Financial assets 999,968,000,000   951,934,000,000
Accumulated Impairment [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 5,368,000,000    
Financial assets 6,022,000,000   5,368,000,000
Loans [member] | Gross Carrying Amount [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 951,934,000,000 916,942,000,000 916,942,000,000
New financial assets originated or purchased 119,993,000,000   208,501,000,000
Financial assets that have been derecognised (82,777,000,000)   (139,652,000,000)
Net drawdowns and repayments 10,818,000,000   33,002,000,000
Write-offs     (854,000,000)
Financial assets 999,968,000,000   951,934,000,000
Loans [member] | Gross Carrying Amount [Member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 0   0
Loans [member] | Gross Carrying Amount [Member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 0   0
Loans [member] | Gross Carrying Amount [Member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 0   0
Loans [member] | Gross Carrying Amount [Member] | 12-month expected credit losses [member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 890,386,000,000    
New financial assets originated or purchased 119,993,000,000   208,501,000,000
Financial assets that have been derecognised 75,384,000,000   (125,819,000,000)
Net drawdowns and repayments 9,625,000,000   29,781,000,000
Financial assets 934,148,000,000   890,386,000,000
Loans [member] | Gross Carrying Amount [Member] | 12-month expected credit losses [member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 8,534,000,000   15,157,000,000
Loans [member] | Gross Carrying Amount [Member] | 12-month expected credit losses [member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (17,556,000,000)   (19,737,000,000)
Loans [member] | Gross Carrying Amount [Member] | 12-month expected credit losses [member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (1,451,000,000)   (2,166,000,000)
Loans [member] | Gross Carrying Amount [Member] | Credit impaired [member] | Lifetime expected credit losses [member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 12,072,000,000 13,398,000,000 13,398,000,000
Financial assets that have been derecognised 2,080,000,000   (1,898,000,000)
Net drawdowns and repayments 431,000,000   (694,000,000)
Write-offs     (854,000,000)
Financial assets 11,831,000,000   12,072,000,000
Loans [member] | Gross Carrying Amount [Member] | Credit impaired [member] | Lifetime expected credit losses [member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (275,000,000)   (835,000,000)
Loans [member] | Gross Carrying Amount [Member] | Credit impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (618,000,000)   (800,000,000)
Loans [member] | Gross Carrying Amount [Member] | Credit impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 2,302,000,000   3,755,000,000
Loans [member] | Gross Carrying Amount [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 49,476,000,000 59,313,000,000 59,313,000,000
Financial assets that have been derecognised 5,313,000,000   (11,935,000,000)
Net drawdowns and repayments 761,000,000   (2,527,000,000)
Financial assets 53,989,000,000   49,476,000,000
Loans [member] | Gross Carrying Amount [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (8,259,000,000)   (14,322,000,000)
Loans [member] | Gross Carrying Amount [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 18,174,000,000   20,537,000,000
Loans [member] | Gross Carrying Amount [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (851,000,000)   (1,589,000,000)
Loans [member] | Accumulated Impairment [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 5,368,000,000 5,854,000,000 5,854,000,000
Net remeasurement of loan loss provision 266,000,000   46,000,000
New financial assets originated or purchased 123,000,000   149,000,000
Financial assets that have been derecognised (220,000,000)   (414,000,000)
Changes in models/risk parameters     184,000,000
Increase in loan loss provisions 1,184,000,000   462,000,000
Write-offs (648,000,000)   (854,000,000)
Recoveries of amounts previously written off 28,000,000   45,000,000
Foreign exchange and other movements 90,000,000   (138,000,000)
Financial assets 6,022,000,000   5,368,000,000
Loans [member] | Accumulated Impairment [Member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (130,000,000)   (313,000,000)
Loans [member] | Accumulated Impairment [Member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 596,000,000   100,000,000
Loans [member] | Accumulated Impairment [Member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 549,000,000   712,000,000
Loans [member] | Accumulated Impairment [Member] | 12-month expected credit losses [member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 501,000,000    
Transfers and reclassifications (130,000,000)    
Net remeasurement of loan loss provision (39,000,000)   (130,000,000)
New financial assets originated or purchased 123,000,000   149,000,000
Financial assets that have been derecognised 34,000,000   (73,000,000)
Changes in models/risk parameters     12,000,000
Increase in loan loss provisions 1,000,000   (67,000,000)
Foreign exchange and other movements (5,000,000)   (13,000,000)
Financial assets 497,000,000   501,000,000
Loans [member] | Accumulated Impairment [Member] | 12-month expected credit losses [member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 13   20,000,000
Loans [member] | Accumulated Impairment [Member] | 12-month expected credit losses [member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (53)   (32,000,000)
Loans [member] | Accumulated Impairment [Member] | 12-month expected credit losses [member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (9)   (13,000,000)
Loans [member] | Accumulated Impairment [Member] | Credit impaired [member] | Lifetime expected credit losses [member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 3,851,000,000 3,797,000,000 3,797,000,000
Transfers and reclassifications 549,000,000    
Net remeasurement of loan loss provision 4,000,000   404,000,000
Financial assets that have been derecognised 137,000,000   (237,000,000)
Changes in models/risk parameters     130,000,000
Increase in loan loss provisions 379,000,000   989,000,000
Write-offs 648,000,000   (854,000,000)
Recoveries of amounts previously written off 28,000,000   45,000,000
Foreign exchange and other movements 30,000,000   (125,000,000)
Financial assets 3,640,000,000   3,851,000,000
Loans [member] | Accumulated Impairment [Member] | Credit impaired [member] | Lifetime expected credit losses [member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (28,000,000)   (54,000,000)
Loans [member] | Accumulated Impairment [Member] | Credit impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (71,000,000)   (75,000,000)
Loans [member] | Accumulated Impairment [Member] | Credit impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 611,000,000   820,000,000
Loans [member] | Accumulated Impairment [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Financial assets 1,016,000,000 € 1,476,000,000 1,476,000,000
Transfers and reclassifications 596,000,000    
Net remeasurement of loan loss provision 301,000,000   (228,000,000)
Financial assets that have been derecognised 49,000,000   (104,000,000)
Changes in models/risk parameters     41,000,000
Increase in loan loss provisions 804,000,000   (460,000,000)
Foreign exchange and other movements 65,000,000   1,000,000
Financial assets 1,885,000,000   1,016,000,000
Loans [member] | Accumulated Impairment [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member] | Transfer into 12-month ECL (Stage 1) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications (115,000,000)   (279,000,000)
Loans [member] | Accumulated Impairment [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL not credit impaired (Stage 2) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications 720,000,000   206,000,000
Loans [member] | Accumulated Impairment [Member] | Not credit-impaired [member] | Lifetime expected credit losses [member] | Transfer into lifetime ECL credit impaired (Stage 3) [Member]      
Disclosure Of Credit Risk Exposure [Line Items]      
Transfers and reclassifications € (53,000,000)   € (96,000,000)