Net interest income (Tables)

6 Months Ended

Jun. 30, 2022

Net interest income [abstract]

Summary of net interest income

Net interest income

1 January to 30 June

1 January to 30 June

in EUR million

2022

2021

2022

2021

Interest income on loans

7,634

6,999

Interest expense on deposits from banks

110

71

Interest income on financial assets at fair value through OCI

184

189

Interest expense on customer deposits

673

479

Interest income on debt securities at amortised cost

248

223

Interest expense on debt securities in issue

652

621

Interest income on non-trading derivatives (hedge accounting)

1,631

1,131

Interest expense on subordinated loans

316

271

Negative interest on liabilities

758

770

Negative interest on assets

249

276

Total interest income using effective interest rate method

10,455

9,313

Interest expense on non-trading derivatives (hedge accounting)

1,551

817

Total interest expense using effective interest rate method

3,552

2,534

Interest income on financial assets at fair value through profit or loss

291

220

Interest income on non-trading derivatives (no hedge accounting)

1,045

1,140

Interest expense on financial liabilities at fair value through profit or loss

248

158

Interest income other 

11

8

Interest expense on non-trading derivatives (no hedge accounting)

880

934

Total other interest income

1,347

1,368

Interest expense on lease liabilities

7

7

Total interest income 

11,802

10,680

Interest expense other

33

26

Total other interest expense

1,168

1,125

Total interest expense

4,720

3,659

Net interest income

7,082

7,021