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Net interest income - Summary of net interest income (Details) - EUR (€)
€ in Millions
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Net interest income [abstract]      
Interest income on loans € 34,146 € 32,021 € 19,327
Interest income on debt securities at amortised cost 1,204 877 591
Interest income on financial assets at fair value through OCI 1,481 1,078 511
Interest income on non-trading derivatives (hedge accounting) 12,644 10,682 4,011
Total interest income using effective interest rate method 49,474 44,658 24,439
Interest income on financial assets at fair value through profit or loss 6,343 4,934 1,444
Interest income on non-trading derivatives (no hedge accounting) 3,168 2,637 2,390
Interest income other 173 171 100
Total other interest income 9,685 7,741 3,934
Total interest income 59,159 52,399 28,373
Interest expense on deposits 15,105 11,940 3,506
Interest expense on debt securities in issue 5,254 4,014 1,722
Interest expense on subordinated loans 753 708 648
Interest expense on non-trading derivatives (hedge accounting) 13,767 11,849 4,144
Total interest expense using effective interest rate method 34,878 28,510 10,019
Interest expense on financial liabilities at fair value through profit or loss 5,479 4,410 1,237
Interest expense on non-trading derivatives (no hedge accounting) 3,308 3,131 2,411
Interest expense on lease liabilities 27 28 15
Interest expense other 178 157 98
Total other interest expense 8,993 7,726 3,762
Total interest expense 43,871 36,237 13,780
Net interest income 20 15,288 16,162 14,593
Negative interest income on liabilities (7) (19) (887)
Negative interest expense on assets € 1 € 0 € 285