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Intangible assets (Tables)
 12 Months Ended
Dec. 31, 2024
Disclosure of detailed information about intangible assets [abstract]  
Schedule of changes in intangible assets
Changes in intangible assets
GoodwillSoftwareOtherTotal
in EUR million20242023202420232024202320242023
Opening balance as at 1 January469  464  727  636  2  2  1,198  1,102  
Additions6    43  64  1    50  64  
Capitalised expenses324  246  324  246  
Amortisation-215  -213      -216  -213  
Impairments 1
    -12  -5      -12  -5  
Exchange rate differences1  5  8  2      9  7  
Disposals    -9  -10      -9  -10  
Changes in the composition of the group and other changes    -10  8    1  -10  8  
Closing balance476  469  855  727  3  2  1,334  1,198  
Gross carrying amount476  469  2,986  2,646  8  8  3,471  3,123  
Accumulated amortisation    -2,079  -1,876  -4  -4  -2,084  -1,879  
Accumulated impairments    -52  -43  -2  -2  -53  -45  
Net carrying value476  469  855  727  3  2  1,334  1,198  
1Impairments of intangible assets are presented within Other operating expenses in the statement of Profit or Loss.
Schedule of goodwill allocation to group of CGUs
Goodwill is allocated to groups of cash generating units (CGUs) as follows:
Goodwill allocation to group of CGUs
in EUR million
Method used for recoverable amount
Discount rateTerminal growth rateGoodwillGoodwill
Group of CGUs20242023
Retail NetherlandsValue in use7.81 %2.00 %30  30  
Retail GermanyValue in use7.77 %2.00 %356  349  
Retail PolandValue in use9.30 %2.50 %76  75  
Retail RomaniaValue in use11.45 %3.00 %15  15  
476  469