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Pensions and other post-employment benefits (Tables)
 12 Months Ended
Dec. 31, 2024
Disclosure of net defined benefit liability (asset) [abstract]  
Summary of information on plan assets and defined benefit obligation per country
Plan assets and defined benefit obligation per country
Plan assetsDefined benefit obligationFunded Status
in EUR million202420232024202320242023
The Netherlands325  331  415  426  -90  -95  
United States250  257  235  245  15  12  
United Kingdom1,206  1,257  751  790  455  467  
Belgium513  516  450  473  63  43  
Other countries341  317  368  353  -26  -37  
Funded status (Net defined benefit asset/liability)2,636  2,678  2,219  2,288  416  390  
Presented as:
- Other assets568  554  
- Other liabilities-152  -164  
416  390  
Schedule of changes in fair value of plan assets
Changes in the fair value of plan assets for the period were as follows:
Changes in fair value of plan assets
in EUR million20242023
Opening balance as at 1 January2,678  2,637  
Interest income106  115  
Remeasurements: Return on plan assets excluding amounts included in interest income-118  -8  
Employer's contribution23  28  
Participants contributions4  4  
Benefits paid-128  -119  
Effect of curtailment or settlement-8  0  
Exchange rate differences79  22  
Closing balance2,636  2,678  
Actual return on the plan assets-12  107  
Schedule of changes in present value of defined benefit obligation and other post-employment benefits
Changes in the present value of the defined benefit obligation and other post-employment benefits for the period were as follows:
Changes in defined benefit obligation and other post-employment benefits
Defined benefit obligationOther post-employment benefits
in EUR million2024202320242023
Opening balance as at 1 January2,288  2,159  30  29  
Current service cost28  27  1  1  
Interest cost87  92  3  2  
Remeasurements: Actuarial gains and losses arising from changes in demographic assumptions-3  -9  
Remeasurements: Actuarial gains and losses arising from changes in financial assumptions-94  127  5  1  
Participants’ contributions3  3      
Benefits paid-132  -123  -1  -1  
Past service cost1  1      
Effect of curtailment or settlement-9        
Exchange rate differences and other changes51  12  1  -2  
Closing balance2,219  2,288  38  30  
Summary of changes in the net defined benefit assets/liability remeasurement reserve
Amounts recognised directly in Other comprehensive income were as follows:
Changes in the net defined benefit assets/liability remeasurement reserve
in EUR million20242023
Opening balance as at 1 January-317  -232  
Remeasurement of plan assets-118  -8  
Actuarial gains and losses arising from changes in demographic assumptions3  9  
Actuarial gains and losses arising from changes in financial assumptions94  -127  
Taxation and Exchange rate differences5  40  
Total Other comprehensive income movement for the year-16  -85  
Closing balance-333  -317  
Summary of pension and other staff-related benefit costs
Pension and other staff-related benefit costs
Net defined benefit asset/liabilityOther post-employment benefitsTotal
in EUR million202420232022202420232022202420232022
Current service cost28  27  33  1  1  1  29  28  34  
Past service cost1  1        -1  1  1    
Net Interest cost-19  -23  -8  3  2  1  -16  -21  -6  
Effect of curtailment or settlement-1      -1      
Defined benefit plans9  5  26  4  3  2  13  8  27  
Defined contribution plans423 391 364 
Pension and other post-employment benefits435 399 392 
Other staff-related benefits20 19 -2 
Pension and other staff-related benefits455 418 390