Net other operating income – Q3 2026

Note 5 Net other operating income

PARENT BANK										GROUP
2025	01.01- 30.09.25	01.01- 30.09.26	Q3 25	Q3 26		Q3 26	Q3 25	01.01- 30.09.26	01.01- 30.09.25	2025
79	57	56	20	17	Guarantee commissions	17	20	56	57	79
659	476	572	206	210	Fees from payment transfers	213	208	581	481	666
290	139	194	53	55	Income from insurance	63	59	219	149	307
152	107	138	39	48	Commission income from savings and investment products	48	39	138	107	152
	0	0	0	0	Commission income from asset management	53	36	156	95	135
	0	0	0	0	Real estate broking commission	160	148	467	401	534
328	292	101	-48	34	Commission income from group companies	0	0	0	0
158	112	94	31	34	Other commissions and fees	49	38	140	133	169
1,665	1,184	1,155	301	397	Commission income and income from banking services	603	549	1,756	1,423	2,041
180	147	149	56	58	Fees payment transfers	60	57	153	148	183
5	6	6	2	2	Expenses related to savings and investment products	2	2	6	6	5
48	29	45	9	19	Other commissions and fees	48	38	149	81	111
233	182	200	67	80	Commission expenses and expenses relating to banking services	110	97	308	235	298
	0							0	0
1,432	1,002	955	234	317	Net banking services	493	452	1,449	1,187	1,743
	0							0	0
1,338	106	89	0	13	Income from shareholdings in group companies and associated companies	124	119	393	370	483
42	18	37	1	0	Dividend	0	1	24	18	42
38	41	100	-2	26	Gain/(loss) on shares	26	-2	36	92	89
9	22	-67	-23	-105	Gain/(loss) on commercial papers and bonds¹⁾	-72	-29	-45	15	8
-1	-28	-10	-22	-8	Gain/(loss) on financial instruments, designated at fair value¹⁾	39	-7	51	50	152
141	121	133	34	39	Gain/(loss) related to positions to customers and trading	36	34	124	121	154
	0	0	0	0	Net gain/(loss) on financial instruments designated for hedge accounting	-15	35	16	34	-77
-3	-2	-3	0	-1	Other gain/(loss)	-17	0	-19	-8	-8
227	171	191	-11	-50	Net gain/(loss) on financial instruments	-3	32	187	323	360
17	6	4	5	0	Other operating income	0	3	6	7	19
17	6	4	5	0	Other operating income	0	3	6	7	19
3,014	1,286	1,239	227	281	Net other operating income	615	606	2,035	1,887	2,604
1) The value adjustment of derivatives used to manage interest and currency risk is distributed between the financial instruments they are managed together with.

Q3 2026Unaudited

Note 5 Net other operating income