Profit development – year-to-date (group) – Q3 2026

Profit development – year-to-date (group)

	30.09.26	30.06.26	31.03.26	31.12.25	30.09.25	30.06.25	31.03.25	31.12.24	30.09.24	30.06.24
Interest income and similar income	23,789	15,419	7,601	27,949	19,997	11,920	4,831	18,874	14,015	9,203
Interest expenses and similar expenses	15,955	10,250	4,960	18,548	13,340	8,022	3,298	12,715	9,442	6,204
Net interest and credit commission income	7,833	5,170	2,641	9,400	6,658	3,898	1,533	6,159	4,573	2,999
Commission income and income from banking services	1,756	1,153	524	2,041	1,423	873	344	1,229	874	562
Commission expenses and expenses relating to banking services	308	197	89	298	235	138	46	164	123	78
Net banking services	1,449	956	435	1,743	1,187	735	298	1,065	751	484
Income from ownership interests in associated companies	393	269	79	483	370	251	77	287	199	114
Net gain/(loss) on financial instruments	187	190	94	360	323	291	63	114	147	40
Other operating income	6	6	2	19	7	4	2	2	2	1
Net other operating income	2,035	1,420	610	2,604	1,887	1,281	439	1,469	1,098	640
Net operating income	9,868	6,590	3,251	12,004	8,544	5,179	1,972	7,628	5,671	3,638
Payroll and general administration expenses	2,558	1,699	834	2,876	1,996	1,180	455	1,508	1,091	739
Depreciation	334	222	113	353	243	135	50	178	130	83
Other operating expenses	241	168	89	354	188	121	42	204	117	80
Total operating expenses	3,133	2,090	1,036	3,582	2,427	1,437	547	1,890	1,338	903
Profit before impairment and tax	6,735	4,500	2,215	8,422	6,118	3,742	1,425	5,738	4,333	2,736
Impairment losses on loans and guarantees	233	136	103	312	263	190	10	97	81	68
Pre-tax profit	6,502	4,364	2,112	8,110	5,854	3,552	1,415	5,641	4,253	2,668
Tax	1,042	581	96	1,536	1,030	524	83	988	684	342
Profit for the period	5,460	3,783	2,016	6,574	4,824	3,028	1,332	4,652	3,568	2,326
AVERAGE TOTAL ASSETS	590,758	586,106	579,589	489,016	459,872	413,717	341,998	323,649	320,078	316,598
PROFIT AS PERCENTAGE OF AVERAGE TOTAL ASSETS
Interest income and similar income	5.38	5.31	5.32	5.72	5.81	5.81	5.73	5.83	5.85	5.85
Interest expenses and similar expenses	3.67	3.58	3.53	3.85	3.94	3.97	3.96	3.98	3.99	3.96
Net interest and credit commission income	1.71	1.72	1.79	1.87	1.88	1.84	1.77	1.85	1.86	1.86
Commission income and income from banking services	0.40	0.40	0.37	0.42	0.41	0.43	0.41	0.38	0.36	0.36
Commission expenses and expenses relating to banking services	0.07	0.07	0.06	0.06	0.07	0.07	0.05	0.05	0.05	0.05
Net banking services	0.33	0.33	0.30	0.36	0.35	0.36	0.35	0.33	0.31	0.31
Income from ownership interests in associated companies	0.09	0.09	0.06	0.10	0.11	0.12	0.09	0.09	0.08	0.07
Net gain/(loss) on financial instruments	0.04	0.07	0.07	0.07	0.09	0.14	0.07	0.04	0.06	0.03
Other operating income	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net other operating income	0.46	0.49	0.43	0.53	0.55	0.62	0.52	0.45	0.46	0.41
Net operating income	2.17	2.21	2.22	2.40	2.43	2.46	2.29	2.31	2.32	2.26
Payroll and general administration expenses	0.58	0.58	0.58	0.59	0.58	0.58	0.54	0.47	0.46	0.47
Depreciation	0.08	0.08	0.08	0.07	0.07	0.07	0.06	0.06	0.05	0.05
Other operating expenses	0.05	0.06	0.06	0.07	0.05	0.06	0.05	0.06	0.05	0.05
Total operating expenses	0.71	0.72	0.73	0.73	0.71	0.70	0.65	0.58	0.56	0.57
Profit before impairment and tax	1.47	1.49	1.49	1.67	1.72	1.77	1.64	1.72	1.76	1.69
Impairment losses on loans and guarantees	0.05	0.05	0.07	0.06	0.08	0.09	0.01	0.03	0.03	0.04
Pre-tax profit	1.41	1.44	1.42	1.60	1.64	1.67	1.63	1.69	1.73	1.65
Tax	0.22	0.19	0.05	0.30	0.29	0.24	0.09	0.29	0.27	0.20
Profit for the period	1.19	1.26	1.37	1.30	1.36	1.43	1.54	1.40	1.45	1.44

Q3 2026Unaudited

Profit development – year-to-date (group)