Profit development – isolated (group) – Q3 2026

Profit development – isolated (group)

	Q3 26	Q2 26	Q1 26	Q4 25	Q3 25	Q2 25	Q1 25	Q4 24	Q3 24	Q2 24
Interest income and similar income	8,369	7,818	7,601	7,951	8,077	7,090	4,831	4,859	4,812	4,695
Interest expenses and similar expenses	5,706	5,289	4,960	5,209	5,317	4,725	3,298	3,273	3,238	3,159
Net interest and credit commission income	2,664	2,529	2,641	2,743	2,760	2,365	1,533	1,586	1,574	1,536
Commission income and income from banking services	603	629	524	619	549	529	344	355	312	305
Commission expenses and expenses relating to banking services	110	109	89	63	97	92	46	41	45	40
Net banking services	493	521	435	556	452	437	298	314	267	266
Income from ownership interests in associated companies	124	189	79	113	119	175	77	89	84	78
Net gain/(loss) on financial instruments	-3	96	94	37	32	228	63	-33	107	16
Other operating income	0	4	2	12	3	2	2	1	1	1
Net other operating income	615	810	610	717	606	842	439	371	459	360
Net operating income	3,279	3,339	3,251	3,460	3,366	3,207	1,972	1,957	2,032	1,896
Payroll and general administration expenses	859	865	834	880	815	726	455	417	351	377
Depreciation	112	109	113	110	107	85	50	49	46	43
Other operating expenses	73	79	89	165	67	79	42	87	37	39
Total operating expenses	1,044	1,053	1,036	1,156	990	890	547	553	435	459
Profit before impairment and tax	2,235	2,286	2,215	2,304	2,376	2,317	1,425	1,404	1,597	1,437
Impairment losses on loans and guarantees	97	33	103	49	73	180	10	16	12	25
Pre-tax profit	2,138	2,252	2,112	2,255	2,303	2,137	1,415	1,388	1,585	1,412
Tax	461	486	96	506	506	441	83	304	342	310
Profit for the period	1,677	1,766	2,016	1,750	1,796	1,696	1,332	1,084	1,243	1,102
AVERAGE TOTAL ASSETS (for the quarter)	601,928	588,302	579,589	575,496	568,710	494,611	341,998	333,639	326,850	320,523
PROFIT AS PERCENTAGE OF AVERAGE TOTAL ASSETS
Interest income and similar income	5.52	5.33	5.32	5.48	5.63	5.75	5.73	5.79	5.86	5.89
Interest expenses and similar expenses	3.82	3.66	3.53	3.65	3.77	3.89	3.96	3.95	3.99	4.01
Net interest and credit commission income	1.70	1.67	1.79	1.84	1.87	1.86	1.77	1.84	1.87	1.88
Commission income and income from banking services	0.40	0.43	0.37	0.43	0.38	0.43	0.41	0.42	0.38	0.38
Commission expenses and expenses relating to banking services	0.07	0.07	0.06	0.04	0.07	0.07	0.05	0.05	0.05	0.05
Net banking services	0.32	0.35	0.30	0.38	0.32	0.35	0.35	0.37	0.33	0.33
Income from ownership interests in associated companies	0.08	0.13	0.06	0.08	0.08	0.14	0.09	0.11	0.10	0.10
Net gain/(loss) on financial instruments	0.00	0.07	0.07	0.03	0.02	0.19	0.07	-0.04	0.13	0.02
Other operating income	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00
Net other operating income	0.41	0.55	0.43	0.49	0.42	0.68	0.52	0.44	0.56	0.45
Net operating income	2.10	2.22	2.22	2.33	2.29	2.54	2.29	2.28	2.42	2.33
Payroll and general administration expenses	0.57	0.59	0.58	0.61	0.57	0.59	0.54	0.50	0.43	0.47
Depreciation	0.07	0.07	0.08	0.08	0.07	0.07	0.06	0.06	0.06	0.05
Other operating expenses	0.05	0.05	0.06	0.11	0.05	0.06	0.05	0.10	0.05	0.05
Total operating expenses	0.69	0.72	0.73	0.80	0.69	0.72	0.65	0.66	0.53	0.58
Profit before impairment and tax	1.41	1.50	1.49	1.53	1.60	1.82	1.64	1.63	1.89	1.75
Impairment losses on loans and guarantees	0.06	0.02	0.07	0.03	0.05	0.15	0.01	0.02	0.02	0.03
Pre-tax profit	1.35	1.48	1.42	1.50	1.55	1.67	1.63	1.61	1.88	1.72
Tax	0.29	0.32	0.05	0.33	0.34	0.34	0.09	0.35	0.40	0.38
Profit for the period	1.05	1.15	1.35	1.15	1.20	1.32	1.54	1.24	1.46	1.33

Q3 2026Unaudited

Profit development – isolated (group)