Balance sheet development (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
Assets
Cash and receivables from central banks	508	555	739	86	756	64	443	483	364	540
Loans to and receivables from credit institutions	16,473	17,012	8,027	5,412	4,240	14,736	3,796	2,631	111	1,175
Loans to and receivables from customers	511,242	503,026	492,400	485,743	472,456	461,454	289,103	282,289	276,303	272,024
Shares, units and other equity instruments	479	528	523	501	509	513	375	354	768	654
Commercial papers and bonds	61,263	61,102	59,933	69,915	70,965	70,515	41,066	39,563	38,976	38,860
Financial derivatives	2,251	4,381	3,518	8,272	8,785	9,344	3,872	6,320	6,165	4,629
Shareholdings in associated companies	3,291	3,180	3,050	2,971	2,859	2,740	3,486	3,409	3,320	3,003
Deferred tax assets	0	0	0	0	0	0	374	143	348	205
Pension funds	161	161	161	161	148	148	148	148	123	123
Other intangible assets	6,050	6,099	6,146	6,208	6,096	6,151	553	565	238	247
Tangible fixed assets	1,331	1,340	1,353	1,349	1,281	1,262	668	624	628	650
Prepaid expenses	288	334	257	305	338	256	126	69	56	102
Other assets	1,345	1,367	1,355	792	868	934	1,216	1,570	506	589
Total assets	604,683	599,086	577,462	581,715	569,302	568,117	345,226	338,167	327,907	322,802
Liabilities and equity
Deposits from and liabilities to credit institutions	1,234	9,970	8,280	8,815	12,808	15,639	3,614	6,861	6,675	5,237
Deposits from and liabilitiest to customers	233,425	231,117	222,131	225,640	221,827	220,906	135,052	135,128	133,614	134,175
Securitised debt	276,714	269,723	255,213	257,880	249,902	246,371	156,557	149,910	142,401	141,277
Financial derivatives	6,279	2,906	3,437	965	1,278	1,082	1,430	869	858	1,519
Accrued expenses and pre-paid income	508	486	621	602	510	510	244	234	195	192
Pension commitments	356	353	384	401	212	214	197	197	167	167
Deferred tax	1,168	1,027	931	959	926	683	0	0	0	0
Other provision for commitments	196	197	216	322	291	268	158	164	176	187
Tax payable	1,171	824	480	1,325	786	378	139	906	702	212
Senior non-preferred bonds	20,201	19,914	20,528	21,451	20,581	21,007	14,305	13,505	12,359	11,563
Subordinated loan capital	5,881	5,628	5,669	5,973	5,446	5,800	2,770	2,769	2,775	2,769
Other liabilities	2,291	2,997	7,571	2,630	2,319	4,617	5,381	1,363	2,997	1,709
Total liabilities	549,425	545,143	525,459	526,964	516,887	517,473	319,846	311,906	302,917	299,007
Equity certificates	4,332	4,332	4,332	4,332	4,240	4,240	2,743	2,743	2,743	2,743
Own equity certificates	-13	-2	-1	-1	-2	-9	-1	-1	-7	0
Premium reserve	9,305	9,305	9,305	9,305	8,879	8,879	1,966	1,966	1,966	1,966
Equalisation reserve	3,557	3,633	3,646	3,571	3,601	3,564	3,604	4,536	2,764	2,791
Total equity certificate capital	17,182	17,268	17,283	17,206	16,718	16,674	8,311	9,244	7,467	7,500
Primary capital	19,239	19,239	19,241	19,140	19,106	19,114	11,941	13,302	10,750	10,750
Gift fund	150	150	150	150	150	150	150	150	150	150
Compensation fund	5,517	5,517	5,517	5,517	5,377	5,377	36	36	36	36
Total primary capital	24,906	24,906	24,908	24,807	24,633	24,641	12,127	13,488	10,936	10,936
Other equity	7,127	5,458	3,972	7,264	5,707	4,028	2,461	1,306	4,494	3,274
Hybrid capital	4,566	4,875	4,484	4,280	4,252	4,242	2,341	2,079	2,094	2,085
Minority interests	1,477	1,436	1,356	1,194	1,105	1,059	139	144	0	0
Total equity	55,258	53,943	52,002	54,751	52,415	50,644	25,380	26,261	24,990	23,795
Total liabilities and equity	604,683	599,086	577,462	581,715	569,302	568,117	345,226	338,167	327,907	322,802

Q3 2026Unaudited

Balance sheet development (group)