Income statement

PARENT BANK											GROUP
2025	01.01- 30.09.25	01.01- 30.09.26	Q3 25	Q3 26		Notes	Q3 26	Q3 25	01.01- 30.09.26	01.01- 30.09.25	2025
12,776	9,173	11,105	3,642	3,912	Interest income from asset valued at amortised cost		7,295	6,811	20,681	16,691	23,463
3,535	2,549	2,926	1,055	1,062	Interest income from asset valued at fair value		1,074	1,265	3,107	3,306	4,485
9,481	6,856	8,206	2,747	2,948	Interest expenses and similar expenses		5,706	5,317	15,955	13,340	18,548
6,829	4,866	5,825	1,950	2,026	Net interest income and net credit commission income	4	2,664	2,760	7,833	6,658	9,400
1,665	1,184	1,155	301	397	Commission income and income from banking services		603	549	1,756	1,423	2,041
233	182	200	67	80	Commission expenses and expenses relating to banking services		110	97	308	235	298
1,338	106	89	0	13	Income from ownership interests in associated companies		124	119	393	370	483
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
3,014	1,286	1,239	227	281	Net other operating income	5	615	606	2,035	1,887	2,604
9,843	6,151	7,064	2,177	2,307	Net operating income		3,279	3,366	9,868	8,544	12,004
2,263	1,589	1,973	632	655	Payroll and general administration expenses		859	815	2,558	1,996	2,876
304	209	287	92	95	Depreciation		112	107	334	243	353
211	94	117	35	33	Other operating expenses		73	67	241	188	354
2,778	1,892	2,377	758	782	Total operating expenses	6	1,044	990	3,133	2,427	3,582
7,065	4,259	4,687	1,419	1,524	Profit before impairment and tax		2,235	2,376	6,735	6,118	8,422
206	192	147	64	49	Impairment losses on loans and guarantees	7,8	97	73	233	263	312
6,859	4,067	4,539	1,355	1,476	Pre-tax profit		2,138	2,303	6,502	5,854	8,110
1,313	936	657	323	337	Tax		461	506	1,042	1,030	1,536
5,546	3,131	3,883	1,032	1,138	Profit for the period		1,677	1,796	5,460	4,824	6,574
2,954	2,954	3,656	961	1,060	Allocated to equity classes		1,548	1,683	5,078	4,573	6,213
246	176	227	71	78	Allocated to Additional Tier 1 capital		89	82	258	198	278
	0	0			Allocated to minority interests		40	31	124	54	83
	0	0							0	0
14.31	8.36	8.64	2.13	2.51	Profit/Diluted profit per equity certificate		3.66	4.01	12.00	12.95	16.78

Q3 2026Unaudited

Income statement