Balance sheet

PARENT BANK							GROUP
31.12.25	30.09.25	30.09.26		Notes	30.09.26	30.09.25	31.12.25
			Assets
86	756	508	Cash and receivables from central banks		508	756	86
28,236	22,666	35,250	Loans to and receivables from credit institutions		16,473	4,240	5,412
233,957	229,704	238,315	Loans to and receivables from customers	8,9,10,11	511,242	472,456	485,743
493	501	470	Shares, units and other equity instruments		479	509	501
70,922	72,642	72,841	Commercial papers and bonds		61,263	70,965	69,915
5,621	5,561	8,325	Financial derivatives		2,251	8,785	8,272
17,445	17,481	17,346	Shareholdings in group companies
2,096	2,097	2,114	Shareholdings in associated companies		3,291	2,859	2,971
0	0	0	Deferred tax assets		0	0	0
148	134	148	Pension assets		161	148	161
5,670	5,552	5,528	Other intangible assets		6,050	6,096	6,208
1,195	1,133	1,176	Tangible fixed assets		1,331	1,281	1,349
1,494	153	299	Prepaid expenses		288	338	305
334	350	848	Other assets		1,345	868	792
367,695	358,729	383,168	Total assets		604,683	569,302	581,715
			Liabilities and equity
22,725	27,956	23,074	Deposits from and liabilitiest to credit institutions		1,234	12,808	8,815
225,788	221,923	233,592	Deposits from and liabilities to customers	12	233,425	221,827	225,640
29,382	24,264	40,216	Debt securities issued	16	276,714	249,902	257,880
7,137	7,269	6,926	Financial derivatives		6,279	1,278	965
379	492	301	Accrued expenses and pre-paid income		508	510	602
386	197	341	Pension obligation		356	212	401
1,218	727	672	Tax liabilities		1,171	786	1,325
129	167	452	Deferred taxes		1,168	926	959
318	287	193	Other provision for commitments	8	196	291	322
21,451	20,581	20,201	Senior non-preferred bonds	16	20,201	20,581	21,451
5,544	5,016	5,501	Subordinated loan capital	16	5,881	5,446	5,973
2,157	1,758	1,821	Other liabilities		2,291	2,319	2,630
316,613	310,638	333,292	Total liabilities		549,425	516,887	526,964
4,332	4,240	4,332	Equity certificates	15	4,332	4,240	4,332
-1	-2	-13	Own equity certificates		-13	-2	-1
9,305	8,879	9,305	Premium reserve		9,305	8,879	9,305
3,571	3,601	3,557	Equalisation reserve		3,557	3,601	3,571
17,206	16,718	17,182	Total equity certificate capital		17,182	16,718	17,206
19,140	19,106	19,239	Primary capital		19,239	19,106	19,140
150	150	150	Gift fund		150	150	150
5,517	5,377	5,517	Compensation fund		5,517	5,377	5,517
24,807	24,633	24,906	Total primary capital		24,906	24,633	24,807
27	27	0	Reserve for unrealised gains
5,222	2,922	3,682	Other equity		7,127	5,707	7,264
			Minority interests		1,477	1,105	1,194
3,820	3,792	4,106	Hybrid capital		4,566	4,252	4,280
51,082	48,091	49,876	Total equity		55,258	52,415	54,751
367,695	358,729	383,168	Total liabilities and equity		604,683	569,302	581,715

Q3 2026Unaudited

Balance sheet