Changes in equity
| GROUP | Equity certifi- cates | Own equity certifi- cates | Pre- mium reserve | Equal- isation reserve | Primary capital | Gift fund | Comp. fund | Other equity | Minority inte- rests | Hybrid- capital | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity at 31.12.24 | 2,743 | -1 | 1,966 | 4,536 | 13,302 | 150 | 36 | 1,306 | 144 | 2,079 | 26,261 |
| Profit/loss for the period | 4,573 | 54 | 198 | 4,824 | |||||||
| Other comprehensive income | -166 | -166 | |||||||||
| Distributed dividend and donations | -933 | -1,361 | -7 | -2,300 | |||||||
| Purchase/sale of own equity certificates | -1 | 0 | -1 | ||||||||
| Share issue related to merger | 1,497 | 6,913 | 3 | 7,172 | 5,341 | 2,045 | 22,971 | ||||
| Change in equity related to step acquisition | 894 | 894 | |||||||||
| Discount of equity certificates sold to employees with a lock-in period | -5 | -8 | 0 | -13 | |||||||
| Minority interest's share of share issue in subsidiary | 74 | 74 | |||||||||
| Redemption of minority shareholders | -5 | -54 | -59 | ||||||||
| Issue of new hybrid capital | 300 | 300 | |||||||||
| Redemption of hybrid capital | -200 | -200 | |||||||||
| Interest paid on hybrid capital | -170 | -170 | |||||||||
| Equity at 30.09.25 | 4,240 | -2 | 8,879 | 3,601 | 19,106 | 150 | 5,377 | 5,707 | 1,105 | 4,252 | 52,415 |
| Equity at 31.12.24 | 2,743 | -1 | 1,966 | 4,536 | 13,302 | 150 | 36 | 1,306 | 144 | 2,079 | 26,261 |
| Profit/loss 2025 | 6,213 | 83 | 278 | 6,574 | |||||||
| Other comprehensive income | -251 | -251 | |||||||||
| Distributed dividend and donations | -933 | -1,361 | -7 | -2,300 | |||||||
| Purchase/sale of own equity certificates | 0 | 5 | 5 | ||||||||
| Share issue related to merger | 1,589 | 7,339 | -32 | 7,207 | 5,482 | 2,085 | 23,670 | ||||
| Change in equity related to step acquisition | 894 | 894 | |||||||||
| Discount of equity certificates sold to employees with a lock-in period | -6 | -9 | -14 | ||||||||
| Minority interest's share of share issue in subsidiary | 97 | 97 | |||||||||
| Redemption of minority shareholders | -5 | -54 | -59 | ||||||||
| Sale of shares to minority shareholders | 36 | 36 | |||||||||
| Issue of new hybrid capital | 300 | 300 | |||||||||
| Redemption of hybrid capital | -200 | -200 | |||||||||
| Interest paid on hybrid capital | -262 | -262 | |||||||||
| Equity at 31.12.25 | 4,332 | -1 | 9,305 | 3,571 | 19,140 | 150 | 5,517 | 7,264 | 1,194 | 4,280 | 54,751 |
| Profit/loss for the period | 5,078 | 124 | 258 | 5,460 | |||||||
| Other comprehensive income | 18 | 18 | |||||||||
| Approved appropriation of profit for 2025 | 2,149 | 3,099 | -5,248 | 0 | |||||||
| Approved distribution of dividends, donations and customer dividends | -2,079 | -2,998 | -10 | -5,088 | |||||||
| Purchase/sale of own equity certificates | -11 | -83 | -94 | ||||||||
| Share issuance (to minority interests) | 22 | 22 | |||||||||
| Discount of equity certificates sold to employees with a lock-in period | -1 | -2 | -3 | ||||||||
| Dividends on own equity certificates | 1 | 1 | |||||||||
| Sale of shares to minority shareholders | 16 | 164 | 179 | ||||||||
| Purchase of shares from minority interests | -17 | -17 | |||||||||
| Issue of hybrid capital | 900 | 900 | |||||||||
| Redemption of hybrid capital | -629 | -629 | |||||||||
| Interest paid on hybrid capital | -243 | -243 | |||||||||
| Equity at 30.09.26 | 4,332 | -13 | 9,305 | 3,557 | 19,239 | 150 | 5,517 | 7,127 | 1,477 | 4,566 | 55,258 |
| PARENT BANK | Equity certifi- cates | Own equity certifi- cates | Pre- mium reserve | Equal- isation reserve | Primary capital | Gift fund | Comp. fund | Reserve for un- realised gains | Other equity | Hybrid- capital | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity at 31.12.24 | 2,743 | -1 | 1,966 | 3,604 | 11,941 | 150 | 36 | 27 | 0 | 2,079 | 22,544 |
| Profit/loss for the period | 2,954 | 176 | 3,131 | ||||||||
| Other comprehensive income | -33 | -33 | |||||||||
| Purchase/sale of own equity certificates | -1 | 0 | -1 | ||||||||
| Share issue related to merger | 1,497 | 6,913 | 3 | 7,172 | 5,341 | 1,585 | 22,511 | ||||
| Discount of equity certificates sold to employees with a lock-in period | -5 | -8 | -13 | ||||||||
| Issue of new hybrid capital | 300 | 300 | |||||||||
| Redemption of hybrid capital | -200 | -200 | |||||||||
| Interest paid on hybrid capital | -149 | -149 | |||||||||
| Equity at 30.09.25 | 4,240 | -2 | 8,879 | 3,601 | 19,106 | 150 | 5,377 | 27 | 2,922 | 3,792 | 48,091 |
| Equity at 31.12.24 | 2,743 | -1 | 1,966 | 3,604 | 11,941 | 150 | 36 | 27 | 0 | 2,079 | 22,544 |
| Profit/loss 2025 | 5,300 | 246 | 5,546 | ||||||||
| Other comprehensive income | -79 | -79 | |||||||||
| Purchase/sale of own equity certificates | 0 | 5 | 5 | ||||||||
| Share issue related to merger | 1,589 | 7,339 | -32 | 7,207 | 5,482 | 1,625 | 23,210 | ||||
| Discount of equity certificates sold to employees with a lock-in period | -6 | -9 | -14 | ||||||||
| Issue of new hybrid capital | 300 | 300 | |||||||||
| Redemption of hybrid capital | -200 | -200 | |||||||||
| Interest paid on hybrid capital | -230 | -230 | |||||||||
| Equity at 31.12.25 | 4,332 | -1 | 9,305 | 3,571 | 19,140 | 150 | 5,517 | 27 | 5,222 | 3,820 | 51,082 |
| Profit/loss for the period | 3,656 | 227 | 3,883 | ||||||||
| Other comprehensive income | 26 | 26 | |||||||||
| Approved appropriation of profit for 2025 | 2,149 | 3,099 | -27 | -5,222 | 0 | ||||||
| Approved distribution of dividends, donations and customer dividends | -2,079 | -2,998 | -5,077 | ||||||||
| Purchase/sale of own equity certificates | -11 | -83 | -94 | ||||||||
| Discount of equity certificates sold to employees with a lock-in period | -1 | -2 | -3 | ||||||||
| Dividends on own equity certificates | 1 | 1 | |||||||||
| Issue of hybrid capital | 900 | 900 | |||||||||
| Redemption of hybrid capital | -629 | -629 | |||||||||
| Interest paid on hybrid capital | -211 | -211 | |||||||||
| Equity at 30.09.26 | 4,332 | -13 | 9,305 | 3,557 | 19,239 | 150 | 5,517 | 0 | 3,682 | 4,106 | 49,876 |