Intangible assets (Tables)

12 Months Ended

Dec. 31, 2025



	Goodwill		Future servicing rights		Software		Other		Total

On January 1, 2025	345		120		51		58		575

Additions	-		-		12		1		13

Amortization through income statement	-		(14	)	(12	)	(6	)	(32	)

Acquisitions through business combinations	1		-		-		3		4

Other movements	-		-		-		-		-

Net exchange differences	(34	)	(2	)	(1	)	(3	)	(40	)

On December 31, 2025	313		105		49		52		519

Gross carrying value	426		289		94		96		906

Accumulated amortization and impairment	(113	)	(184	)	(45	)	(44	)	(387	)

Net book value	313		105		49		52		519

On January 1, 2024	291		131		48		33		504

Additions	-		2		12		1		15

Amortization through income statement	-		(14	)	(11	)	(5	)	(30	)

Acquisitions through business combinations	23		-		-		40		63

Other movements	13		-		-		(13	)	-

Net exchange differences	19		1		1		2		23

On December 31, 2024	345		120		51		58		575

Gross carrying value	473		311		85		98		967

Accumulated amortization and impairment	(128	)	(191	)	(34	)	(40	)	(393	)

Net book value	345		120		51		58		575

A summary of the cash-generating units to which the goodwill is allocated is as follows: