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Funding costs (Details) - USD ($) $ in Millions | 12 Months Ended
--- | ---
Dec. 31, 2025 | Dec. 31, 2024 | Dec. 31, 2023
Expenses by nature [abstract] |  |  |
Consumer deposits | $ (330) | $ (343) | $ (190)
Fair value adjustment on loans sold and held for sale | (163) | (30) | 0
Other cost of securitisations | (32) | (34) | (22)
Interest-bearing securities | (30) | (26) | (24)
Liabilities to credit institutions | (30) | (17) | (13)
Subordinated liabilities | (19) | (17) | (6)
Other funding costs | (63) | (36) | (42)
Total | $ (667) | $ (503) | $ (297)

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