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Funding costs | 12 Months Ended
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Dec. 31, 2025
Expenses by nature [abstract] |
Funding costs | Funding costs The Group’s funding costs for the years ended December 31, 2025, 2024 and 2023 were as follows:
|  | 2025 |  | 2024 |  | 2023
Consumer deposits |  | $(330) |  | $(343) |  | $(190)
Fair value adjustment on loans sold and held for sale |  | (163) |  | (30) |  | —
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)
Fair value adjustment on loans sold and held for sale relates to Pay Later receivables originated within the business model originate to sell and measured at FVTPL. Se e Note 16 .

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