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Funding costs
 12 Months Ended
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. See Note 16 .