| Current period | Year (-1) | Year (-2) | Current period | Year (-1) | Year (-2) | ||
| Consolidated | Consolidated | Consolidated | Company | Company | Company | ||
| 1 | 1 | 1 | 2 | 2 | 2 | ||
| Wages and related | 1 | ||||||
| Advertising | 2 | ||||||
| Customer retention and recruitment | 3 | ||||||
| Giveaway promotions for credit card holders | 4 | ||||||
| Insurance abroad for credit card holders | 5 | ||||||
| Motor vehicle maintenance | 6 | ||||||
| Other | 7 | ||||||
| Total sales and marketing expenses | 8 | ||||||
| Thereof: originating in share-based payment transactions | 9 | ||||||
| Thereof: originating in transactions treated as share-based payment transactions, settled bymeans of capital instruments | 10 | ||||||