DNB Bank ASA (0O84) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.258 Welcome everyone and good morning. Welcome also to everyone 00:00:05.258 -- 00:00:10.784 following us on the stream because we are also online 00:00:10.784 -- 00:00:15.951 with the stream. We need to wait until the right time to start this session and now it's 00:00:15.951 -- 00:00:21.538 9.30 and we are ready to present the results for the fourth quarter and 00:00:21.538 -- 00:00:24.219 for the full year 2025. 00:00:24.341 -- 00:00:28.887 We see a lot of smiles in the audience. We hope it's because of the dividends. 00:00:28.887 -- 00:00:34.039 And I will give the floor to our CEO, Kerstin Bråten, 00:00:34.039 -- 00:00:40.233 and also to our CFO, Rasmus Figgenskau, for the first time on this stage. 00:00:40.233 -- 00:00:45.024 We will go through the results, and there will be time for questions after, also from 00:00:45.024 -- 00:00:48.158 the online audience. Please, Kerstin. 00:00:48.158 -- 00:00:53.451 Thank you so much, Even, and a very warm welcome to all of you, even if it's cold outside, 00:00:53.451 -- 00:00:58.944 to this presentation of our fourth quarter results, where also I would like to highlight 00:00:58.944 -- 00:01:04.578 some of the key points for the year 2025 as a whole. 00:01:04.578 -- 00:01:10.007 I think it surprises no one if I say that these are historic times 00:01:10.007 -- 00:01:15.357 in terms of uncertainty. But we often say also that uncertainty does 00:01:15.357 -- 00:01:20.546 not mean that there are not opportunities out there for businesses and across industries. 00:01:20.546 -- 00:01:26.712 In fact, we almost see the contrary. Uncertain times 00:01:26.774 -- 00:01:32.199 in a bigger picture does not mean either that we need to forget the 00:01:32.199 -- 00:01:37.864 little things. And today is a...