Norion Bank AB (NORION) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.923 Hello and welcome to Noran Bank's Q4 report 2025. 00:00:04.923 -- 00:00:10.658 My name is Martin Årsmann and I am the CEO and the CEO is Peter Olsson. 00:00:10.658 -- 00:00:15.691 Let's start on page 2 and as usual a summary of the 00:00:15.691 -- 00:00:17.767 Q4 this time. 00:00:17.767 -- 00:00:19.470 Låneboken 00:00:19.470 -- 00:00:23.617 landar på 49,7 miljarder ungefär. 00:00:23.617 -- 00:00:29.006 Vi ökar mellan Q3 och Q4 med 600 miljoner. 00:00:29.006 -- 00:00:34.074 Vi har en hel del FX-effekter som vi kommer prata om lite framåt, men om man tittar 00:00:34.074 -- 00:00:39.144 på FX-effekter mellan Q3 och Q4 så uppgår den till 600 million. 00:00:39.144 -- 00:00:44.420 In addition, we have also made an MPL sale that we communicated earlier at 150 00:00:44.420 -- 00:00:49.475 million, so we have a underlying growth between Q3 and Q4 in 00:00:49.475 -- 00:00:55.307 Roughly 1.2 billion, so about the same growth rate as we had in Q4 2024. 00:00:55.307 -- 00:00:56.730 The 00:00:56.730 -- 00:01:02.501 QE number landed at 34.6%, which is a small increase if you compare 00:01:02.501 -- 00:01:07.892 with Q4 2024. And as you know, Q4 is a quarter with some 00:01:07.892 -- 00:01:11.159 seasonal effects. Peter will talk a little more about that. 00:01:11.159 -- 00:01:15.987 We have also, during this quarter and this year, strengthened 00:01:15.987 -- 00:01:17.850 and invested 00:01:17.850 -- 00:01:23.280 quite a lot in our payment solution Wall-E, which has a very good momentum. 00:01:23.280 -- 00:01:28.649 We have continued to strengthen our organization on regulatory issues and 00:01:28.649 -- 00:01:31.353 it is also playing a role in IT development. 00:01:31.353 -- 00:01:33.757 We have made some investments in recent years. 00:01:33.7...