Sparebank 1 Ostlandet (0RU6) Q1 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.057 Good morning from Hamar. Now that you have found the coffee cup, I am ready 00:00:05.057 -- 00:00:10.524 for a really good review of the first quarter contract for Sparebanken Østlandet. 00:00:10.524 -- 00:00:14.990 In this picture, we see that spring has come to Hedmarken, and when it is even greener 00:00:14.990 -- 00:00:18.514 and more beautiful, then the trip will be even better. 00:00:18.514 -- 00:00:23.000 My name is Klara Lise Aasen, and I am the head of the bank. 00:00:23.000 -- 00:00:26.965 If you have any questions, send them to the e-mail address on the first page here. 00:00:26.965 -- 00:00:30.086 Investor at sbnostlandet.no. 00:00:30.997 -- 00:00:36.383 The first quarter has passed, and we are in the month 00:00:36.383 -- 00:00:41.329 of May. It is a very good and solid quarter for us. 00:00:41.329 -- 00:00:46.435 It is the first quarter with Toten Sparbank introduced, and it is good to see that 00:00:46.435 -- 00:00:52.082 integration is planned, and we have a one-capital discount of over 14%. 00:00:52.082 -- 00:00:57.389 There is both good revenue growth, and there is a solid underlying 00:00:57.389 -- 00:01:02.600 drive that is the reason for this. The different posts will, as 00:01:02.600 -- 00:01:07.226 a finance director, be mentioned later, but I would like to point out that we are very 00:01:07.226 -- 00:01:11.128 pleased with the promotion 00:01:11.271 -- 00:01:16.718 revenues. There is widespread growth in all areas, but especially savings, 00:01:16.718 -- 00:01:21.766 insurance and self-employed services. The costs are somewhat high, but 00:01:21.766 -- 00:01:26.814 at the same time, it also drives you from good growth in the income market 00:01:26.814 -- 00:01:30.300 side, which also contributes to higher p...