Sparebank 1 Ostlandet (0RU6) Q3 2025 Earnings Call

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WEBVTT 00:00:01.499 -- 00:00:04.606 Good morning, everyone watching me on the screen today. 00:00:04.606 -- 00:00:09.498 It's a very nice autumn day, and I look forward to presenting the talks for the third 00:00:09.498 -- 00:00:13.885 quarter, Sparbanken Østlandet, together with Finance Director Geregel Bolstad. 00:00:13.885 -- 00:00:19.835 So let's jump right into the facts. There is a quarter that we are backing 00:00:19.835 -- 00:00:24.744 up with a good return. 13.5% on the one-capital return, which we think is good in this 00:00:24.744 -- 00:00:27.529 quarter, which has also affected some high losses. 00:00:27.529 -- 00:00:30.013 And there is a strong contribution from all income lines. 00:00:30.013 -- 00:00:33.038 And if I draw up something, it's the interest rate net. 00:00:33.038 -- 00:00:38.804 It is up 3% from last quarter, and 4.4% from last quarter, including 00:00:38.804 -- 00:00:40.165 provisions for the housing credit company. 00:00:40.165 -- 00:00:44.489 So there is a good development in the rent net, and we are very happy about that. 00:00:44.489 -- 00:00:49.274 And it is due to good growth, especially within the personal market. 00:00:49.274 -- 00:00:53.298 We are up 5.2% on outlay in the personal market, 00:00:53.298 -- 00:00:58.463 and despite strong competition, we have taken market share in all 00:00:58.463 -- 00:01:04.173 our regions. On the business side, it is a more stable 00:01:04.173 -- 00:01:07.620 development and a moderate activity level. 00:01:07.620 -- 00:01:11.549 The division works very well with broad sales. 00:01:11.549 -- 00:01:16.739 It goes from insurance, savings, pensions, to currency and interest, so 00:01:16.739 -- 00:01:20.407 there are also good contributions to the business market. 00:01:20.407 -- 00:01:25.494 Broad inc...