Sparebank 1 Ostlandet (0RU6) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.976 Good morning everyone, this Friday, 00:00:03.976 -- 00:00:09.101 February 13th. We are here from Hamar, and welcome to everyone who 00:00:09.101 -- 00:00:13.807 is on the digital webcast today. My name is Klara Lise Aasen, and I am the CEO of Sparebanken 00:00:13.807 -- 00:00:17.992 Østlandet, and I will be going through the fourth quarter together with Gerd Hegel Bodse, 00:00:17.992 -- 00:00:22.216 who is the financial director. And if you have any questions along the way, feel free 00:00:22.216 -- 00:00:26.259 to send them to investor at sbnostlandet.no. 00:00:27.588 -- 00:00:31.760 Then I will first take the lead for the quarter. 00:00:31.760 -- 00:00:34.888 It is a solid quarter we are behind. 00:00:34.888 -- 00:00:40.003 It is a one-capital transfer that has exceeded our goal of 13% and underlies a 00:00:40.003 -- 00:00:42.149 good banking 00:00:42.149 -- 00:00:44.253 business. In addition to some, there are the broad revenues. 00:00:44.253 -- 00:00:49.522 They are especially good this quarter, with a double percentage 00:00:49.522 -- 00:00:53.750 from last year. As a rule, I will go through more details on them. 00:00:53.750 -- 00:00:58.378 In addition, I would like to mention Dataselskapet, Finans Østlandet and Innosmøgler 00:00:58.378 -- 00:01:03.127 1, Østlandet, which has delivered very good figures in 2025. 00:01:03.127 -- 00:01:07.857 TAP's figures are a bit higher. There are interest-sensitive businesses, especially the 00:01:07.857 -- 00:01:09.701 construction industry, 00:01:09.701 -- 00:01:15.173 which is also demanding this quarter. We have 32 basis points in TAP, and 19 00:01:15.173 -- 00:01:19.884 basis points for 2025, which is the same as in 2024. 00:01:19.884 -- 00:01:23.680 More details on this will be releas...