Sparebanken Vest (0G67) Q3 2025 Earnings Call

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WEBVTT 00:00:01.448 -- 00:00:06.793 Welcome to the presentation of our three-quarter number for Sparbank Norway. 00:00:06.793 -- 00:00:11.878 The first quarter where we are Ny Bank, where we are Sparbank 00:00:11.878 -- 00:00:16.903 Norway. And if you have questions along the way, do as you always do, 00:00:16.903 -- 00:00:22.008 send them to this email address, then we will, at best, answer the questions in 00:00:22.008 -- 00:00:27.033 a question and answer round, after I have gone through the main points in our 00:00:27.033 -- 00:00:31.156 quarter numbers for the third quarter. 00:00:31.334 -- 00:00:35.660 If we start with the most important key figures, we have a good quarter. 00:00:35.660 -- 00:00:40.788 We are in a very exciting phase with the establishment of Sparbank Norway. 00:00:40.788 -- 00:00:45.816 We have just started. We have started our cost-realization 00:00:45.816 -- 00:00:49.902 synergy work. We have worked well on the capital side. 00:00:49.902 -- 00:00:55.070 We invest in new geography, which is one of the things that characterizes the result. 00:00:55.070 -- 00:00:58.655 Nevertheless, we have a good net capital return of 14.5 in the quarter. 00:00:58.655 -- 00:01:04.400 And we also have a route of 16.5, where we adjust for goodwill, added 00:01:04.400 -- 00:01:07.183 value and writing down of these added values. 00:01:07.183 -- 00:01:12.468 So a very good underlying trend in spite of significant change and significant investment 00:01:12.468 -- 00:01:17.873 right now. We have a result per capita for 4 kroner and 1 euro. 00:01:17.873 -- 00:01:22.878 We have a very good capital situation. Tensyn has taken a 00:01:22.878 -- 00:01:25.300 new floor on risk values on the personal market. 00:01:25.300 -- 00:01:30.422 We are at 18.1 at the beginning of t...