PresentationRune HellandHead of Investor Relations Good afternoon, and welcome to DNB's pre-close call for the fourth quarter. Just to remind you, the reason for this call is to remind you of what we have already shared with the market and some relevant public data, which could possibly affect the fourth quarter results. There will be no new information during this call, and this script for the call will be published on our IR website. I will start going through the NII and capital, and Anna will go through ...