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 ...

对经济与货币政策的评估 - 核心观点是经济衰退在近期内不会发生 这在一定程度上是因为正在通过降低政策利率来调整政策 这是合适的 [2] - 观点认为 包括因边境政策变化导致的人口增长率变化在内的多种冲击已使中性利率下降 政策需要向下调整以反映这一变化 [3] - 如果不下调政策 则会增加经济衰退的风险 但目前认为防止衰退为时未晚 因此继续下调政策利率很重要 [3] - 目前的最佳判断部分基于最终将继续下调利率的预期 [4] 对劳动力市场的观察 - 注意到失业率出现了通常在经济衰退前会看到的上升 [2]