joining us is frank vang-jensen, the norma's bank ceo. thank you for joining us. what drove the increase in net interest income that other banks are not able to keep up with? frank: good morning. it was a strong result again, and it is driven by high income growth and good cost control. during the quarter, we have seen continued high activity. mortgages continue to grow steady. also, lending to small lending sized enterprises, they have increased quite good. the basic stable of margins has led to a good improvement of net interest income. manus: looking at your cost to income ratio, 48% to 57%. are there more costs to come? how did you achieve such a significant 10% reduction in your costs? frank: basically, the short answer to the question is yes, there is more to come, and we are working hard to increase the efficiency in the company every day. we have three basic key priorities that we are working hard on every day. the first is to deliver great cost and experiences. the second is to drive income growth. the third is to optimize operational efficiency. it is abo