well, shares in handelsbanken have been rising higher. it said margins were under pressure due to the country's loose monetary policy. joining us on the phone is the ceo of handelsbanken. good to have you with us today. talk us through the main points from within this report. your profits do look a bit weaker, but i'm looking at a strong capital ratio at the same time. >> yeah, that's right. hi. actually, we in handelsbanken made our best results in our 144 years of history. it was, as i see it, a very strong result. we made a return on equity for a total operations to 13.5%. we are running a bank with a cost-income ratio of 45.3% and with very low credit losses. so i guess that the quarter and the year was very good for handelsbanken. >> frank, we're looking across europe now and indeed across the world, and we're seeing quite a lot of unease from within the various banking sectors. a lot of volatility out there and a lot of speculation about the health of the banks. let's face it. agai your rating stands very high, but you also live in