These are the forecasted performance of the bank and here are the key performance
indicators.
Question)What are the high level observations on the performance and outlook for the bank?

SEKmm Historicals Projections 2022 2023 2024 2025 2026 2027 2028 ROAE 50,5% 18,4% 37,2% 17,5% 16,1% 15,3% ROAA 0,81% 0,57% 0,60% 0,57% 0,53% 0,50% Net interest margin 36,0% 32,7% 33,4% 30,0% 26,8% 24,2% Cost/income ratio 63,9% 60,5% 65,0% 62,5% 60,0% 57,5% 55,0% Cost of risk (bps) 10,78 10,00 12,50 12,00 12,00 12,00 Loans / deposits 115% 124% 124% 124% 124% 124% 124% Payout ratio CET1 ratio 87% 66% 67% 89% 87% 17,6% 17,2% 17,0% 17,5% 18,0% 18,0% 18,0% Tier 1 ratio 20,2% 19,7% 19,4% 19,8% 20,2% 20,2% 20,1% Total capital ratio 23,5% 23,0% 22,6% 22,9% 23,2% 23,1% 23,0% Helpline: Interest bearing assets End