Throughout the year we saw strong business momentum in mortgages, resulting in higher market shares in all four Nordic countries compared with last year. We also launched several digi- tal services to improve customer experi- ence. For example, we launched a digi- tal mortgage loan promise in Denmark and Norway. In Denmark, this has led to an initial reduction of more than 50% in the loan process handling time when customers use our digital solutions. Our customers say they find the new solu- tion intuitive, easy to use and trustworthy.