3%/7% beat on pre-tax vs ARCe/Cons, but dividend comes in a bit belowQ4 EPS of SEK 3.69 vs ARCe/Cons 3.87/3.71. Q4 reported ROE 13.2%NII 3% above, remaining P&L relatively in line and marked by Airplus integrationFY24 DPS + XO of SEK 11.5 vs ARCe/Cons 14.5/13.3SEK 2.5bn in buybacks for Q1 in line with consensus and previous run-rate
