**Correction** CET 1 ratio (incl. 37.1% of profit) was 16.2%, not 16.7% as we wrote in our intial flashQ3 earnings per EC NOK 4.0, 5%/12% above ARCe/Cons respectively. ROE 19.3%Revenues 1% below our estimate, but 4% above consensusCosts in line while result also boosted by net loan loss reversalsGood retail growth in the quarter, corporate more sluggishUnderlying results in line with ARCe, but a beat vs consensus