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    Hans Rettedal Christiansen

    Research Analyst at Danske Bank

    Hans Rettedal Christiansen is the Head of Equity Research Norway at Danske Bank, specializing in equity analysis and coverage of Norwegian companies across banking, finance, and related sectors. Throughout his career, Christiansen has provided research for notable firms, including Oma Savings Bank, and has previously served as a Research Analyst at Carnegie Investment Bank. Since joining Danske Bank, he has led the Norwegian equity research team, where his investment ideas and client advisory have been recognized for their depth and market insight. Christiansen holds an advanced academic background in finance and accounting and is known for his leadership in equity research, although specific performance metrics and securities licenses are not publicly detailed.

    Hans Rettedal Christiansen's questions to Sampo (SAXPY) leadership

    Hans Rettedal Christiansen's questions to Sampo (SAXPY) leadership • Q1 2025

    Question

    Hans Rettedal Christiansen asked if the increased Topdanmark synergy target was driven purely by costs, whether more synergies could be found, and for a breakdown of Norway's 17% premium growth into volume and price effects.

    Answer

    Executive Morten Thorsrud confirmed the synergy increase is from costs, as revenue synergies are less tangible. He noted that while more could always be learned, the new figure is the current best estimate. He also explained Norway's growth is largely price-driven, with higher rate actions than other markets, but also includes an underlying volume component. Executive Knut Alsaker emphasized that the announced EUR 140 million is the official target to expect through 2028.

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