Hello everyone, I am Kjetil Barli, CEO of Aprila Bank. I'm Espen Engelberg, CFO at Aprila Bank. Welcome to Aprila's third quarter presentation. I will start by presenting the highlights of the quarter. Espen will present the financial figures in more detail, and then I will conclude by presenting our top priorities and the guiding for 2025. We are not doing a live Q&A session this time, so if you have any questions during or after the presentation, please send them to ir@aprila.no, and we will respond in due course. The questions and our answers will be published on our Q&A website. First, a quick recap of Aprila. Aprila is a digital bank that provides credit to a large and underserved market of small and medium-sized businesses. We have built a highly scalable banking platform that serves more than 5,500 business customers today and is designed to serve a significantly larger customer base. We use our own proprietary credit models to predict outcomes and price risk, and now, with seven years of history, these models have become very accurate. To the customer, Aprila represents speed, convenience, and accessibility, or as we say in our Norwegian tagline, [Foreign language]. Now, let's have a look at the numbers from the third quarter. We delivered another record-breaking quarterly pre-tax profit, reaching nearly NOK 18 million in the third quarter. The results reflect a strong and improving underlying profitability, with a return on equity of 21.1% for the quarter and 18.6% on a trailing 12-month basis. The strong result in the third quarter is driven by disciplined credit management and improving delinquency rates. The trailing 12-month ROE of 18.6% also highlights our consistent focus on operational efficiency. Considering our relatively small scale and our solid capital position, delivering a return on equity above 20% demonstrates the strength of our strategy and a promising outlook for capital productivity. Turning to lending growth, gross lending increased 33% year-on-year and 8% in the quarter, marking a clear improvement from the second quarter. Total income was up 11% year-on-year and 3% in the quarter, reflecting that we are also gradually reducing the yield on our Loan book. As we have communicated earlier, we have been evaluating potential jurisdictions that would best support our strategic ambitions. Following a comprehensive assessment, we have shortlisted Liechtenstein and Sweden as potential new domiciles, with Liechtenstein currently regarded as the preferred option. We are in close dialogue with the Financial Market Authority in Liechtenstein to resolve a few remaining regulatory clarifications. Subject to a positive outcome of these discussions, our plan is to submit a license application during the first half of 2026. Based on our estimates, a re-domiciliation would reduce Aprila's CET1 requirement by 30%-40%, making this a proactive move to safeguard Aprila's long-term competitiveness both in Norway and in other European markets. With that overview, I will now move to the four high-level financial slides before handing over to Espen, who will walk you through our capital position and other key details. At the end of the third quarter, gross lending had increased 23% year-on-year and 8% quarter-on-quarter. As I mentioned in our Q2 presentation, lending demand temporarily softened in the second quarter following Norges Bank's rate decision in late March and the uncertainty triggered by new U.S. tariff announcements in early April. When Norges Bank reduced the key policy rate by 25 basis points on June 18, we saw a rebound in lending demand. Nominal lending growth in the third quarter reached NOK 99 million, roughly twice the growth in the second quarter, and the positive momentum has continued into the fourth quarter. As we continue to attract and onboard larger, lower-risk customers, we're seeing a gradual and controlled decline in our lending yield. In the third quarter, our lending yield was 24.7%, two percentage points lower than the same period last year. This is an expected development, fully aligned with our strategic focus on scaling up with slightly larger ticket sizes while maintaining solid margins. Our liquidity portfolio continued to perform well, delivering an annualized return of 4.5% in the quarter. Funding cost remained stable at 4.8%, but is expected to decline going forward following an interest rate reduction implemented at the end of October. The combination of our income-earning assets, the deposit balance, and the yield levels that just presented translated into a total income of NOK 61.1 million in the third quarter. This represents an income growth of 11% year-on-year and 3% in the quarter. In terms of composition, our income remains dominated by net interest income, which accounted for 89% of total income in the quarter. Net fee and commission income accounted for 8%, and then net gains on financial instruments accounted for 4%. Now, let's look at how this translates into profit and return on equity over time. Over the last 12 months, total income adjusted for one-offs amounted to NOK 233 million. This represents a growth of 15% compared to the 12-month period that ended in the third quarter last year. In the middle chart, you can see that the combined ratio of costs and losses to total income has declined from 80% - 74% over the same period. This improvement reflects both cost discipline and improving credit quality. Over the past year, the latter has been a key driver of our profitability expansion. Our underlying pre-tax profit has increased from NOK 41 million at the end of Q3 last year to NOK 61 million at the end of Q3 this year. Correspondingly, our underlying return on equity has now surpassed 19%, a level we believe will continue to improve going forward. The pace of further ROE improvements will largely depend on how quickly we can continue to grow our lending portfolio. To sum up this part, despite a modest income growth, we're entering Q4 with a strong momentum in demand and expanding profitability. Espen will now walk you through our capital position and a more detailed review of the financials. Thank you, Kjetil. Let's have a look at our capital position. We continue to maintain a very solid position with the CET1 ratio of 29.6% at the end of the quarter. The bank's overall capital requirement is 22.3%. Based on FSA's preliminary SREP decision, our new capital requirement will be 21.2%, and the P2G will be reduced from 1.5% to 1%. Aprila has until November 25 to provide comments before the FSA will make its final decision. While we think our capital requirements are too high, we still have a solid headroom for further growth, provided that we can continue to use retail classification, which we believe we can. Without retail classification, our capital ratio would have been 24.4% at the end of the quarter. We look forward to getting more clarity on the topic. EBA's guidelines on proportionate retail diversification methods should have been published in July but have not yet been issued. Let's have a look at the key figures for the third quarter. Starting with the upper left chart, we ended the quarter with 5,653 unique customers, a steady increase from the previous quarter. In the upper right chart, the cost-income ratio came in at 53%, which is two percentage points lower than Q3 last year. The underlying trend in cost efficiency continues to move in the right direction. This remains an important metric for Aprila, and we are actively working to bring it further down. Next, loan losses came in at annualized 3.4% of gross lending. This is the lowest level since Q3 2019. Our strong credit discipline and robust models are performing in line with our expectations. Finally, profit before and after tax reached an all-time high of NOK 17.8 million, equal to an annualized return on equity of 21.1%. This marks three consecutive quarters of record-high profit, and we have now been profitable for 10 straight quarters. Overall, Q3 was another demonstration of strong and consistent execution. We continue to deliver solid income growth, maintain excellent credit quality, and improve the cost efficiency. We are well prepared to keep delivering attractive returns while continuing to build for the long term. Looking closer at our main product, Credit Line, we ended the quarter with 5,239 accounts. We added net 73 new accounts during the quarter. Moving to the lower left chart, the average balance per account at quarter end was NOK 244,000, while the average drawdown reached NOK 292,000, as shown in the lower right chart. Growth is coming both from new and existing customers. Many of our current customers are scaling their businesses and increasing their credit line, and we are there to support them as they grow. At the same time, we are also targeting larger customers to further strengthen our portfolio quality. Looking closer at the down payment loans, which have been in our product offering for one year now, we ended the quarter with 335 accounts as we added 63 net new accounts during the quarter. The average balance per account at quarter end was NOK 240,000. As shown in the chart on the right, our gross loan exposure across industries is broadly in line with the diversification seen in the credit line portfolio. We continue to see steady growth in down payment loans, supported by improved customer onboarding and clearer product positioning. We booked loan losses of NOK 11 million in the quarter, of which NOK 11.4 million in net realized losses and negative NOK 0.4 million in loan loss provision. This reflects a reduction in the expected credit loss provision, indicating improved portfolio quality, as we can see in the upper right chart. Overall ratio of overdue claims to total claims decreased from 12.4% - 10.6% in the quarter. We have improvements across all three buckets with DPD 1-90. Above 90 remains the same. Our loan book do really perform well. That concludes the presentation of the key figures from the third quarter. Kjetil, over to you for the final part of the presentation. Thank you, Espen. I will present our key priorities and our guiding for 2025. Our top priority in 2025 is to accelerate profitable growth. We aim to achieve this by improving our offering to larger customers, streamlining our sales processes, and by optimizing loan origination. Nine months into 2025, we have delivered on this priority, achieving an all-time high nominal gross lending growth of NOK 289 million compared to NOK 202 million last year. Our second priority is to strengthen competitive advantage. Our key focus under this priority is to increase the automation of core customer processes and to continuously evolve our credit models and the customer experience. A good example of progress is that 78% of customer chats were resolved by AI in the third quarter, up from 56% in the second quarter. This is an example of an initiative that increases automation in core customer processes and enhances customer experience as response time improves. Our third priority is to further strengthen long-term profitability. Under this priority, our focus remains on two areas automating internal processes to reduce cost to serve and the potential re-domiciliation. The rationale behind the latter is to reduce the bank's capital requirements in order to further strengthen capital efficiency. When we held the Q2 presentation, we had shortlisted Liechtenstein and Sweden as the best options, and now we have preliminarily selected Liechtenstein as Aprila's preferred new domicile. We are working to resolve some remaining regulatory clarifications with the FMA in Liechtenstein, and the license application will most likely be submitted in the first half of 2026, and the process is expected to take 12 months from the date of the submission of this application. Now to the guiding. We're now aiming for NOK 250 million-NOK 260 million in total income run rate in Q4, cost income of 52% for 2025, and 5,800 customer accounts at year-end. That wraps up the presentation of Aprila Bank's quarterly results. If you have any follow-up questions, please don't hesitate to reach out to us on the provided email address. Thank you for joining us today. We appreciate your time and interest and look forward to keeping you updated next quarter. Until then, take care and have a great day.