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  "documentTitle": "2025 Capital Markets Day",
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  "notes": "The chart shows a bridge from 5.3bn in 2024 to 5.5bn in 2028.",
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      "text": "1) Incidentals and restructuring provisions are not included; M&A includes costs of HAL and NIBC",
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      "text": "Cost development towards 2028: Cost savings and synergies to exceed inflation from 2024 to 2028; Assuming c.2% inflation p.a., higher inflation to be absorbed by additional cost savings; Current level of investments sufficient to deliver on cost and growth initiatives.",
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      "text": "2026 cost guidance: FY2026 costs expected at c.€5.6bn, increase versus FY2025 related to full year HAL inclusion; NIBC not included in FY2026 guidance, expectation is c.€0.2bn costs p.a. once closed (pre-synergies).",
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