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  "documentTitle": "2025 Capital Markets Day",
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  "notes": "Includes a chart showing the progression of income, cost, and C/I ratio from 2024 to 2028.",
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      "text": "Marginal impact on C/I ratio from M&A pre-synergies; C/I ratio expected to improve due to increase in income and cost savings including synergies; Income CAGR 2024-2028 at least 3%; Absolute cost decline of 5% compared to 2024 rebased for M&A",
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      "text": "1) Incidentals and restructuring provisions are not included; M&A includes income and costs of HAL and NIBC",
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