We also saw a normalization of travel and marketing expenses.

Apr 27, 2023 / CFO / receipt, needs a key / James von Moltke, CFO | earnings call 2023-04-27 | transcript 8f4ad66d-33e2-4d38-8cc0-017bc10f6879 | chars 18713-18774 | segment 19

And I think it's important to emphasize we were able to travel through, you know, a difficult quarter and especially March while maintaining and, in fact, improving liquidity both ratios, liquidity coverage ratio and net stable funding ratio.

Apr 27, 2023 / CFO / receipt, needs a key / James von Moltke, CFO | earnings call 2023-04-27 | transcript 8f4ad66d-33e2-4d38-8cc0-017bc10f6879 | chars 47580-47822 | segment 48

You know, the direction of travel is clearly up. We called out items in the second quarter. and now in the third quarter that we're sort of, I'll call them one-offs. It's often a noisy line item. Last quarter, it was more related to TLTRO and sort of technical accounting things. This quarter, it had to do with the buybacks. You know, we wouldn't expect a repetition of that, but I would expect, given the tailwinds we have now into Q4, that we would grow over and probably still increase our NIM in Q4 relative to the 147 we showed.

Oct 26, 2022 / CFO / receipt, needs a key / James von Moltke, CFO | earnings call 2022-10-26 | transcript dbfbaf66-3ab4-47ef-a49f-9f851d1891ca | chars 37391-37925 | segment 38