We aim to deliver attractive returns to our shareholders - and this is reflected in our dividend policy.

Healthy balance sheet ratios are vital to us. When calculating the distributable dividend, we take account the amount of profit required to finance our medium- to long-term plans, while also ensuring a solvency ratio of at least 35%.

Based on growth targets for the coming years, we then aim to pay out between 40% and 70% of net profit before amortisation and one-off income and expenses.