Q4 2022 Avanza Bank Holding AB Earnings Call Transcript
Good day, and thank you for standing by. Welcome to Avanza Bank Full Year Report 2022 Conference Call. (Operator Instructions) Please be advised that today's conference is being recorded.
I would now like to hand the conference over to our first speaker today, Rikard Josefson. Please go ahead.
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Okay. Thank you very much. Good morning, everybody. Thank you for listening in. I'm going to start with a business update around the quarter, and then Anna will take the financials. Looking at 2022 as a full year, of course, it was a very difficult year given the macro circumstances that we encountered during the year. So the net inflows amounted to SEK 24 billion. In the fourth quarter, we had some one-offs from a negative perspective. We sold the pension portfolio, which we are not actively in. And also, we saw that some larger clients took cash and deposited at other places where they get more interest.
Speaking to those clients, we are quite
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