Q4 2020 Skandinaviska Enskilda Banken AB Earnings Press Conference Transcript
Ladies and gentlemen, thank you for standing by, and welcome to the SEB Q4 2020 Results. (Operator Instructions) For your information, this conference is being recorded.
Now I would like to hand the conference over to your speaker today, Mr. Johan Torgeby. Please go ahead, sir.
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Thank you very much, and a warm welcome to everyone to this annual report presentation for 2020. As normal these days, I'll start with just refer you to the presentation that we will go through. It's on www.sebgroup.com. And I will refer to the page slides as we proceed.
Starting on Page 2, with the highlights of Q4. We have characterized that as a healthy improvement in return on equity coming in at 12.2% at a clearly elevated capital level of 21%. We saw a elevated level of expected credit losses during the year that fell over the year and came in at 14 basis points, but lower
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