Q3 2023 Skandinaviska Enskilda Banken AB Earnings Call Transcript
Good morning. This is the conference operator. Welcome and thank you for joining the SEB's Third Quarter 2023 Results Conference Call. (Operator Instructions)
At this time, I would like to turn the conference over to Mr. Johan Torgeby, President and CEO. Please go ahead, sir.
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Thank you very much. And good morning and welcome to our Q3 result call. As customary, you can follow the slide show that we will refer to. You can find it on sebgroup.com under Investor Relations. Starting with some highlights. We had a return on equity during the third quarter of 19.8% on a capital Tier 1 ratio of 18.9% resulting in 430 basis points of capital buffer, above the minimum requirement. We saw a significantly improved availability and customer satisfaction among our retail customers in Sweden and that was not only during Q3, but has been evolving during the year. Credit quality remains exceptional and very robust. And we will continue with
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