Q4 2019 Svenska Handelsbanken AB Earnings Call Transcript
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Good morning, everyone, and welcome to this conference call for the fourth quarter and full year 2019. Joining me today are Lars Höglund, Head of Investor Relations; and Annika Engler, Head of Group Accounting.
Slide #5, please. Before going deeper into the numbers, I'd like to go back and remind you about the changes we began talking about when our CEO started her job 10 months ago.
The way forward that we presented last year means that the bank becomes more focused on our core customers and offering to -- that they demand. This will support a profitable growth with increased efficiency in the bank. This also means even lower risk and also that we release some capital. That in itself enables the continued growth with our core customers, but it also adds to the buffering into 2020, when capital requirements in general for Swedish banks are on an increasing path again.
All these measures enable us to increase the efficiency in the bank.
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