Svenska Handelsbanken AB Gathering Its Forces at Branches, Accelerating the Pace of Digital Development and Cutting Costs International Investor Call Transcript
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Good afternoon and warmly welcome to this call. With me today on this call, I have Carl Cederschiöld, our CFO; and Lars Höglund, Head of Investor Relations.
Let me start by -- start off by taking a step back a year when we announced the first major step in our journey to become a more focused bank with a clear aim to become more efficient with higher profitability. The key message was an increased focus on our core customers and the core products and services. And we made the announcement of concentrating our -- of our geographical presence outside our home markets to Luxembourg, New York and launched efforts to rationalize central units.
The program is moving ahead according to plan. Today, we are delighted to present the second major step on our journey, this time by addressing the Swedish operations with the aim of becoming an even more relevant bank for our customers. In the past years, the customer behaviors have
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