Q3 2020 Svenska Handelsbanken AB Earnings Call Transcript
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Good morning, everyone, and welcome to this call for the third quarter. Together with me today, I have our CFO, Carl Cederschiöld; Head of IR, Lars Höglund; and Head of Accounting, Annika Engler.
We have got some questions during the last few weeks, and also this morning, that I wanted to start off to address right away. Carl will then highlight some of the financials for this strong quarter, and then we will leave quite a bit of room for your questions, where I'm sure Lars will jump in.
So if I start with one of the questions that we have received during the last couple of weeks is that, are we doing a major change away from branches and into digital now with the steps we take in Sweden? And I would definitely start with the answer, no, that is not what we are doing. We will have around 200 branches in Sweden, and they will be located in towns and communities where we see good business and real demand for our
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