Q4 2023 Swedbank AB Earnings Call Transcript
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Good morning, and welcome to Swedbank's Fourth Quarter and Year-End 2023 Results Presentation. My name is Annie Ho from Investor Relations, and with me in the room is our CEO, Jens Henriksson; our CFO, Anders Karlsson; and our CRO, Rolf Marquardt.
Let's begin with our usual presentation and then follow it up by Q&A. Jens?
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Thank you. Thank you, Annie, and good morning, everyone. Swedbank stands strong in turbulent times. We are now leaving 2023 behind us, a year that has been characterized by concerns about both external and internal security, climate change and a weak economic development. It is a time of continued war in Europe and a terrible conflict in the Middle East. The global economy though finished 2023 stronger than forecasted. Decisive actions by central banks have prevailed and we saw both inflation and GDP decline in all our home markets.
The Swedish
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