Q4 2019 Swedbank AB Earnings Call Transcript
Ladies and gentlemen, welcome to Swedbank Year-end Results 2019.
(Operator Instructions)
Today, I'm pleased to present Gregori Karamouzis, Head of IR. Please begin your meeting.
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Thank you, and good morning, everyone, and thank you for joining us on this call presenting Swedbank's Q4 financial results. With me, I have our CEO, Jens Henriksson; and our CFO, Anders Karlsson. Following their initial remarks, we will open up for questions. Jens, please begin.
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Thank you, Gregori, and good morning, everyone, and welcome to a great Stockholm. I have now been the CEO since October 1, and the past year, it has been one of the toughest in the history of Swedbank. The money laundering crisis has significantly decreased trust, and we've also seen an increased competition, especially in
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