Swedbank AB (publ)

Ladies and gentlemen, welcome to the Sweetbank Interim Report Q4 2024 conference call. I'm Sandra, the course call operator. I would like to remind you that all participants have been listened only mode and the conference has been recorded. The presentation will be followed by a Q&A session. You can register for questions at any time by pressing star and one on your telephone. For operator assistance, please press star and zero. The conference must not be recorded for publication or broadcasting. At this time, it's my pleasure to hand over to Enni Ho, Head of IR. You will now be joined into the conference room. Thank you.

Thank you.

Good morning, and thank you for dialing into Swedbank's Q4 and year-end 2024 results presentation. My name is Annie Ho, Head of Investor Relations, and we have our C-suite here in the room with me, Jens Henriksson, our CEO, and for the first time, Jon Lederfeldt, our CFO, and Rolf Marquardt, our CRO. Let's start with our usual presentation and then follow up with Q&A.