Earnings Call Summary | SVENSKA HANDELSBANKEN AB(SVNLF.US) Q4 2023 Earnings Conference
Earnings Call Summary | SVENSKA HANDELSBANKEN AB(SVNLF.US) Q4 2023 Earnings Conference
The following is a summary of the Svenska Handelsbanken AB (SVNLF) Q4 2023 Earnings Call Transcript:
以下是 Svenska Handelsbanken AB (SVNLF) 2023年第四季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Handelsbanken reported slow growth and lower Risk Weighted Assets anticipated, but it doesn't see any major headwinds going into Bal IV.
The bank's 'plus 1' operating strategy aims to strengthen its financial stability.
It's expected that if rates start to decline, the bank will see increased movements in lending margins and deposit costs.
The bank plans to gradually reduce its costs by working with the cost base, which will impact a significant proportion of their staff and overall costs.
Long-term plans exist to reduce the bank's capital structure once market normalcy is achieved.
Handelsbanken報告稱，預計增長緩慢，風險加權資產將降低，但它認爲Bal IV不會出現任何重大不利因素。
該銀行的 “加1” 運營戰略旨在加強其財務穩定性。
預計，如果利率開始下降，該銀行的貸款利潤率和存款成本將增加。
該銀行計劃通過利用成本基礎逐步降低成本，這將影響其很大一部分員工和總體成本。
一旦市場恢復正常，就存在縮減銀行資本結構的長期計劃。
Business Progress:
業務進展：
Handelsbanken is reinforcing its local banking strategy to provide bespoke solutions and nurture strong customer relations.
The focus is on cautious cost management, choosing profitability over volume growth, and aligning its growth with the broader economic expansion.
Handelsbanken has spent recent years refining their Swedish and UK business models and withdrawing from international businesses.
They prioritize branches' autonomy in decision-making with customers and counterparties to foster business efficiency across the bank.
The bank has a proactive approach to cybersecurity and Financial Crimes Prevention (FCP).
High customer satisfaction, capital efficiency, and risk aversion are noted as the stepping stones to achieve their corporate goal.
Handelsbanken正在加強其本地銀行戰略，以提供定製解決方案並培育牢固的客戶關係。
重點是謹慎的成本管理，選擇盈利能力而不是銷量增長，並使其增長與更廣泛的經濟擴張保持一致。
Handelsbanken近年來一直在完善其瑞典和英國的商業模式，並退出國際業務。
他們優先考慮分行在與客戶和交易對手的決策中的自主權，以提高整個銀行的業務效率。
該銀行對網絡安全和金融犯罪預防（FCP）採取了積極的方針。
高客戶滿意度、資本效率和避險情緒被認爲是實現企業目標的墊腳石。
More details: SVENSKA HANDELSBANKEN AB IR
更多詳情： 瑞典商業銀行從這裏出發
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
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譯文內容由第三人軟體翻譯。