Avanza Bank Holding AB (publ) (AZA) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.060 Good morning. With me in the room in Stockholm today, I have Carolina, Head 00:00:05.060 -- 00:00:10.449 of Investor Relations, Adnan, who has been our CFO during the interim period, 00:00:10.449 -- 00:00:15.799 and last but not least, Jonas Svärling, our new CEO, CFO, sorry, 00:00:15.799 -- 00:00:20.487 I hope not CEO, who will go through the financials after my initial presentation. 00:00:20.487 -- 00:00:23.830 So warm welcome to you, Jonas. 00:00:24.736 -- 00:00:30.364 The best news of the quarter was that Avanza for the 16th year in a row had 00:00:30.364 -- 00:00:35.331 Sweden's most satisfied savers, according to the Swedish Quality Index. 00:00:35.331 -- 00:00:40.478 It's also fantastic that we again ranked number one in every subcategory. 00:00:40.478 -- 00:00:43.702 Avanza's overall score was 77.6, 00:00:43.702 -- 00:00:47.668 which can be compared to the industry average of 70. 00:00:47.668 -- 00:00:53.002 Avanza's net promoter score remained highest in the industry at 41, 00:00:53.002 -- 00:00:56.887 while the industry average was at three. 00:00:56.887 -- 00:01:01.593 I'm especially proud of this achievement considering our scale and that we're growing, 00:01:01.593 -- 00:01:06.500 which makes it increasingly challenging to maintain high customer satisfaction across 00:01:06.500 -- 00:01:10.583 a customer base of over 2.2 million. 00:01:11.046 -- 00:01:16.293 We were also recognized as an employer where we were ranked as one of Sweden's most attractive 00:01:16.293 -- 00:01:18.796 employers by both Karriärföretagen 00:01:18.796 -- 00:01:23.809 and Universum. And attracting and retaining top talent is, of course, essential to 00:01:23.809 -- 00:01:27.353 execute on our strategy 2030. In 00:01:27.353 -- 00:01:32.379 Unive...