Edward O’Loghlen | Director, Investor Relations |
Gonzalo Gortazar | Chief Executive Officer & Executive Director |
Javier Pano | Chief Financial Officer |
Mario Ropero | Bestinver Securities |
Ignacio Ulargui | Exane BNP Paribas |
Alvaro Serrano | Morgan Stanley |
Sofie Peterzens | JPMorgan |
Stefan Nedialkov | Citi |
Marta Sánchez Romero | Bank of America |
Britta Schmidt | Autonomous Research |
Andrea Filtri | Mediobanca |
Ignacio Cerezo | UBS |
Carlos Cobo | Societe Generale |
Fernando Gil | Barclays Bank |
Good morning, and welcome to CaixaBank’s financial results presentation for the Third Quarter of 2021. I hope you and your families are well.
For today’s presentation, we are joined by the usual management team consisting of our CEO, Gonzalo Gortazar and the CFO, Javier Pano.
Moving on, just a reminder that we plan to spend roughly around 30 minutes presenting with 45 to 60 minutes after that for a live Q&A session, for which you should have received instructions via e-mail.
Let me just say that my team and I are available after the call to discuss any events that remain unanswered.