Begona Morenes | Investor Relations |
Jose Antonio Alvarez | Chief Executive Officer |
Jose Garcia Cantera | Chief Financial Officer |
Ignacio Ulargui | BNP Paribas |
Francisco Riquel | Alantra |
Alvaro Serrano | Morgan Stanley |
Sofie Peterzens | JPMorgan |
Carlos Cobo Catena | Societe Generale |
Marta Sanchez Romero | Citi |
Carlos Peixoto | CaixaBank |
Pamela Zuluaga | Credit Suisse |
Good morning, everybody and welcome to Banco Santander’s Conference Call to Discuss Our Financial Results for the Third Quarter of 2022.
Just as a reminder, by the results report and presentation we will be following today are available to you on our website. I'm joined here today by our CEO, Mr. Jose Antonio Alvarez; and our CFO, Mr. Jose Garcia Cantera.