Patricia Bueno | Head, Investor Shareholder Relations, Finance |
Onur Genc | CEO |
Rafael Salinas | CFO |
Maksym Mishyn | JB Capital Markets |
Benjamin Toms | RBC Capital Markets |
Alvaro Serrano | Morgan Stanley |
Sofie Peterzens | JPMorgan Chase & Co. |
Ignacio Ulargui | BNP Paribas |
Marta Romero | Bank of America Merrill Lynch |
Andrea Filtri | Mediobanca |
Carlos Peixoto | Caixa Bank |
Carlos Cobo | Societe Generale |
Ignacio Cerezo | UBS |
Fernando Gil | Barclays Bank |
Britta Schmidt | Autonomous Research |
Pamela Zuluaga | Crédit Suisse |
Good morning, everyone.
Here with me today are Onur Genc, Chief Executive Officer of the group; and Rafael Salinas, BBVA CFO.
As in previous quarters, Onur will start with the presentation of group results and then Rafa will review the business areas. Then we will move straight to the live Q&A session. And now I will turn it over to Onur to begin with his presentation.