Jose Antonio Alvarez | CEO |
Jose Garcia Cantera | CFO |
Sergio Martinez | Investor Relations |
Alvaro Serrano | Morgan Stanley |
Fernando Santivani | Barclays |
Francisco Decalt | Elantra |
Adrian Cighi | Credit Suisse |
Sophie Petersen | JP Morgan |
Carlos Castena | Societe Generale |
Daragh Quin | KBW |
Mario Roberto Gasta | Best Inverse Securities |
Andrea Filtri | Mediobanca |
Good morning, everyone. Thanks for joining today's Santander nine month 2021 earnings presentation. Every quarter our Group CEO, Mr. Antonio Alvarez will address the highlights on the group performance then the group CFO Jose Garcia-Cantera in detail. We'll comment on the different business areas trends before the CEO jumps into the key takeaways and obviously, we'll have plenty of time to answer your questions.