Ana Botín | Executive Chairman |
José Antonio Álvarez | Vice Chairman and Chief Executive Officer |
Britta Schmidt | Autonomous Research |
Alvaro Serrano | Morgan Stanley |
Sofie Peterzens | JP Morgan |
Benjamin Toms | RBC |
Ignacio Ulargui | BNP Paribas |
Marta Sanchez Romero | Bank of America |
Daragh Quinn | KBW |
Mario Ropero | Bestinver Securities |
Andrea Filtri | Mediobanca |
Benjie Creelan-Sandford | Jefferies |
Fernando Gil de Santivañes | Barclays |
Pamela Zuluaga | Credit Suisse |
Stefan Nedialkov | Citi |
Carlos Cobo Catena | Societe Generale |
Good morning, everybody, and welcome to Banco Santander's Conference Call to discuss our Financial Results for the Year 2021.
Just as a reminder, both the results report and the presentation, we'll be following today, are available to you on our website. I'm joined here today by our executive Chairman, Mrs. Ana Botín; and our CEO, Mr. José Antonio Álvarez.