Q3 2019 Banco Santander SA Earnings Call Transcript
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Good morning, everyone. Thanks for attending to this 9 months earnings presentation from Banco Santander. Obviously, as every quarter, our group CEO, Mr. Alvarez will address the group performance for the first 9 months of this year, followed by our group CFO, Mr. José Cantera, who will address in much more detail the different performance of the business areas, and the CEO will conclude the presentation before jumping into the Q&A session.
So José Antonio, please?
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Thank you, Sergio. Good morning to everyone. Welcome to third quarter result presentation. As you know, I will start saying that we are progressing well according to our plans in order to meet our commitments that we made to you back in April, in an environment that there is a bit worse than the one we were expecting at that time, in an
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