Q3 2020 Banco Santander SA Earnings Call Transcript
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Good morning, everyone, and welcome to the 9-month 2020 earnings presentation of Banco Santander.
As every quarter, we have as speakers, our group CEO, Mr. Alvarez; and our Group Chief Financial Officer, Mr. GarcÃa-Cantera. Our CEO will address the group performance for the 9 months of 2020. and then our CFO will follow-up with business update review in more detail before a jump into the key takeaways of the quarter by our CEO, and obviously, happy to answer your questions during the Q&A session afterward.
So José Antonio, please. The mic is yours.
Okay. Thank you, Sergio, and good morning to everyone. First of all, I hope that you and your families, friends and relatives are doing well.
Allow me to go straight to the third quarter results. I will qualify these results this quarter a very positive quarter within the environment
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