Q3 2021 Banco Santander SA Earnings Call Transcript
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Good morning, everyone. Thanks for joining today's Santander 9-Month 2021 Earnings Presentation. As every quarter, our group CEO, Mr. José Antonio Alvarez, will address the highlights on the group performance, then the group CFO, Jose Garcia-Cantera, in detail, will 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.
Jose Antonio, please?
Okay. Thank you, Sergio. Good morning to everyone. Thank you for joining us in this third quarter results presentation. I think the results show the business momentum we are having with another solid set of results in the Q3. The operating income, pre-provision profit is growing 11% year-on-year in constant euros. Revenue was up 8%, driven by the rise in volumes, loans, deposits and mutual funds. And this comes along with a growth in
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