Q3 2022 Banco Santander SA Earnings Call Transcript
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Good morning, everybody, and welcome to Banco Santander's conference call to discuss our financial results for the third quarter of 2022. (Operator Instructions)
I'm joined here today by our CEO, Mr. Jose Antonio Alvarez; and our CFO, Mr. Jose Garcia-Cantera. Following their presentations, we will open the floor for any and all questions you may have in the Q&A session.
With this, I will hand over to Mr. Alvarez. Jose Antonio, the floor is yours.
Thank you, Begona, and good morning to everyone. Thank you for attending to this conference. So I should say, to start this presentation, that while we've been developing our activity in an unusual highly uncertain macro environment, in this environment, we've been able to keep growing our customer base and translating this into volumes growth and revenue growth. So the most remarkable change in the quarter probably has been starting the acceleration of NII with a growth of 5
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