Q3 2023 Banco Santander SA Earnings Call Transcript
Good morning, everybody, and welcome to Banco Santander's conference call to discuss our financial results for the first 9 months of 2023. Just as a reminder, both the results report and presentation that we will be following today are available to you on our website.
Let me just highlight that during the presentation, when we refer to global and network businesses, we are following the definition which was given during our Investor Day last February as the new reporting and full management of the group through global businesses will begin in January '24.
I am joined here today by our CEO, Mr. Hector Grisi; and our CFO, Mr. Jose Garcia Cantera. Following their presentations, we will open the floor for any and all questions that you may have in the Q&A session. (Operator Instructions)
With this, I will hand over to Mr. Grisi. Hector, the floor is yours.
Thank you, Begona. Good morning,
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