Q4 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 fourth quarter of 2023. Just as a reminder, both the results report and the presentation we will be following today are available to you on our website.
I am joined here today by our Executive Chair, Ms. Ana Botin; 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.
With this, I will hand over to Ms. Botin. Ana, the floor is yours.
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