Q4 2020 Caixabank SA Earnings Call Transcript
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Sorry, let me start again. I hadn't pressed the microphone button on. Good morning. I hope you're all well, and welcome to CaixaBank's results presentation for the fourth quarter of 2020.
With us today is the usual management team of Mr. Gonzalo Gortázar, the CEO; and Javier Pano, the CFO.
If you are a first-time viewer, please follow instructions on your screen to participate in the subsequent Q&A. We should spend around 30, 35 minutes on presentation and 45 minutes after that for live Q&A.
Let me just end by saying that my team and I are available at the end of the call to take any remaining questions.
And without further ado, let me hand it over to CEO.
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Thank you, Eddie. Good morning or good afternoon, depending where you are. I guess, good morning for most of us.
I'll start with the highlights. We've seen the results now for a few hours. And
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