Q4 2022 Caixabank SA Earnings Call Transcript
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Good morning, and welcome to CaixaBank's results presentation for the fourth quarter of 2022. Joining us today are the CEO, Gonzalo Gortazar; and the CFO, Javier Pano.
For first-time viewers, just a reminder of the logistics, we plan to spend around half an hour with the presentation and up to an hour with a Q&A. And of course, if any questions remain unanswered, the IR team is at your disposal after the event. And with that, let me hand it over to the CEO, Mr. Gortazar.
Good morning. Thank you, Eddie. Thank you, everybody. Let's get into the presentation immediately. It's been certainly for us a very solid year, and I think we finished it with a very strong operating momentum, not just because of the activity, you see given the relatively low growth in the Eurozone for us to see performing loans up 3.3% and having had also positive net inflows in our long-term savings despite the market volatilities,
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