Q4 2023 Unicaja Banco SA Earnings Call Transcript
Good morning, and thank you for attending Unicaja Banco fourth-quarter results presentation. Our CEO, Isidro Rubiales; and our Chief Financial Officer, Pablo González, will be the ones presenting quarterly and annual trends, but also providing some color into 2024. As you know, we will hold a Q&A -- a live Q&A after the presentation.
So that said, I leave the floor to our CEO. Good morning, Isidro. Whenever you want.
Thank you, Jaime, and good morning to everyone. As you probably know, this are the first annual results following my formal appointment, and this is my first time presenting the results in person. So as you can imagine, it is quite exciting for me. I have been working at Unicaja Banco for more than 30 years in different roles with different responsibilities, and I have assumed the CEO role with a huge motivation.
I believe there is a lot of value in the company, which under my view is not reflected in current
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