Q3 2019 Intesa Sanpaolo SpA Earnings Call Transcript
Good afternoon, ladies and gentlemen, and welcome to the Conference Call of Intesa Sanpaolo 2019 Third Quarter Results, hosted today by Mr. Carlo Messina, Chief Executive Officer.
My name is Diana, and I will be your coordinator for today's conference. At the end of the presentation, there will be a Q&A session. (Operator Instructions) Today's conference call is being recorded. And at this time, I would like to hand the call over to Mr. Carlo Messina. Sir, you may begin.
Good afternoon, ladies and gentlemen, and welcome to our results conference call for the first 9 months of the year. This is Carlo Messina, Chief Executive, and I'm here with Stefano Del Punta, CFO; Marco Delfrate and Andrea Tamagnini, Investor Relations Officer.
Before diving into the details, let me say that ISP continues to deliver strong results despite an external environment that has been less supportive for revenues than expected. Low interest rates, while penalizing net interest income,
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