Q4 2019 Banco Bilbao Vizcaya Argentaria SA Earnings Call Transcript
Good morning, everyone, and welcome to BBVA Fourth Quarter 2019 Results Presentation. I'm Gloria Couceiro, Head of Investor Relations; and here with me today is Onur Genç, Chief Executive Officer of the Group; and Jaime Sáenz de Tejada, BBVA Group CFO.
As in previous quarters, Onur will begin with the presentation of group's results, then Jaime will review the business areas, and then Onur will update on the strategy, before moving to the live Q&A session. So now I'll turn it over to Onur to start with the presentation.
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Thank you, Gloria, and good morning to everyone. Welcome, and thank you for joining our fourth quarter results audio webcast. So let's just jump into it.
Starting with Slide #3. We are, once again, reporting an excellent quarter, in our view, in terms of results, value creation and capital generation. As all of you know, we highlight 3
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