Q3 2021 Banco Bilbao Vizcaya Argentaria SA Earnings Call Transcript
Good morning, everyone. Welcome the BBVA Chief Financial Officer. As in previous quarters, Onur will start with the presentation of group results, and then Rafa will review the business areas. Then we will move straightforward to the live Q&A session. And now I will turn it over to Onur to begin with the presentation.
(foreign language)
Good morning, everyone. Welcome, and thank you for joining BBVA's third quarter results audio webcast. As Patricia said, I'm also very glad to have Rafa Salinas here today in his first earnings presentation. So please be gentle today. It's his first as the group's new CFO. As you know, Rafa was formerly our Chief Risk Officer, with more than 30 years experience in the group. So welcome Rafa to these meetings.
Let me jump into it. Let me start with Slide #3. On the left-hand side of the slide, you can see the performance of
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