Full Year 2019 Intesa Sanpaolo SpA Earnings Call Transcript
Good day, ladies and gentlemen, and welcome to the conference call of Intesa Sanpaolo for the presentation of the 2019 full year results, hosted today by Mr. Carlo Messina, Chief Executive Officer.
My name is Kyle, and I will be your coordinator for today's conference. (Operator Instructions) Today's conference call is being recorded. At this time, I would like to hand the call over to Mr. Carlo Messina. Sir, you may now begin.
Good afternoon, ladies and gentlemen, and welcome to our 2019 results conference call. This is Carlo Messina, Chief Executive; and I'm here with me Stefano Del Punta, CFO; Marco Delfrate; and Andrea Tamagnini, Investor Relations officers.
Before diving into the detail, let me say that we are very proud that the bank continues to deliver strong results despite an external environment that has been less supportive than expected for revenues, and we continue to invest for sustainable growth.
Low interest rates, while penalizing net
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