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Q4 2020 Banco Santander SA Earnings Call Transcript
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Good morning, everyone. Thanks for joining today's Banco Santander 2020 full year earnings presentation. As every Q4 with full year presentation, we have today our Executive Chairman, Ana BotÃn, who will address with the CEO the performance of 2020 and the different regions and some of the country's review. Then the Executive Chairman will make a disclosure on the progress on the transformation and the next steps that we will kick off from 2021, to conclude with medium-term outlook and key takeaways before jumping into the Q&A session.
So with no further delays, Ana, please.
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So thank you, Sergio, and good morning, everybody. And I want to start by saying that I hope you and your close ones are safe and well. It's been a difficult year for everybody. And all of us have lost colleagues and friends.
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