Q4 2023 Banco Santander SA Earnings Call Transcript

Jan 31, 2024 / 09:00AM GMT
Begona Morenes - Banco Santander, S.A. - Global Head of IR

Good morning, everybody, and welcome to Banco Santander's conference call to discuss our financial results for the fourth quarter of 2023. Just as a reminder, both the results report and the presentation we will be following today are available to you on our website.

I am joined here today by our Executive Chair, Ms. Ana Botin; our CEO, Mr. Hector Grisi; and our CFO, Mr. Jose Garcia-Cantera. Following their presentations, we will open the floor for any and all questions that you may have in the Q&A session.

With this, I will hand over to Ms. Botin. Ana, the floor is yours.

Ana Botin-Sanz de Sautuola y O'Shea - Banco Santander, S.A. - Group Executive Chairwoman

So thank you, Begona, and good morning to everybody. Itâs a great pleasure -- good morning, everybody, and thank you, Begona. Great pleasure to be with you all, and thank you for joining. As a reminder, we have recently announced a last step towards ONE Santander. We finished the creation of

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