Full Year 2019 Caixabank SA Earnings Call Transcript

Jan 31, 2020 / 11:00AM GMT
Edward O'Loghlen - CaixaBank, S.A. - Director of IR

Hello. Good morning, and welcome to CaixaBank's Results Presentation for the fourth quarter of 2019 and for the full year.

With us today is the CEO, Gonzalo Gortázar; and the CFO, Javier Pano. If you are a first-time viewer, and we do have some of those, please note that we plan to spend around 30 minutes presenting and 45 minutes for live Q&A. And you should have instructions on your screen to participate in that. Let me just end by saying that my team and I will be available after the call.

And without further ado, let me hand it over to our CEO.

Gonzalo Gortázar Rotaeche - CaixaBank, S.A. - CEO & Executive Director

Thank you, Eddie, and good morning, everybody. I will try to be brief as by this time, obviously you've seen the results. But I just want to highlight the main messages from results we're presenting today for 2019.

Clearly, on core revenues, we had a very good end of the year, particularly on the fee and insurance side in the

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