Full Year 2019 Caixabank SA Earnings Call Transcript
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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.
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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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