Q4 2019 Banco Santander SA Earnings Call Transcript
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Good morning, everyone. Thanks for joining to this Grupo Santander 2019 Earnings Presentation headed by our group Executive Chairman, Ana BotÃn; and José Antonio Ãlvarez, the group Chief Executive Officer. Our Chairman will address in detail the performance of 2019 in terms of P&L, balance sheet. And obviously, our group CEO will cover in much more detail, the bottom-up on a country-by-country basis. The Chairman then will follow-up with our business model that delivers the prospects in terms of profitability growth, and we'll jump into Q&A.
So with no further delays, please, Ana.
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So thank you. Good morning. So thank you very much, Sergio, and good morning to everybody. I will begin by summing up the year. 2019 was a very good year for us. We have delivered on both growth, profitability
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