 Banco Santander S.A. NYSE:SAN Q2 2022 Earnings Conference Call July 29, 2022 4:00 AM ET Company Participants Begona Morenes - IR Jose Antonio Alvarez - CEO Jose Garcia Cantera - CFO Conference Call Participants Alvaro Serrano - Morgan Stanley Ignacio Ulargui - BNP Paribas Pamela Zuluaga - Credit Suisse Sofie Peterzens - JPMorgan Benjie Creelan-Sandford - Jefferies Ignacio Cerezo - UBS Carlos Peixoto - CaixaBank Andrea Filtri - Mediobanca Carlos Cobo Catena - Societe Generale Britta Schmidt - Autonomous Research Begona Morenes Good morning, everybody, and welcome to Banco Santanders conference to discuss our financial results for the first half of 2022. 