 Banco Bilbao Vizcaya Argentaria, S.A. NYSE:BBVA Q3 2022 Earnings Conference Call October 28, 2022 3:30 AM ET Company Participants Patricia Bueno - Head of Investor Shareholder Relations of Finance Onur Genc - Chief Executive Officer Rafael Salinas - Group Chief Financial Officer Conference Call Participants Ignacio Ulargui - BNP Paribas Alvaro Serrano - Morgan Stanley Sofie Peterzens - JPMorgan Maks Mishyn - JB Capital Carlos Cobo - Societe Generale Pamela Zuluaga - Credit Suisse Andrea Filtri - Mediobanca Ignacio Cerezo - UBS Britta Schmidt - Autonomous Research Marta Sanchez Romero - Citi Carlos Peixoto - CaixaBank Fernando Gil de Santivañes - Bestinver Patricia Bueno Good morning, and welcome everyone to the BBVA Third Quarter 2022 Results Presentation. 