 Banco Santander S.A. NYSE:SAN Q3 2022 Earnings Conference Call October 26, 2022 4:00 AM ET Company Participants Begona Morenes - Investor Relations Jose Antonio Alvarez - Chief Executive Officer Jose Garcia Cantera - Chief Financial Officer Conference Call Participants Ignacio Ulargui - BNP Paribas Francisco Riquel - Alantra Alvaro Serrano - Morgan Stanley Sofie Peterzens - JPMorgan Carlos Cobo Catena - Societe Generale Marta Sanchez Romero - Citi Carlos Peixoto - CaixaBank Pamela Zuluaga - Credit Suisse Begona Morenes Good morning, everybody and welcome to Banco Santanders Conference Call to Discuss Our Financial Results for the Third Quarter of 2022. 