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      "text": "We have not yet seen any relevant impact on business activity; do not expect any material impact in Q1. Expect underlying earnings in Q1 broadly in line with previous quarters... Looking ahead, at this stage it is too soon to predict the impact... Our strong pre-provision profit (c.€26 billion in 2019, 3x cost of risk)... Based on current outlook we still target to be at the top end of our CET1 FL guidance range by the end of 2020",
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      "text": "Santander has taken action to protect the wellbeing of our employees, customers and shareholders... Employees in large centres working from home... Shareholders to participate remotely... Access to liquidity provided for customers... Santander has in place the necessary contingency plans",
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