Good morning, and welcome to the investor presentation of Skagi for the second quarter, 2022. The quarter was good. We are glad to see that the investment income was positive in the quarter, despite challenging market environment. Nominal return was 1.1% and investment income ISK 450 million. The combined ratio was in line with our expectation despite we had a difficult winter, but we had no large losses. The inflation continue to increase, which impacted the combined ratio, but the combined ratio for the first six months is 102% compared to 101.6% last year. With that and cost reduction measures we have implementing and have planning to implement, we are glad to see that our forecast for the year is unchanged to have the combined ratio of 95%-97% for the full year. Here we see the highlight of the income statement, premium of ISK 5.9 billion, combined ratio of 98%, return on investment 1.1, as I said earlier. The profit ISK 476 million, return on equity 2.8% and solvency ratio 1.65. The same for this six month. We see the premium 11.6%, combined ratio 102, return on investment 1.9%, the profit ISK 550 million, return on equity 3%, and solvency ratio, of course, the same, 1.65. Looking into the insurance business, we see the development of premium increasing by 4.6%. We have been very focused on sales, and we have implemented a new structure which is supposed to strengthen us on that side. We will continue emphasis on the most profitable customers in order to decrease the combined ratio and we have a huge focus on customer experience and business development. One thing that we're very proud to launch in a couple of months is the VÍS Reward Loyalty Program. We will be the first Icelandic company to have customer loyalty implementing the premium. If you are been a customer for a long time, you will gain from that clearly. We will also use the loyalty program to have communication with our customers, to know the customers that we have, see a lot of profitable and good opportunities in that area, and we are really looking forward to launch this in the coming months. Looking at the development in claims, we see the total claims decreasing by 3%-6%, and we see in the line of business the claims ratio higher in the motor other, the Casco, coming from a relatively challenging winter with regard to the motor. The mandatory motor is lower than the current year 2021, which is good. Of course, the liability in 2021 is higher, but that claim we have reported earlier, the largest part there was fully reinsured. It's also worth noticing the impact of the change of interest rate and inflation and how it impact the income statement. When the inflation and interest rate are changing that dramatically as it has been for the past year or so, it is good to have in mind the effect on the income statement. We see the claims ratio being in the second quarter 74%, but it's impacted by two large factors, positive runoff for the earlier years, but also 5% is due to the inflation expectation. Looking at the operations, we see the development of the combined ratio for the rolling 12 months coming to a level which we have set as a target. The operating expenses we see there on the top right picture we see how it has developed in ISK, and it is also worth noticing that, for example, the quarter two in 2020 is ISK 10 million lower than in quarter two in 2018. This is due to the internal work we have set ourselves as the target to hold the expenses on the same level in ISK. It's also worth noticing the expense ratio for the quarter two this year. It's 0.2% lower than compared to the same quarter last year. It's also worth noticing the reason for it. In April, we have changed our structure, which we have fewer employees. We had fewer employees. We implemented the structure and layoffs, which impacted the expense ratio. We see the development of the month coming in May and June, and we expect the same effect to have the lower expense ratio compared to the year 2021. We have been working on changing our infrastructure and optimizing the operation, and we have set aside cost reduction measures which implement the second part of the year as well as the year going forward. Looking at the balance sheet, we see the cash and cash equivalents increasing, but I think it's better for Arnar, Head of Investment, to talk a little bit about the balance sheet and the investment for the company. Thank you. Thank you, Helgi. It's fair to say that second quarter was very difficult on asset markets here in Iceland as well as globally. We saw both fixed income and equity indexes going down during the quarter. Given that fact, we are quite happy to show positive results for the quarter of ISK 452 million. Three points I would like to stress. Firstly, return from the fixed income portfolio was positive, which is really good compared to the market. Listed equities, though they were down by ISK 1 billion, outperformed the market. The biggest news in the quarter is perhaps other equities, which rose ISK 1.3 billion. That's due to increases in the value of Kerecis on one hand and Controlant on the other. If you look at the asset allocation, you can mainly see that cash is rising mainly due to market conditions in fixed income markets. We saw a decrease in listed equities, mostly due to decrease in the value of the portfolio. We see increase in other equities, mostly due to increase in the value. If you look at returns for the quarter, it's 1.1% compared to 6% during the same period last year, which is really positive year for the markets, and 1.9% return for the first half compared to 11.8%. If we look at the fixed income portfolio, which is ISK 26 billion, roughly 60% of our assets, you can see that our main change in the quarter, we are decreasing our inflation indexation. We are selling inflation bonds during the quarter, and you can see the inflation indexation goes from 60% down to 53%. We've been running on quite low duration for the portfolio, which comes to the fact that the performance of the fixed income part was positive during the quarter. Our 25% of our fixed income portfolio is on floating rates, which helps us well during this environment in the markets. In the bottom right-hand corner, you can see graph of the size of the investment assets, which has risen from ISK 34 billion to ISK 44 billion. The size of the portfolio is quite large compared to historical size. You can also see how the assets are split between fixed income and equities, and we are running around 40% in equities, as I said, and 60% in fixed income. Looking at the equity side, we have ISK 10 billion in listed equity and ISK 7 billion in other equities. On the listed equity part, we can see quite good performance compared to the market. If you look at the first six months, you can see we are 7.5% down during the period compared to 12% in the index, which is quite positive to see after really strong periods in 2020 and 2021 where we outperformed the market. The main changes we've done is we've been increasing our investments in the Icelandic banks, Arion banki and Íslandsbanki, as well as Icelandic Salmon and the airline PLAY. But we were decreasing Kvika banki and Festi and Ölgerðin, which was an unlisted equity in first quarter but is now listed on the Nasdaq Iceland. The biggest news perhaps is in the other equity part, mainly due to the fact that Kerecis is delivering ISK 916 million in investment income. This is roughly 200% return, and that's mainly due to the fact they were raising equity and we saw strong interest from foreign investors into the company, which set a really strong new price for the company. We've also seen some investments, trades with Controlant, and we've taken the value of the company from ISK 10,000 to ISK 12,800. All in all, the other equity part, which is private equity and unlisted equity, was really strong during the quarter. With that, I'll give it back to Helgi. Thank you, Arnar. Looking at the shareholders list, there's not much change there, but we see, as earlier, the pension fund, holding up to 50% of the shares, in the company. With that, last slide, we are very glad to see and, that our forecast for the year is at the same level as it was at the start of the year. The combined ratio being 95%-97%. With that, I'll say thank you, for this meeting. Have a good day. Thank you.