Good afternoon, everyone. Welcome on Citi Handlowy earnings results for second quarter 2026. My name is Adam Piotrak. I am the Head of Investor Relations. I am with Maciej Krywoniuk, Head of Strategy and Investor Relations Department. We will go through the key highlights of Citi Handlowy in second quarter and financial results. The presentation is on your screen, and also you can find on our website, investor relations, citihandlowy.com. Maciej, over to you. Thank you very much, Adam, and hello, everyone. Thank you for joining the Q2 earnings call for Citi Handlowy. We will start with the presentation, and I invite you to the Q&A session at the end of the meeting. Q2, quite intense quarter for us. We have completed the sale of our consumer business, as we have informed all of the stakeholders. We embarked on the new chapter for the bank, which is the bank for global business chapter, where we laid out the plan for the dynamic growth in institutional banking. More about the highlights of the second quarter results. For the total bank, the revenue reached PLN 878 million. This is including consumer bank, and the net profit reached PLN 321 million. This left us with ROE at the level of 21%, so healthy returns. It was the quarter characterized by the growth of the balance sheet, with loans growing at 16% and deposits growing at 12%. This is post the exit from the consumer banks, because at the end of the quarter, the balance sheet did not include the consumer banking assets. In a nutshell, that was the sixth consecutive quarter of the lending growth. The global clients remain a key pillar of the lending portfolio in the bank. They hold a 38% share in the lending portfolio. We have been growing FX volumes, which grew by 14% quarter-on-quarter, reaching record high levels. It was a quarter with strong transactions executed both on the equity and debt markets, which the volume amounted to PLN 7.4 billion. Briefly on page three, we want to touch on the new reporting structure for the segments post exit from the consumer banking. As you can see, we have implemented two new operating segments reflecting our integrated business model. The first one is corporate banking, which is encompassing the services and banking. By services, we mean transaction services and custody with liquidity management, payment products, trade finance, and custody services. The relationship banking represents the investment banking and financing solutions for our clients. The financial market segments is what at Citi terms is called markets, and it covers both the client activities, so the FX, risk management, capital markets, and brokerage, as well as interbank operations. By this, we mean debt, financial instruments, and derivatives. We are capitalizing on our competitive advantages, primarily globality. We are present in 24 countries in Europe, and the global clients are responsible for 41% of the bank's revenues. The relationship we have in the bank are the long-standing relationships with heavy product load, with 3.8 products used by our institutional clients on average. Around 60% of clients are with us for at least 10 years. So really long-standing and deep relationships that we have with our clients. Moving on to volumes, which are on page four. The lending volumes in corporate banking grew by 2% quarter-on-quarter. It has been 16% year-over-year. The primary driver in terms of the segments was the corporate client segment with growth of 17% quarter-on-quarter and 22% year-over-year. The deposit volumes were also growing. They reached, in fact surpassed PLN 47 billion in the deposit volume in the second quarter. The deposit portfolio grew by 3% quarter-on-quarter and 12% year-over-year. In terms of the business volumes, you see the growth rates on the right-hand side on page four. In fact, in every product line, the volumes were growing, especially strong transaction activity in our services area, where trade finance assets grew by 34% year-over-year. Assets under custody were up 22% as well. We have granted PLN 1.4 billion of new financing to our clients. It includes also increases in the current facilities. Moving on to landmark transactions, which are on page five. These are just the flagship deals from Q2, and these are public. Of course, that is what we can share with you, but there was much more behind the results. As you see, the key flagship transactions range from syndicated loans through DCM transactions and also capital markets transactions. We have been also granted the Best Funding Solution, so the Adam Smith Award for Play, where we have concluded the export agency-based financing. We have been also nominated and received the Poland's Best Investment Bank for M&A Euromoney Award 2026. Traditionally, moving on to page six, Q2, and specifically June is a month where Global Community Day happens around the globe, and Citi Handlowy was also active here with more than 1,800 Citi volunteers supporting 117 organizations with 24,000 beneficiaries. So this is our effort to be engaged in the communities we operate in every day. Coming back to the business. Page eight, which is the revenue picture for the quarter. The total revenue in corporate banking, the top line, reached almost PLN 700 million, which is a decline quarter-over-quarter by 28% and also year-over-year on a quarterly basis. However, if you look at the segment of corporate banking, it was up 7%. The drivers behind the growth were ranging through different product areas, from FX volumes, from payments, from trade finance, as well as brokerage. In financial markets, the quarter specifically was down by 53%, but that is the reflection of the calendarization effect. Because when you look at markets' results more in the long term, which we did, as you can see on the page, looking at the first half of 2026 vis-a-vis the 2025. So in the corresponding period last year, the revenue was lower by PLN 130 million. So 2026 represents 20% growth, H1 to H1, year-over-year. Pretty balanced view in terms of the segment revenues. It is a well-balanced model in terms of the operating segments. Moving on to the next page nine, which is the net interest income page. We have generated almost PLN 460 million in NII this quarter. The growing lending volumes were supporting the growth in the clients' interest income. When you look at the corporate banking segment, the 2% growth is the reflection of the lending portfolio growth I've just mentioned. In the financial market space, the NII was down 9%, and the drop was driven by the interest expenses. This is linked with the liquidity that was required to be accumulated for the consumer bank exit transaction. A bit specific quarter in terms of the nature and the transactions that we have executed. When you look at the interest rate forecasts, the house view is that the rate will remain in 3.75, which most likely will help to stabilize the net interest income levels. Very strong quarter on page 10. Very strong quarters in net fees and commission line. In fact, all business lines contributed to the result of PLN 119 million, which is 10% up quarter-on-quarter and 11% up year-over-year. Strong fees related to capital markets. I've mentioned the transactions in the capital market space, and they were also supporting the fee line growth. The trade finance assets, which grew by 34% year-over-year, also contributed to the fee line. Moving on to page 11, which is the financial markets page. The numbers, the treasury results numbers that you see on the page are the view that is post-transfer pricing, and Q2 revenues reached in treasury PLN 273 million. What's behind the change? The primary components of the change are the trading results and the FX results, but it's more a function of calendar. When you look, as mentioned, into first half to the first half last year, this year was PLN 850 million, and last year was the PLN 722 million of treasury results. More into looking at this in the long term. Quite strong first half in terms of the treasury results, as you see on the page lower and specifically in Q2. I think what worth noting on the page is also that despite the growing volumes, there's slight drop in the income on FX client activity, 3% drop. It's attributed to the higher tickets transactions which are characterized by the slightly lower spread, and this is the explanation for the 3% drop in the income on FX. What's good news, that right bottom graph, where revaluation reserve is growing, there is a positive change of around PLN 200 million that improved the position in the revaluation reserves, so positively impacting our capital position. Moving on to expenses, page 12. Again, it's a quarter where the costs are down quarter-on-quarter by 37%, but it's important to remember that Q1 is a quarter where we need to include the regulatory expenses in the P&L. In fact, in the quarter, both the staff expenses and the admin expenses are slightly down by 4% and 3% quarter-on-quarter. They're traditionally lower in Q2, so it's also a calendar effect in a way. Moving on to year-to-date view, so the first half of 2026 versus first half of 2025. Coming into more details, the staff expenses were up, and the growth is PLN 28 million. There was also growth in the IT expenses. That is in fact the execution of our strategy of investing in platforms where we want to be more connected to better serve the global needs of our clients. In fact, the PLN 40 million growth is the reflection of our investments in the IT platforms, and it is both the front and back office, so client-facing and more process automation and tools for our employees linked to the automation. The regulatory expenses are up by 29% this year, the first half, and that is primarily contribution to the restructuring front of the Bank Guarantee Fund. Now moving on to page 13, which is the cost of risk page. The cost of risk, as you have noticed, is up. In fact, the growth that you see in the cost of risk line is a representation of two client relationships that have been reclassified to Stage 3. I want to stress that these are pretty much isolated cases and the overall portfolio quality remains good. When you look at the cost of risk at 47 basis points this quarter, it is elevated, but excluding the one-offs, the cost of risk remains at the healthy 19 basis points level. We are working with the clients to restructure, and we are heavily engaged with them at the moment. Yes, in fact, this is it. The page 14 is a summary. I will just maybe point to strong returns with ROE at 21% and ROA at 2.3%. Stressing the PLN 321 million of net profit. Some one-offs included in the results, linked with real estate sale of one of our headquarters building. This is also a representation of how we handle the stranded costs. Post-consumer exit, we did not require so much office space, and we have decided to sell one of the Warsaw buildings. I think it is important to note that the core revenue line, which is PLN 578 million, which is our underlying core business, is pretty stable. The strong capital position with capital ratio at 25.8% that you can see on the page, is a function of the lower credit risk requirements post-consumer bank exit. This will be a brief summary from my side in terms of the quarterly performance of the bank, and happy to take questions. I see there are no questions. Thank you very much again for joining. If you need anything from the IR team, please reach out to us. In terms of the quarterly earnings, we see each other in November. Thank you, Maciej, and have a nice evening. Thank you. Bye-bye.