...Welcome to the CGD's conference call. This call follows the first half 2024 consolidated results release, which took place yesterday. It is possible to follow the results presentation from the CGD website. The CFO, Mrs. Paula Geada, and the Head of IR, Mr. Nuno Pereira, will guide you through the presentation, and a Q&A session will follow. Good morning, everyone, and welcome to CGD's first half 2024 results presentation. I want to thank you for joining the call. To guide you through our presentation today, I will hand you over to CGD's Chief Financial Officer, Paula Geada. Thank you. Good morning, and thank you for assisting the call. I think you can, we can start, on page seven. The CGD maintains leadership in core sector. CGD is recognized by its customers, as can be seen its, leading positions in different products and services. Moving on to page eight, digital continues, to occupy a central position in Caixa strategy in first of 2024, it reflects the increase in the number of active digital clients, active mobile clients, and online sales. Customer experience was improved by new digital offer. Digital business is growing strongly, and CGD is market leader in Portugal with more than 2.3 million digital customers, of which 1.8 million were mobile customers, and the number of financial transactions, up 9% year-on-year. The share of digital sales is 80% in this period. Moving to page nine, CGD actively contributes to sustainable development, and this is another key pillar of our strategy. Caixa achieves an A rating in MSCI ESG rating, which evaluates companies' resilience to ESG risk. The leading classification awarded by this entity highlights the bank's contributions to risk management and implementation of initiatives in the financial environment, impact and governance, and consumer financial protections areas. Caixa continues to promote the different initiatives to support the transitions of critical sectors towards carbon neutrality, contributing to a more sustainable economy. In terms of governance, Caixa implements a corporate policy for climatic and environmental risk management. In terms of investment funds, the introduction of ESG criteria in fund management was reinforced. On page 10 and 11, and in terms of awards, CGD was distinguished by several entities in categories such as a brand, capital, human resource, digital, ESG, investment banking, and asset management. I want to highlight, CGD is the most valuable banking brand in Portugal. Moving to page 12, and after the upgrade assigned in September 2023. In July 2024, Fitch Ratings reviewed CGD's outlook to positive. In its assessment, Fitch highlights CGD leadership in domestic markets, moderate risk profile, good asset quality, strong increase in profitability, ample capital buffers, and funding based on granularity of deposits. Thus, after four rating upgrades in 2023, CGD is currently in a positive outlook by two agencies, with the prospect of an upgrade during this year. Moving to the results and balance sheet and going to page 14, we can see the breakdown of the net income. CGD achieved a net income of EUR 889 million in the first half of 2024, 46% growth compared to the same period of last year. CGD benefited from the growth in business volumes, the positive evolution of the net interest income, and the lower cost of risk sustained in the more favorable macroeconomic scenario. Domestic activity contributes with EUR 791 million to consolidate results, and international activity with EUR 100 million. I want to highlight that with these results and the last recent evolutions of CGD's results allow us to pay an additional dividend of EUR 300 million to the EUR 525 million already paid, fully reimbursing the public recapitalization in cash carried out in 2017. But I talk more about this in the next slide... Moving forward to page 15, we would like to remind you that the results accumulated after the recapitalization only on last year made it possible to offset the losses accumulated between 2011 and 2016. And the return on equity since 2011 reached 1.2%, while in the period after the recapitalization rose to 9.1%. On page 16, the year-on-year growth in net interest income is justified by the growth of the net interest income domestic treasury of EUR 148 million, liquidity remuneration benefits from market development, deposits in central banks, and the reversal of provisions and impairments for credit of EUR 241 million, justified by the improvement in the macroeconomic environment above expectations. On page 17, we can see the evolutions of net interest income. The net interest margin on six months was 2.6%, with a growth of 0.1 percentage point compared to the same period of last year. Despite the recent reductions in the Euribor, the margin growth supported by the increase in volume of loans and deposits. On the retail side, we felt the impact of the high cost of deposits, while loan repricing starts to reflect the lower interest rates in this year. The increase in interest paid on the remunerations of deposits exceeded the variations in interest received, resulting in a negative contribution of EUR 14 million. On the other hand, the contributions of treasury activities and security portfolio management increased of EUR 157 million. Going to the next page, page 18, we can see that interest rates peaked in October last year and are in a downward cycle. On next page, and about commissions. Commissions decreased 0.1 in consolidated and 1.6 in domestic, compared in the same period of 2023. As you can see, in the right-hand graphic, credit and other commissions decreased EUR 10 million. This evolution is mainly justified by the application of exceptions and by the lower processing fees, lower commissions of interbank service, and lower fees in the introductions of financial instruments. On page 20, the recurrent operating costs increased EUR 3 million, which represents an increase of 0.7% year-on-year on consolidated, and 0.1% on Portugal. There was an increase in employee costs at 2.3% and a decrease in general administrative expenses, down 4.8%. The increase in employee cost reflects an average adjustment of 3.25% in rates. Including non-recurrent effects, the operating costs down 4.1% on consolidated and 6.1% in Portugal in this period, justified by the decrease in employee costs due to extraordinary effects related to the employee restructuring program. Overall, the costs are growing at a very controlled level. Skipping to page 21, CGD maintained the level of efficiency recorded in 2023, stabilizing its recurrent efficiency ratio cost- to- income in the first six months of this year at 25.4%, result of the evolutions of core income and the work to contain costs despite the level of inflation. The recurrent cost of income is lowest on the national banking and the European sector. Going to the next page, page 22. I want to highlight the increase in income, resulted in an increase in taxes of around EUR 96 million in June, compared to June last year. In 2024, CGD already paid EUR 423 million in income tax related to 2023, and will make EUR 470 million in payments pertaining to income tax to be throughout the current fiscal year. On the next page, the international activity contributes to EUR 99 million. This activity was negatively impacted by exchange rate variations, particularly in the activity of the particular activity in Angola. Among the international entities, BNU Macau and BCI in Mozambique were the arms that made the largest contributions to the CGD group's net income. Moving to the next page, on page 24, we can see the very positive evolutions of net assets and business, and the business turnover. CGD records a business volume of EUR 142 billion in June 2024, an increase of 2.7, compared to the value of EUR 138 billion recorded at the end of 2023. CGD consolidated net assets reached EUR 104 billion at the end of June, an increase of 6.2% compared to last year. On the next page, page 25, customer resources increased with competitive deposit remuneration. In this six months, customer resource grew by 3.1%, due to the growth in deposits. Caixa offered a very competitive range of deposits to meet client needs and objectives, and the off-balance sheet remains stable with an increase of 0.4%. Moving to page 26, Caixa continues to be a trusted brand for the Portuguese and maintains its leading position in total customer deposits with a 22.8 market share. In individual customer deposits, Caixa reports a market share of 31.4%, and they have the leader position, too. In the domestic market, the customer deposits increased 6% year-on-year, and 3.9% year-to-date. Skipping to page 27. In Portugal, loans and advance to customers grew 1.7% year-on-year, and 1.8% year-to-date. This growth was higher than the market, reflecting a competitive and competitive and diversified offer based on a strong commercial dynamic. CGD is the market leader in the market shares of 17.6%. I want to highlight the growth of credit in SME, one of the strategic pillars of support of the economy. Moving on to page 28, corporate public sector loans portfolio grew 3.7 year-to-date, and 2.5 year-on-year, with a market share of 17%. Higher growth than the market is consistent with our strategy of economic support. Skipping to the next page, page 29, when you look at stock of mortgage loans in Portugal, there was an increase of 0.2% year-to-date, and 0.7% year-on-year. CGD maintained the leadership with the 23.2% of market share. This performance is very positive, given the current highly competitive market scenario. On the next page, we can see, page 30, the new mortgage loan, it presents an increase of 39% more compared to the same period of the previous year. This was only possible due to a competitive offer of products and by the promotions of new fixed and mixed rate campaign. The rate of fixed mixed rate loans increased to 89% of the new loans. In addition to the new two-year fixed rate offered, Caixa was made a new three and five-year fixed rate offer this year. Skipping to the next page, 31. The LTV [saw] the last year's decrease in portfolio 60 basis points and 11 basis points on new contracts. CGD has a high quality mortgage book with only 10% of loans having a LTV above 80%. I think it's important to stress that CGD maintains prudent lending criteria, reinforcing the ability to absorb potential adverse shocks in the future. On the next page, 32, Caixa maintains proactive support for families in the first half of this year by reducing the spread of mortgage loan operations and switching contracts to a fixed and mixed rate. On the next page, page 33, the consumer credit maintained the growth trajectory with a growth of 8.4% year-on-year, and 4% year-to-date in the last six months. The new loan market share is 6.2% and the CGD wants to reach higher. About the asset quality on page 34, the volume of the non-performing loans maintains a stable behavior, and the net non-performing loans net of specific impairments remains below the national and European average. Moving to page 35, the NPL ratio reached 1.66%, compared to 1.65% in December. The lowest value is national bank and below European average. In June, the total coverage is 184%, and the NPL net of impairment remains at zero. Skipping to the next page, page 36, the cost of risk in the period was -40%. This reflects improvement in the macroeconomic scenario and the positive evolutions of credit quality. On next page, 37, when you look at breakdown and evolution by stage of our credit, both consolidated and domestic, it is pretty stable. Stage 3 remains at very low level and decreasing these two as a result of non-performing credit sales and cures. Regarding Stage 1, there was a decrease as a result of the improvement of the risk profile of clients and the reduction of the amounts in debt. Resulting from better than expected improvement in Portuguese macroeconomic environment, there was migration from Stage 2 to Stage 1. The Stage 1 loans represent 88.4% of the loan portfolio, and the evolutions of this Stage reflects a better quality portfolio growing. Going to page 38, the non-core assets continues to decline. The real estate available for sale decreased, both in terms of properties of the existing pension fund, and REO assets, by a total of EUR 30 million. The corporate restructuring also decreased EUR 27 million. Skipping to page 39, the size of the security portfolio increased in 2024 as deposits increased and yields became more attractive. It represents around 50% of assets, in line with the recent past. The risk profile was remained unchanged, with a concentration on Euro bond sovereign, although the attractive level of credit has led to further investment this year in this segment. On the next page, page 40, with regard to CGD Group funding structure, customer deposits assume a fundamental role, representing 90.3% of total consolidated liabilities. The liquidity position remains robust and sustainable, and the loan-to-deposit ratio in June of this year stood at 61.8%. On page 41, you can see despite the robust and sustainable liquidity position, CGD has a net capacity to access funding. At the end of June, the total value of CGD Group deposits and assets available as collateral for the Eurosystem amounts to around EUR 4 billion. The liquidity coverage ratio stood at 329%, a value much higher than the current regulatory liquidity coverage requirement of 100%. On the next page, on page 42, the MREL ratio as of June 2024 was 28.09% of total risk weighted assets, exceeding the target level determined by the resolution authorities, and this is the 26.33%. In terms of capital ratio, on page 43. We can see that the CGD exhibits the regulatory requirements to CET1 and total capital ratio. The capital ratio reached 21% of CET1 and 21.3% of total. After the distributions of dividend of 525 million EUR. After the payments of traditional dividend of 300 million EUR, we estimate the impact on capital ratios around minus 65 basis points, although the CGD capital ratio remains above 20%. On page 44, as we've seen before, and in order to return the total recapitalization in cash to the State, an additional EUR 300 million was approved in terms of dividends, extraordinary dividends. With this, in 2024, CGD will distribute dividends of EUR 105 million. I think it's very important to say this payment is following the full repayment of the private debt commitment last year. Skipping to page 45, I want to highlight the increase in results, enabled CGD to achieve EUR 9.9 billion in equity capital, and to generate since 2017, organic capital of EUR 5.2 billion, exceeding the recapitalization plan EUR 3.9 billion. CGD paid a total amount of EUR 2.2 billion and retained capital of EUR 3 billion. Capital generated since 2017 exceeds by 1.3 x the public investment of the recapitalization plan. Finally, on page 46, just the comparison with the Portuguese and European average. CGD compares very well with all players in the, in this period, in terms of profitability, asset quality, efficiency, and capital. And I want to say that we remain committed to remunerating our stakeholders appropriately while maintaining a great risk management, always with the aim of serving our clients better and supporting the economy. Thank you very much. Now, at this time, if you would like to ask a question, please press star one on your telephone keypad. There are no questions at this time. I'll turn the call back over to you, Mr. Nuno Pereira, for any closing remarks. Okay. Well, I just want to thank everyone for joining the call today, and should you have any queries in the future, please feel free to contact the investor relations team, and thank you again. Have a nice day. Thank you, and thank you for attending the conference call. The audio webcast will be available on the CGD website. You may disconnect at any time, and have a wonderful day.