Hello, everyone. Nice to have you all on our regular presentation of the results, this time for the first quarter of this year. I will remind that the financial information which we will present is non-audited and it is IFRS based, and it represents our group level financials. Now I'm moving to the first slide, the introduction, the executive summary of our presentation. As usual, I will start with the commercial activity, which again, as many quarters in a row, has been very vivid. We have increased our loan portfolio by 21% year-on-year, where again, the corporate lending activity has been a very important contributor with 31% yearly growth. Again, our individuals retail business recorded important production, RON 1.9 billion in consumer loans and RON 1.4 billion in housing loans. Related to our commitment to the sustainability and to the green financing which we are providing to our clients, for the first quarter, we had a new production of EUR 207 million. If we go back to our cumulative results on this KPI, we have by far much more than what we have planned in the past, we are advancing very well in this area. Our deposits advanced by 5% year-on-year, compared to lending activity, which was more vivid, for the reason that we did not want to involve in necessarily price competition because our liquidity, as my colleagues after that are going to describe, has been at satisfactory level. Regarding our digital development, as you know, our most important digital tool for private individuals is called YOU BRD, our mobile banking application. Its users grew by 19% year-on-year to date totaling at 1.76 million users out of our total number of private individuals of 2.1 million. You see it's a very important proportion of our clients using it. All this commercial activity resulted in a very good financial performance. The GOI grew by 11% year-on-year. The health of our lending activity is reflected in the NPL ratio of 2.2% as of end of March this year, below the industry average. The NPL coverage ratio stood at 78% at the end of March, also above the industry average. The cost of risk had a net charge of EUR 79 million for the first quarter. You know that we have mentioned for several quarters that we were expecting normalization of our cost of risk because we also normalized our commercial activity. All this resulted in a growing profit by 7.2% year-on-year, to RON 350 million in the first quarter, and return on equity of 15%. This return on equity is also impacted by the fact that we have more capital, more equity than actually the regulatory requirements. Now I'm going to pass the floor to Claudiu, our Deputy CEO in charge of financial markets, to present the macro. Thank you, Maria. Hello, everyone. This solid commercial and, as you will see, financial performance were possible in spite of some headwinds that we all know are there on the macroeconomic front, particularly now in this context of tariff tensions and probably slower economic growth in Europe. Therefore, the main trading partners of the country will, to a certain extent, be affected by all these aversions. Romanian economy, however, as it was the case in 2024, remained, in spite of these challenges, among the economies having shown relatively stronger growth on a relative basis among the top best performing economies in 2024. Whereas in 2025, the expectations are for the economy to have a better performance than in 2024 at 1.6%, according to the IMF, and to further accelerate in 2026. The inflation remained relatively high, still the highest in Europe. It's currently at slightly below 4.9%, but definitely it is easing. Towards the end of 2025, the expectations of the central bank is for it to land at 3.8%, continuing then its gradual path downward towards the 3.1% in 2026. Due to this stickiness in inflation, the central bank, and also due to the elections environment, the central bank decided to remain cautious, to not change the monetary policy rate, which stays at 6.5%, which is somehow helping the interest rates, which remain stable and at relatively high levels. Probably in the after-elections environment and after more information on the fiscal policy will become clear, the central bank will start thinking at operating some cuts later on in the second half of the year. We also note a resumption in the increase of the liquidity in the banking sector that had decreased at the end of last year. This is to be understood, knowing that the fiscal stance remains relatively loose before the elections. Even though some corrections will be operated this year with a budget deficit formally expected at 7%, we can continue to consider that this is supportive for the economy overall. Whereas the banking sector is concerned, the ratios remain robust on both the solvency and liquidity, and the asset quality indicators continue to perform relatively well compared to the recent past and even to the EU average, even though at February, the NPL ratio increased a bit at 2.49% compared to the year-end 2023 at 2.46%. The coverage levels remain robust above the average level of the European Union. I think we can continue now with a deep dive in the bank PBB. Please, I'm going to. Pass to my colleague, Mădălina. Thank you very much, Claudiu. Hello, everybody. Again, the first quarter mark a confirmation of our consistent strategy of growing and increasing in market share and a strong, I would say, momentum into confirming the omni-channel strategy by intensifying the usage of the digital channel while continue optimizing the traditional footprint. In the first quarter, year-on-year, we mark a double-digit increase in number of users in our internet and mobile banking platform. We continue to grow the number of transactions performed through digital channels as well as alternative, I would say, operations like factoring LCs, letter of credit, and letter of guarantee processed through client interface digital solution. We enhance as well and we enlarge the loyalty programs. The cashback program actually reached nine months from its launch. RON 2.3 billion has been actually repaid to customers in different form for the loyalty of using cards and alternative channels, in a way supporting the cashless strategy at the country level as well as our own strategy for the cashless, which actually is shown by our enlarging capabilities for 24/7 area in banking points by 37% year-on-year at the end of March. As I mentioned, we continue to reduce the traditional footprint 9%. We are, end of March, 358 number of branches. All this optimization on top of the digital channel solution and the cashless 24/7 point is supported as well by the contact center with very high-quality customer interaction, reaching 81% service level in the first 20 seconds and handling above 97% of the call with less than 15 seconds average time for talking. Very efficient calls. In terms of lending, first quarter, a very strong lending growth across all segments, 20.5% year-on-year, 60 basis points growth in lending market share for BRD, which was strongly supported by the corporate lending, 30.9% year-on-year growth with an excellent performance in SME, including the EU funds and all the programs under the resilience plan, as well as leasing portfolio, very well diversified. Retail as well continue its growth, 15% year-on-year on core retail net loans outstanding increase, underpinned by both individuals and small business. Individual loan production increased 40% year-on-year in both unsecured and secured. One important point, more than half of the unsecured loan, which is basically vast majority in terms of numbers of our loans, is actually performed by digital channels, being either assisted or self-serviced by the customer. Of course, BRD stands by its commitment to support a sustainable economy and continue to finance projects and engage in initiatives with positive impact. New sustainable financing cumulating during the first quarter to above EUR 200 million. For corporates, covers various sectors such as clean energy, green mobility, blue financing by supporting water collection, treatment and distribution, renewable energy generation, and sustainable agriculture. For retail, it represents financing the acquisition of building with A-class energy, so again, green loans. As I mentioned, both counting for above EUR 200 million in the first quarter. We also mark in March, one year of being under the SRT transaction with IFC, and actually, EUR 59 million, we mark around EUR 60 million loans for SME woman entrepreneurship in Romania, which we are very proud of. On the diversified deposit base, we have a 5.2% year-on-year growth balance between the segments with a very solid, I would say growth as well in diversification. We continue to be number one position in asset management, with above 24% market share in asset under management, offering our customers a wide range of products in terms of savings, as well as contributing to the participation of Fidelis program that significantly increased this year. I would pass the floor to Vladimir, talking about the liquidity position and moving on the financials. Thank you, Mădălina. Good afternoon, everybody. I will continue with the liquidity position of the BRD. As Mădălina described, our deposit base is growing slightly lower than the loan outstanding. Nevertheless, our liquidity position stays very robust and strong in allowing us to support further the growth of our loan portfolio. Our loan-to-deposit ratio increased year-over-year by 10 percentage points to the level of 78%. All our regulatory and liquidity indicators stays very safe in line with the regulation. Our liquidity buffer consists of 30% of total assets, mainly built by the government bonds. I will continue with the following slide, looking at our financial performance, which is quite solid. In the first quarter, our revenues went up by 9.7% year-over-year, driven by both NII and fees and commissions. For the NII, we are very much paying attention on our profitability, and it's supported by, let's say, year-over-year stable net interest margin and supported by the growth of the loan portfolio. For the fees and commissions, we are leveraging on a year-over-year growing base of our clients, having better revenues linked to cards, to custody, and to overall activity within the corporate segment. We as well recorded one-off transactions within the fees in first quarter, which allowed us to support the growth year-over-year more than the level of 29% year-over-year. It's worth to mention as well, it was already mentioned that we are the first year of SRT transaction, which are impacting the first quarter of 2025, but was not in the base of 2024. This growth is a bit slowed down, let's say, by this transaction. For the other income, we have still quite good activity of our clients in the FX market and in the investment banking area, which allowed us as well, in this area, to improve. This performance for the other income was a bit slowed down by the derivatives and other trading instruments. If I move to the costs. The costs went up year-over-year by 8.3%, allowing the positive jaws between the NBI and OpEx development. The main drivers behind the OpEx were the growth of the staff expenses while we continue to invest into our people and to, let's say, regularly review the compensation and the benefits which we provide to our staff. Within the other costs, we continued to invest in the IT and digitization of our services and products, which is the main driver behind the growth. As well, the linked depreciation to the investments which we did in the past is growing year-over-year. On top of this, the dynamics year-over-year was recorded to the regulatory contributions to the Deposit Guarantee Fund and the Resolution Fund, which is growing year-over-year by 15%. These positive jaws are allowing the GOI to grow year-over-year by 11% and improving year-over-year the cost-income ratio by 81 basis points, if we speak about the cost-income ratio without the regulatory charges. This is for my part, and I will hand over the words to Philippe, the CRO. Thank you, Vladimir. Good day to all. In Q1 2025, we observed a general deterioration of performance in terms of net cost of risk. This net cost of risk is stemming out mainly consumer loans to a smaller part for the very small business in our retail portfolio. Still, we see that we maintain a record low NPL at 2.2%. We are not very far from the 1.9% we had in December 2023, and the NPA are remaining very stable. We also have a strong coverage ratio of 78%, which is reflecting also the conservative provisioning strategy, which is the thing that we notice in the higher cost of risk. This higher cost of risk is also to be mitigated by the fact that we have in Q1 traditionally seasonality, which was bigger this year because of several factors. Of course, during the winter holidays are always diverting the income towards other expenses. More importantly, we saw that in January 2025, there were less income received by clients. Also, many fees for some programs like Prima Casa, which are charged in January, and usually clients are not prepared to pay these expenses. We have also cost of living in apartments, especially in Bucharest, where the increase of the utility bills was by 40% since state subvention was canceled. We have a general increase of prices. After two years of inflation at with a peak of 16% two years ago and still above 10% last year. We still have buffers for the clients, but these buffers are a bit exhausted, and we see a general deterioration due to this segment. For the rest of the year, still, we maintain our guidance at 50 basis points. We have, of course, uncertainties on macroeconomic projections, economic and political situation. Actions are in place. The portfolio is well-monitored, and we are still confident on the fact that we will stay within the guidance. Vladimir. Okay. Thank you, Philippe. I will continue with our capital position. As you can see, our capital position stood at the end of March at 23.4% of overall capital adequacy ratio. The capital adequacy surplus 70 basis points lower compared to the Q1 2024. According to the waterfall, the main drivers behind the development is the incorporation of the profit from 2024. As you know, last week, our general shareholder meeting approved the dividend of 50% from the profit of the previous year, which improved our position by 220 basis points. The second main driver of the year-over-year development is the growth of our loan portfolio, which went up by those roughly 20%, as well connected growth of risk-weighted assets is linked to this growth. We as well have the implementation of the CRR3 requirements, mainly in the area of operational risk and credit risk as well, with the impact incorporated as a part of the risk-weighted assets. We are MREL-compliant, I would conclude the capital position by saying that our capital position stays very strong and allows us to further support the growth of our loan balance sheet. I will hand over to CEO for the final comments and remarks. To conclude and repeat this, what I started with, as we consider our main role in financing our clients and in general, the Romanian economy our lending activity is paid the most important attention to. As you can see, this very important part of our activity grew by 21%. We are very proud of the fact that we continue increasing our market share and going back to our very strong positions in the past. As to our deposits, we have explained that we consider our liquidity very comfortable, and therefore, the deposit collection was adjusted to that. Regarding on the digital, a lot has been mentioned by Mădălina. I will not repeat myself, but we are satisfied by our progress. Regarding the financial impact of all these commercial efforts, our NBI grew, our OpEx was contained below the growth of the NBI. Therefore, we had these positive jaws and improved cost-income ratio. The cost of risk normalized, as we mentioned, with some drivers, which Philippe just explained, triggering the seasonal winter impact on our cost of risk. However, the NPL ratio is standing very comfortably and below the industry average. Once again, with the return on equity of 15%, we delivered the net profit growing significantly compared to Q1 of last year. All regulatory and capital liquidity and capital positions well above the requirements and comfortably allowing us to continue our growth. Here, I stop to give you the floor for questions.