Hello, everyone. Very happy to meet you again after our first half of the year, second quarter. As usual, today we are going to present our preliminary financial results, which have been examined yesterday by our board of directors. I would like to remind that they are created in accordance with IFRS and that they are not audited. Without delaying further their presentation, I am moving now to slide four and would like to present to you our most important performance indicators for the first half of the year. As usual, we start with our commercial performance. I am happy to share that our lending activity continues growing in a solid manner this quarter and overall in the first six months of the year. We can see that we have a growth of 17% year-on-year as of the end of June as compared to last year. What does it mean? It means that we have done a very important step in our commercial activity in all segments. We have 23% year-on-year growth of the corporate loan portfolio, and if you remember, we had similar trends in the previous period. The same pace also for our performance on the consumer and mortgage loans in the private individual segment, where we have reached RON 7 billion of loan production in the first half of the year. This is more than 30% up compared to last year. Regarding another pillar of ours that is very important commercial aspect, our sustainable finance ambition, we can report another EUR 350 million of new sustainable loans in the first half of the year. This, of course, goes together with the capacity to maintain solid liquidity and our deposits growth being 8% up compared to last year, which, of course, is very important to fuel our capacity to lend. Regarding another commercial aspect, which is our digital offer and our progress there, we have already 1.8 million users of YOU BRD. As a reminder, this is our mobile app for private individuals, which is 18% year-on-year. Last time we have reported launching very important in terms of customer experience, YOU BRD CASHBACK loyalty program, which we consider very strategic for the client class experience with our bank. In the meantime, we have more than 800,000 enrolled and loyal customers and consider this program very successful. All these commercial achievements and performance have led to a strong operating performance, and our GOI marked 13.6% year-on-year growth. I will not go into the details here because Vladimir is going to talk in details. Regarding our portfolio quality, we can again see NPL ratio at 2.3% end of June being better than the one of the banking system. We have the banking system one as of March, and the same value for our coverage ratio at 72% in June, also better compared to our peer group and to the entire banking sector. Regarding the net cost of risk, as we indicated in previous presentations, due to the fact that we are having normalized commercial activity, we are having also normalized cost of risk. The entire thing led to a net profit up 10% year-on-year versus the first half of previous year, namely around RON 764 million. This compared to the equity which we are using in order to finance this activity results in a return on equity of 16% for the first half of the year. I will let the floor to Claudiu Cercel, who is going to go with you through the macroeconomic situation. Thank you, Maria, and hello, everyone. Very good results for BRD in spite of a challenging environment, especially in the second quarter. You obviously know that we had a very prolonged election period, which in the end ended well, but we see some prices on the economy. In the first quarter, the growth was tepid, 0.3% increase year-on-year. Likely the same pace in the second quarter. The data will follow relatively soon, in spite of some positive contributions from investment inventories and consumption being still supported in that part of the year by the fiscal impulse, there was a very big negative drag coming from the net exports with the commercial deficits and current account deficits continuing to print high numbers. Looking forward we are now in the midst of a change in the fiscal stance with new fiscal consolidation packages announced or soon to be announced further, that's creating a certain expectation for the economy to be challenged in the subsequent quarters. Inflation, unfortunately, gives signs of resurgence in spite of what's happening in Europe, where actually inflation is going down. In Romania, due to the fiscal impulse, which is still strong, but also to some devaluation that we had in May surrounding the elections, we have this impact of the inflation now approaching again 6%. It was 5.7% at the end of second quarter 2025. This is expected not only to remain at this level, but even to increase in the second half of the year due to the impact of tax increases and especially VAT. Analysts are expecting inflation to go up to around 8% or 9% in the second half of the year. To cite the impact to come from the liberalization of the electricity prices, which were kept till June 30th. No question why the central bank then decided to keep unchanged its official monetary policy. We stay at the 6.5%, we anticipate that they will stay at these levels till the year end. A move will be done in the first half of 2026 once it is more clear the impact of these fiscal packages. We had big spikes in rates surrounding elections in May. The central bank had to intervene to defend the currency. By intervening, it withdrew liquidity from the money market, that has an impact on increasing in rates. We even saw rates in the region of 7.5%. Just one month earlier they were around 6%. In the meantime, rates have come down a bit. We are now again below 7%. Liquidity is not yet restored, but there are signs of gradual restoring of the liquidity in the sector in the second half of the year. All the more so that the government was able to finally resume its issuance of EUR bonds on the international markets. As these are feeding the reserves in exchange, liquidity in RON will be created when the Ministry of Finance will start expensing this money in the economy. Wrapping up on the Romanian banking sector, it showed resilience due to its comfortable ratios in both solvency and liquidity, which overall remains comfortable with LCR rates well above the standards. In risk, even though we see some marginal increases in the NPL ratios, they remain still in territory of comfort. All the more so that the coverage levels continue to remain strong and above those of the European Union level at average. I'm finishing it here and pass the floor to Mădălina to deep dive into the commercial results. Thank you. Thank you, Claudiu. Hello, everybody. Happy to prove in the slide 10 that our target operating model to migrate towards 24/7 area, either in banking point or in the digital environment, is confirmed by very solid growth, 18% year-on-year increase in number of users, as it was mentioned by Maria. We almost reached 75% of our private individuals customers portfolio equipped with you, out of which 60% active in the last 30 days with a very intense of 20 logins per month per active customer. This is also proved by the intensity of number of transactions, 25% year-on-year. Value of transaction more than 50%. Daily banking of private individuals are much more active with us in the digital environment. Corporate proved the same intense increase in daily banking by growing above 30% acquiring transaction on our POS. As usual, deposits, letter of credit, letter of guarantees have significant volumes during the digital environment. Factoring turnover as well, a significant increase 16% year-on-year. All these are supported by enhancing the usage of our existing digital processes as well as refined digital offers. Only named here some new deposits, current accounts, lending products, dual application for private individuals. Even as Maria mentioned, loyalty programs like YOU BRD CASHBACK that actually have above 800,000 customers active enrolled in this, with more than RON 3 million cashback amount rewarded for the customers. Our remote channel contact center, again, well contributing to the entire ecosystem of service models. We actually have been awarded for the second year in a row as the best internal contact center for medium-size. It's a recognition that is actually well-deserved to a team that is not only servicing the customers and increase the service level, but also contribute to the daily banking increase activity by remote servicing the sales of packages for the customers. All this digital performance actually support our efficiency in terms of reducing number of branches. Compared to June last year, we actually decreased with 30 more branches. This is also supported by an increase in the 24/7 banking point, those cashless approach that now is covering more than 60% of the network. Moving to the next slide, talking about the lending performance, a very good performance as it was mentioned by Maria in the commercial area in all the segments, both retail and corporate. And this performance is also confirmed by the market share. Our bank market share in lending increased to 11.3% June 2025, compared to 10.6% December 2024. We continue our performance compared with the market on an increasing trend, as I mentioned, supported by double-digit growth in both SMEs and large companies with a diversified offer, as well as an increase in our subsidiary product like leasing, and reaching an exposure on the corporate portfolio with almost 23% year-on-year growth. On the retail side, core retail net loans outstanding, almost 15% year-on-year growth, supported by both unsecured and secured lending. Loan origination in the first half of 2025 being almost double compared with first half 2023. All these digital channels, all the efficiency that we actually invest in, the investment in technology supported us in developing all these increases while adjusting the traditional footprint. On the sustainable financing, as Maria mentioned, EUR 350 million more in this first half of the year, supported mainly by the, of course, corporate sustainable financing, as well as by the retail customers. Moving on the next slide for the deposit base. This year, again, a very good performance, year-on-year 8%. However, looking also when compared to the market, we increased the deposit market share up to 10.4% June 2025, compared to December 2024, 9.9%. This was mainly driven by the corporate deposits that actually contributed to our solid deposit base. On the retail side, we actually see a behavior that is more diversified with on-balance and off-balance products for saving. Asset management contributes significantly above 40% year-on-year growth in the asset under management, maintaining the first position in the market with a 25% market share at June 2025. We also actually continue to contribute to the Fidelis program that is for this year on a monthly basis active. I will pass the floor to Vladimir for the liquidity position. Good afternoon, everybody. I will continue with liquidity. As described by Claudiu, the second quarter was quite volatile in terms of liquidity, but as Mădălina already commented, our deposit base remains robust and allows us to support the lending growth. In terms of liquidity, loan-to-deposit ratio stayed at 73.8% in June 2025, going up by almost 6% compared to June 2024. Our liquidity indicators and the liquidity position as such remained very robust and very safe above our regulatory and risk appetite ratios. Continuing to slide 13 and commenting the development of our revenues, we had quite strong quarter and first half behind us. We were able to grow 10.1% year-over-year driven by NII, which added 7% year-over-year and quarter-over-quarter we restarted the growth in the NII. For the fees and commissions, we grew year-over-year almost 18%, supported by one of the first half of the year, but as well supported by good development in the custody transfers and fees linked to the lending activity, which as well supported our growth. For the other income, the growth is almost 20%, 19.1%. The main driver behind this growth is the dividends, which we collected from our group within the subsidiaries, and as well the base effect of lower year of 2024, which allowed this dynamic development quarter-over-quarter between the years. Speaking about the OpEx on page number 14, you can see that our OpEx went up by 7%. We achieved the positive goals on the GOI, like OpEx staying with the dynamics behind the growth of NBI. The development of the cost was driven by our staff expenses, I think 7.3% year-over-year, mainly reflecting the higher acceleration, the compensation review, or benefits year-over-year, which we do on an annual basis, slightly compensated as well by the decline in the number of FTEs which you can see in the first half of the year. For the regulatory cost, as our loan revenues are growing year-over-year, we can see the increase in protection turnover, which went up by roughly RON 4 million year-over-year, and as well as the balance sheet is growing, we have high contributions to the resolution fund and deposit insurance. All in all, for the cost-income ratio, we were able to improve without this regulatory amount of charges to 45.4% in H1 2025 and improving by, let's say, almost 150 basis points year-over-year. For the credit risk and the portfolio quality, I will hand over to Philippe, our CRO. Thank you, Vladimir. Hello, everyone. In Q2, the cost of risk improved compared to the Q1 to RON 61 million or 47 basis points, which is in the guidance that we gave. Despite the fact that we still have, as Claudiu said, strong inflation or relatively strong inflation compared to the expectations, lower growth market conditions, which were disturbed during the presidential elections, and also the outlook with the fiscal measures that will crystallize in the second half of the year, the U.S. trade agreement. Everything makes that the Q2 is rather showing some stabilization in terms of cost of risk. The outlook still remains challenging. NPL ratio shows the resilience of the portfolio. We had an increase from the 10 basis points to 2.3%. All in all, it is still better than the market at 2.6% NPL. In terms of coverage, we have a solid 72% coverage above the 66% of the market. Thank you. Back to you, Vladimir. Thank you, Philippe. I will continue with the capital position. As you can see on the slide, our capital adequacy ratio stayed slightly above 22% in the first half of the year. Worth to note that we are still benefiting from the quick fix adjustment, our reported capital adequacy is close to 26%. If I look at the main drivers between the June 2024 and June 2025, obviously, the risk-weighted assets are growing mainly because of the growth of the portfolio, which are driving the main, let's say, credit need for the growth, which is offset by the retained earnings from 2024. As you know, we are limited in our payout ratio, which was at the level of 50%. Therefore, we retained part of the earnings, which are compensating the growth of the risk-weighted assets. We already have implemented starting from the first quarter 2025, the CRR3 requirements, which are already embedded in the figures. This is for the capital position, and I will hand over for the final remarks to the CEO. Thank you, and to the colleagues for presenting the details. Once again, the first half of the year was very solid, both commercially and financially. Yes, it's important to make the remark that the economic situation is not easy. Therefore, we consider this very solid performance as a really good performance, given these events around the presidential elections and the events related to the liquidity on the market as well as the FX stability. Again, our main mission to finance the economy has been confirmed by the lending activity growing by 17%, both the corporate and the retail business performing under quite important competition in a very solid manner. Regarding our important pillar of sustainability, this very important contribution of another EUR 350 million sustainable financing, deposit base growing by 8%, our digital channels developing in the way we were imagining, and our clients onboarded there as we have planned, which resulted in very good financial results and the return on equity of 16%, despite the fact that we have normalized our cost of risk. With the comfortable liquidity and solid capital base, we are going to look positively to the second half of the year, despite the fact that obviously, the macroeconomic situation and the fiscal consolidation are going to impact both our customers and ourselves through different axes. Now I stop here in order to give you the floor for questions.