Good morning all, welcome to our second quarter and first half investor presentation. It's particularly pleasing to be presenting strong results across the board, with particularly strong results in our investment banking operations. This is the third quarter in a row that we meet our financial targets, the ROE targets, if we put it into a context that we still have ample surplus capital and have not obtained our financial target of 17% CET1 ratio, these ROE numbers are extremely strong. They are, as I said, driven by strong results across the board, with investment banking performing particularly well. We're seeing our core income growing by 10.5% from the same quarter in 2020, with costs relatively flat from last year, we're seeing an improvement in cost-to-income ratio and obviously profitability. There are some strong operational milestones in the quarter that I will address later on in my presentation. One of them being the sale of Valitor for $100 million, which is now subject to regulatory approval. It's fair to say that the buyer has consumed considerable risk and is very engaged and committed to this transaction because if the sale does not complete due to a failure to obtain regulatory approval, the risk of such will be borne by the buyer for the next coming years. In accordance with IFRS standards, we are not recognizing the profit from the sale until the CPs are all met. Capital generation has been extremely strong in the last quarters, despite our efforts to release some of the surplus capital to our shareholders, taking in obviously the guidance from the regulator to what extent and the velocity of any capital release, we are still equipped with ample surplus capital, around ISK 42 billion. We are also today commencing a share buyback program of ISK 8 billion and have retained half of our earnings for the first half for dividends for next year. On top of the ISK 42 billion, we effectively have another ISK 15 billion of capital that we are planning to release to shareholders in the coming months. When and if the sale of Valitor goes through, another ISK 8.5 billion of distributable capital will be on our balance sheet. It's been very pleasing to have now received two approvals by the regulator for buybacks, which is in itself an acknowledgment of our strong capital position and as well our solid business model. This has all been very well received by the investor community, and it's particularly pleasing to see the growth in the number of shareholders which continue to grow in the second quarter. We have now seen a 30% growth in the number of shareholders this year, and that reflects a much stronger interest locally, but also in Sweden because this is evenly distributed between the two markets for equity investments. Now, we say that the economic rebound has started, but it's important to note that all economic projections were for our economic recovery to fully start next year. As you can see from this slide, our economists here in Iceland were predicting a slightly milder economic recovery this year than for EU average, 3.3% against the 4% recovery for the rest of Europe, and the recovery to effectively take place, a strong recovery, next year. We say that in our financial accounts for the economic outlook that we provide there, we say that the recent setback with the COVID-19 pandemic is more likely to dampen this economic recovery and probably dampen what was looking like a stronger recovery this year than previously expected than derail this recovery. That is driven by Iceland's extensive vaccination program, which has weakened the link between infection and hospitalization, and we're already seeing that in Iceland. This is all contributing to leading indicators showing us that there is recovery taking place. Central Bank has already hiked the interest rates once and is expected to continue on that path. Inflation seems to be on the downward slope as unemployment rate. Now, I mentioned some key operational milestones in the quarter. To begin with, I mentioned the increased interest of private investors to invest into local securities, equities, and bonds. In line with our focus to make financial services more accessible and convenient for our clients, we launched a new feature into our Arion app, which is a feature that makes it easier for our customers to invest into stocks and bonds in the Icelandic market, and also provides a more comprehensive overview of their investment portfolios. This has been very well received and comes at a good time because as you can see from the activity in the corporate and investment banking, there were a number of IPOs that took place in the second quarter, which contributed to this increased interest for private investors. I would like to mention two IPOs where Arion was leading with the services on the First North listings of PLAY and Solid Clouds. It's really good to see how receptive investors are to new listings and the new kind of funding opportunity that is available for companies that are kind of early stages in their life cycle. On top of that, we managed a fairly large bond offering by Alvotech along with Morgan Stanley. We also managed the first senior unsecured bond issued by a corporate in the local market in more than 10 years by assisting Iceland Seafood to fund itself in the bond market. Finally, we managed the sales process of Lyfsalinn and AGR Dynamics. All of these transactions contributed to the strong quarter for investment banking. Kind of the final milestone, which was quite a big one because this is a project that we've been working on for more than two years now, was to go live with Sopra, the Sopra core system, which is kind of a payments and deposit system, a new system that will enable us to do some cost savings on the IT side and also enhance our services. For Valitor, I would like to say that this has been an asset held for sale for quite some time. We think that this transaction is a very beneficial transaction for both parties. It's very good to see a company like Rapyd showing an interest in Valitor. They're at the forefront of the fintech industry in Europe and are very committed to building Valitor up as a kind of European player, as seen from statements made by Rapyd post the transaction. Now, another operating milestone is that we've effectively commenced an integration process of Vörður with the insurance company, with Arion. This is driven by a strong trend in the industry where bancassurance is now the fastest growing element of insurance in Europe. This is very much driven by the fact that there's increased convenience for clients to have their services at one place. This has evolved in such a direction because of new digital services which make the customer journey experience more seamless than before, but also because we're seeing the brands network changing or conforming from kind of the typical service cashier services into value-added services where clients come in and get value-added services for their financial needs on a comprehensive basis. For us and Vörður, this offers synergies, obviously cost synergies, but also cross-selling opportunities and the ability to enhance client bases at both companies. Vörður will remain an independent company as it is required legally, but is going to move into our headquarters and we are going to mix the cultures of the two companies. Now, another milestone that we recently completed at the beginning of July was that we issued our first green bond under a green financing framework. That effectively is a milestone of a more than a five-year journey that we've been on, where we've sort of gradually and prudently been working on our sustainability journey, starting by becoming signatory to a number of sort of sustainability efforts both locally and internationally. Then focusing on our products, rolling out three green products before setting up this green financing framework and issuing our first green bond under that. This is The main eligible assets currently in our portfolio that we use for financing are the green buildings and sustainable fishery and aquaculture. As you can see from this slide, there are a number of other credit portfolios that offer opportunity to, or are eligible to be financed through a green bond issuance. For us, that is a good tool to have a well-structured framework around what kind of assets are eligible under this green bond framework. This ESG format provided a clearly visible added value as we saw Arion Bank's most favorable funding rates of bonds issued under the Bank's EMTN program so far. We issued this bond at mid-swap plus 80 basis points, which is considerably below what we've been issuing in the senior unsecured market so far. Concluding on my presentation before I hand over to Stefán Pétursson, the CFO, who will go through some of the numbers in the second quarter. I just want to highlight that we are continuing to build on the positive operational progress that we've demonstrated in the last few quarters. With the improving economy, this offers a number of opportunities for the bank. We're going to seek market share and target certain segments that we think are beneficial to our business model. Bancassurance obviously being one of those, and we see great opportunities there with bancassurance ratio for Vörður being relatively low compared to other efforts in Europe. There is great opportunity to increase market share at Vörður and improve services across the board towards our clients. We're well ESG funded, both through green deposits and now through the green bond issuance. This opens up to opportunities for further advancements in that field. I think our focus for the next couple of years will be then on the asset side, making real meaning in availing funds to projects that really contribute to the sustainability of our economy. I've spoken about the ample, I would say our grossly overcapitalized position. We're obviously committed to releasing that capital and have today commenced a share buyback program and will continue to release capital to shareholders while we have that position. It's a positive problem to have that our capital generation in every quarter now has become so strong that we're still not making progress on this ample capital. I'm sure that we will see an acceleration into the autumn and winter for the capital release. That includes obviously the $8 billion buyback, our commitment to paying out 50% of profits, then releasing some of the surplus capital that is currently in the business and will become available distributable once we sell Valitor. With that, I'm going to hand over to Stefán Pétursson. Thank you, Benedikt. Good morning, everybody. It is a pleasure to be here with you to tell you a bit about our performance in Q2. As Benedikt said, this was a very good quarter, outstanding quarter in a way, where every line item fell for us. Core revenues were up, other items were favorable, costs were under control. As Benedikt said, we have ample surplus capital. If we look at our medium-term targets that we met all, then we see that return on equity was 16.3% in the quarter. It is 14.3% during the first half of the year. ROE assuming our target CET1 ratio was actually over 21% in the quarter and close to 19% during the first half. Operating income over RWAs, 8% during the quarter and 7.5% during the first half, again exceeding our target of 6.7%. Finally, the cost income ratio is hovering around between 42% and 44% during the first two quarters. The only target where we are in a way missing is our surplus capital as we have said both now and in our previous meetings. Obviously, that is something that we continue to work on. If we look at the income statement, as we can see, net earnings amounted to ISK 7.8 billion during the quarter, up 59% year-on-year and up actually from ISK 6 billion in the first quarter. The core income items were favorable, up 10.5%. When I say core income items, I'm talking about net interest income, net commission income, and net insurance income. On top of that, net financial income was positive by ISK 2.2 billion. Slightly down actually from last year, but as we remember, in Q2 of last year, markets were rebounding after the COVID-19 situation of Q1, that is quite understandable. Operating income is up 7% year-on-year. Operating expenses are flat, meaning that operating profits of ISK 8.6 billion are up 13% year-on-year. The bank levy, as we know, it is in line with budget. Net impairments are positive during this quarter, and actually were positive during the first quarter as well. What is happening here is basically that mortgages are becoming a bigger part of our loan book, which is positive. Secondly, our IFRS models are slightly less pessimistic than they have been over the recent past. This means that earnings before income taxes is ISK 9 billion, up 41% year-over-year. Our income tax rate is low. It's only 15.5%, attributing to our revenue composition. Net earnings from continuing operations are ISK 7.7 billion, up 55% year-over-year. Then we have a small revenues or small income from discontinued operations or held-for-sale assets. As Bendi said, the sale of Valitor, which would go into this line, will not be accounted for until regulatory approvals and all CPs have been met. Obviously, we would hope for that to happen before the end of this year. Again, meaning that net earnings are ISK 7.8 billion, up 59% year-on-year. Just a few words about the net interest income, up 2% from the same period last year, but we are very pleased to see our NIM rebound to 2.9%, again, in a difficult interest rate environment and having the surplus liquidity that we have. It's fair to say that the recent change in the stance from the Central Bank is positive for the bank. We saw the 25 basis points rate hike in May. We were able to work with that a little bit. Clearly, the situation has been for us that a lot of our deposit base has been around zero, meaning that the deposit margin has been very low. With continued rate hikes at the Central Bank of, we can manage our NIMs better. Again, a positive development for the bank. Net interest income over average credit risk continues at strong levels. If we look at the chart on the bottom part of the graph, the bridge from last year, we can see that obviously in a lower interest rate environment, we are receiving lower income from credit institutions. Our loans from customers are yielding lower, but that is offset by our performance on the security side, by cost reduction on the deposit side and the borrowing side, meaning that we have been managing our affairs pretty well. Finally, we are seeing a reduced income from inflation from last year. That is not because inflation is low, because inflation has been quite high over the last quarters. The thing is that we have seen a shift in the market from inflation-linked loans over to fixed or floating rate nominal loans. This is a shift in the market, meaning that our inflation imbalance has vastly reduced. We have talked about fee and commission income. We have had very strong growth in that over the last quarters. The corporate activity has been outstanding. CIB has been very busy on all kinds of transactions. We see this merger, as we have discussed in the past, this merger of corporate banking and investment banking, we see that as a very positive move on our behalf. Asset management is doing well as well. In a way, the only commission business that still can be improved is retail banking, where we are confident that the increased economic activity will feed into increased commission income going forward. On the insurance business side, Vörður is doing extremely well with a combined ratio of 91.5%, which is very competitive in the domestic market. On the OPEX side, as I said, our cost income ratio has been around or below 45% over the last few quarters. We continue decreasing the number of employees, which are down 7% at the parent company, 5% at the group year-on-year. Salary costs are relatively stable, though. We do have wage inflation in Iceland, and we've seen a certain shift of the staff composition as well. Other OPEX is stable as well, but noticeable changes in the composition thereof. We are seeing a reduction in IT costs very much according to plan. We are also seeing good progress on the housing cost side, but depreciation is slightly higher than it was in the past. Again, mainly a function of the Sopra core system. The balance sheet, simple, strong, almost 70% of assets are loans to customers. It grew by close to 4% from year end. The liquidity position is very strong. The LCR ratio is 215%. Our ISK liquidity ratio is 195%, meaning that we are well-positioned both to work with our customers as well as to distribute capital over the coming months. There has been a noticeable change on our lending side over the last few quarters, where we've seen retail mortgages increase relatively strongly, up almost 25% year-over-year. We have also seen a decrease in the corporate book. I would like to reiterate that is not because there is not activity on the CIB side. We are seeing that activity on the commission income side where our strategy of capital velocity is actually to maximize the yield on the risk weights that we are putting in on the corporate side. We are generating a lot of activity. It doesn't all end up on our books. We sell that, syndicate that, and so forth. I also mentioned the indexation imbalance. On the bottom right-hand side, we are seeing this development. 36% of loans to customers were CPI-linked a year ago. It's down to 27% now. This is a trend that continues. We feel we are adequately impaired given our situation with COVID-19, even the Delta variant. The book value of COVID-19 impaired loans is ISK 91 billion, 6% of the loan book, of which ISK 77 billion are secured with real estate. The tourist-related loans in the book value at ISK 74 billion. An exposure that we feel is fully manageable. On the liability side, again, very strong ratios. CET1 ratio of 22.7%, capital ratio 27.2%, and a leverage ratio of 14.6%. The very positive development that we continue to see is the increase in deposits, 8.7% from the same time last year. We have been relatively quiet on the wholesale funding side, both domestically because we have been very well funded and also internationally, the recent change to that is the green bond that we issued the other day and Benedikt mentioned. We have also been busy distributing capital, paying a dividend of ISK 2.9 billion and buying back own shares of ISK 14.9 billion during the first half of the year. Regardless of that capital distribution, our capital ratios are very strong. As I said, 27.2% of capital, 22.7% of CET1, somewhat enhanced by changes that were made with CRR II, the SME supporting factor, counterparty credit risk, and also treatment of software assets. What this really means is that we do have surplus capital of ISK 42 billion now. In addition to that, we have the foreseeable buybacks and the profits for the first half of the year amounting to some ISK 14.9 billion. On top of that, we will have capital release when Valitor is sold or the sale of Valitor is finalized, meaning that we have ample capital to distribute and the challenge is to do that in a way faster than we are generating capital. Again, a positive problem and something that we will be working on diligently over the coming months. Having said that, I will hand it over to the moderator for questions. Again, middle of the summer, the weather is good. I'm not necessarily expecting a lot of questions, but we'll see. Thank you. Thank you. If you do wish to ask a question, please press zero one on your telephone keypad. If you wish to withdraw your question, you may do so by pressing zero two to cancel. There'll be a brief pause while any questions are being registered. There are no questions at this time, so I'll hand back over to the speakers. Yeah, since there are very few here in the auditorium, I expect no questions from here. I think we just end the session. Fully understand people are on vacation and sun is shining. Wish you good rest of summer vacation and see you next time. Thank you.