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Investor Relations14 Oct 2025
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Caixa Geral de Depósitos (CGD) investor relations material
Caixa Geral de Depósitos H1 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2024 earnings summary1 Aug, 2024
Executive summary
Net profit reached €889 million in H1 2024, up 46% year-over-year, driven by business volume growth, higher net interest income, and lower cost of risk.
Full cash repayment of the 2017 public recapitalization completed, with €825 million in dividends distributed and €1,665 million total payments to the Portuguese State in 2024.
Maintained leadership in Portuguese banking, with top market shares in deposits, mortgage lending, and digital banking, including 2.3 million digital customers and a 25.1% share in new mortgages.
ESG initiatives recognized with an A rating, reinforcing commitment to sustainability and risk management.
Fitch and DBRS upgraded rating outlook to Positive in July 2024, reflecting improved profitability and strong capital buffers.
Financial highlights
Net interest income rose to €1,426 million, up 8.3% year-over-year, mainly from domestic activity.
Operating costs decreased by 4.1% to €534 million, with efficiency ratio at a historic low of 29.3%.
Customer deposits grew 3.1% in 6 months; domestic deposits up 6% year-over-year.
Loans to customers increased 1.7% year-over-year in Portugal, with corporate lending up 3.7% to €20.4 billion.
NPL ratio at 1.66%, below national and European averages; cost of risk improved by 40%.
Outlook and guidance
Capital ratios remain robust post-dividend: CET1 at 21.0%, Total at 21.3%, expected to stay above 20% after additional dividend.
Prospects for further rating upgrades during the year.
Continued focus on digitalization, ESG, and supporting economic growth and families.
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Frequently asked questions
Caixa Geral de Depósitos S.A. (CGD) is a state-owned Portuguese financial institution providing a broad range of banking and financial services to individuals, businesses, and institutional clients. CGD offers products including personal and business loans, mortgages, savings accounts, and investment solutions. Additionally, the bank provides insurance, asset management, and international banking services, with a significant presence in Portuguese-speaking countries. The company is headquartered in Lisbon, Portugal.
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