)
Visual22 Oct 2025
Uber's liquidity flywheel powering its global ecosystem
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.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage