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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Caixa Geral de Depósitos
Caixa Geral de Depósitos (CGD) investor relations material
Caixa Geral de Depósitos has been private
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-on-year, driven by business volume growth, higher net interest income, and lower cost of risk.
Full cash reimbursement 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 deposits, mortgage lending, and digital banking, with 2.3 million digital customers and a 25.1% market share in new mortgage loans.
Fitch and DBRS upgraded outlook to Positive, citing strong profitability, asset quality, and capital buffers.
Achieved an A rating in MSCI ESG and received multiple awards for brand, digital, ESG, and asset management excellence.
Financial highlights
Net income rose 46.3% year-over-year to €889 million; domestic activity contributed €791 million, international €100 million.
Net interest income increased 8.3% to €1,426 million, mainly from domestic activity.
Operating costs decreased 4.1% to €534 million, aided by non-recurrent effects from employee restructuring.
Cost-to-income ratio improved to 29.3%, among the lowest in national and European banking.
Customer resources grew 3.1% in six months, with deposits as the main driver.
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.
Continued focus on digital transformation, ESG initiatives, and supporting economic growth through lending.
Plans to continue supporting families and businesses with competitive products and digital innovation.
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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.