Shubha Khan | Vice President, Investor Relations |
Charles Brindamour | CEO |
Louis Marcotte | CFO |
Isabelle Girard | SVP, Personal Lines |
Patrick Barbeau | EVP, COO |
Darren Godfrey | EVP, Global Specialty Lines |
Ken Anderson | EVP, UK&I |
Geoff Kwan | RBC Capital Markets |
Tom MacKinnon | BMO Capital |
Michael Phillips | Morgan Stanley |
Jaeme Gloyn | National Bank |
Doug Young | Desjardin Capital Markets |
Paul Holden | CIBC |
Mario Mendonca | TD Securities |
Good morning, ladies and gentlemen, and welcome to Intact Financial Corp. Q4 2021 Results Conference Call. At this time, all lines are in a listen-only mode.
Following the presentation, we will conduct a question-and-answer session. [Operator Instructions] Also note that this call is being recorded on Wednesday, February 9, 2022.