Jarmo Salonen | Head of Investor Relations and Group Communications |
Torbjörn Magnusson | President and Group Chief Executive Officer |
Knut Arne Alsaker | Chief Financial Officer |
Morten Thorsrud | Chief Executive Officer, If P&C |
Jonathan Denham | Morgan Stanley |
Blair Stewart | Bank of America Merrill Lynch |
Steven Haywood | HSBC |
Jan Erik Gjerland | ABG Sundal Collier |
Phil Ross | Mediobanca |
Ladies and gentlemen, welcome to this call on Sampo Group's third quarter 2020 results. I'm Jarmo Salonen, Head of Investor Relations at Sampo. And with me at this call, I have our Group CEO and President, Torbjörn Magnusson; Group CFO, Knut Arne Alsaker; CEO of If, Morten Thorsrud; and Chief Strategist, Ricard Wennerklint. We'll have a short presentation by Torbjörn, Knut Arne and Morten to begin with. But before handing over to Torbjörn, let me just remind you that you can follow this call on Sampo.com/results and a recorded version will later be available at the same address.