Alex Maloney | Group Chief Executive Officer |
Natalie Kershaw | Group Chief Financial Officer |
Paul Gregory | Group Chief Underwriting Officer |
Denise O'Donoghue | Chief Investment Officer |
Kamran Hossain | RBC |
Oliver Troop | Autonomous |
Lain Pearce | Credit Suisse |
Faizan Lakhani | HSBC |
Paris Hadjiantonis | Exane BNP Paribas |
Emanuele Musio | Morgan Stanley |
Ben Cohen | Investec |
Hello and welcome to the Lancashire Holdings Limited Year End 2020 Results. Throughout the call, all participants will be in listen-only mode and afterwards there will be a question-and-answer session. Please note this call is being recorded. Today I'm pleased to present Alex Maloney, Group CEO; Paul Gregory, Group CUO; Natalie Kershaw, Group CFO. I will now hand you over to Alex Maloney.