Allianz Se Unsp/Adr (ALIZY) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.897 Good morning everyone and welcome to Allianz's third quarter and nine months 2025 00:00:05.897 -- 00:00:09.921 media conference call. Thank you for joining us today. 00:00:09.921 -- 00:00:14.827 My name is Frank Stoffel, Head of Financial Communications and Valuation Relations and 00:00:14.827 -- 00:00:19.111 I'm here at our headquarters in Munich with our Chief Financial Officer Claire-Marie 00:00:19.111 -- 00:00:23.656 Cosle-Poutre and our Group Head of Communications Lauren Day. 00:00:23.656 -- 00:00:28.348 Today's conference call is scheduled for 60 minutes, and as usual, we will answer your 00:00:28.348 -- 00:00:31.215 questions following our presentation. 00:00:31.215 -- 00:00:36.363 With this, it is my pleasure to hand over to our CFO, Claire-Marie Kostelputre. 00:00:36.363 -- 00:00:39.846 Thank you very much, Franck, and good morning to all of you. 00:00:39.846 -- 00:00:44.491 I'm very pleased to report on another very strong quarter for the group, which is building 00:00:44.491 -- 00:00:48.634 to an excellent contribution to the year and our three-year plan. 00:00:48.634 -- 00:00:53.639 Our results are supported by both an ongoing top-line momentum and an attractive margin 00:00:53.639 -- 00:00:58.684 development. Across the organization, we are working on our three strategic levers of 00:00:58.684 -- 00:01:04.169 smart growth, productivity, and resilience, with first signs of materialization 00:01:04.169 -- 00:01:09.417 into our numbers. As you can see on page A4, year-to-date, 00:01:09.417 -- 00:01:14.242 our business volume growth continues to be very strong at 8.5%. 00:01:14.746 -- 00:01:19.795 As previously, this growth is diversified from a segment perspective and within the 00:01:19.795 -- 00:01:24.644 segment, acro...