ASR Nederland N.V. (ARNNY) Q4 2024 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:03.197 Good morning, ladies and gentlemen. Thank you for joining us today. 00:00:03.197 -- 00:00:08.462 Welcome to the ASR conference call on the full year 2024 results. 00:00:08.987 -- 00:00:14.476 On the call with me today are Jos Baten, our CEO, and Ewald Hollegien, our CFO. 00:00:14.476 -- 00:00:19.265 And Jos will kick it off with the highlights of our financial results and a brief update 00:00:19.265 -- 00:00:23.031 on the progress that we have with the integration of Agon. 00:00:23.031 -- 00:00:26.052 And he will discuss the business performance. 00:00:26.052 -- 00:00:30.857 Ewa will then talk about the developments of our financials, the capital position, and 00:00:30.857 -- 00:00:32.960 our solvency position. 00:00:32.960 -- 00:00:37.925 After that, we will open up for Q&A. We have ample time planned for this call, but we 00:00:37.925 -- 00:00:41.309 will start sharply at 10.30. 00:00:41.309 -- 00:00:46.334 Please observe a limit of only two questions, so everybody has a chance to ask their 00:00:46.334 -- 00:00:48.096 questions. 00:00:48.096 -- 00:00:53.727 And finally, as usual, please review the disclaimer that we have in the back of the presentation 00:00:53.727 -- 00:00:58.493 on any forward-looking statements. So, having said that, Jos, the floor is yours. 00:00:58.493 -- 00:01:01.356 Thank you, Michel, and good morning, everyone. 00:01:01.356 -- 00:01:06.462 And thank you for joining this call. I'm happy to kick off the Benelux earnings 00:01:06.462 -- 00:01:12.489 season, especially with the strong set of results that we announced this morning. 00:01:12.489 -- 00:01:17.935 And as I mentioned to the team this morning, do we really need to have this analyst call? 00:01:17.935 -- 00:01:22.904 What is not to like about these ...