Hannover Ruck SE (HVRRY) Q4 2025 Earnings Call

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WEBVTT 00:00:01.820 -- 00:00:07.288 Ladies and gentlemen, welcome to the conference call on annual results 2025. 00:00:07.288 -- 00:00:12.355 I'm Sergan, the Chorus Call Operator. I would like to remind you that 00:00:12.355 -- 00:00:17.122 all participants will be in a listen-only mode and the conference being recorded. 00:00:17.122 -- 00:00:20.627 The presentation will be followed by a Q&A session. 00:00:20.627 -- 00:00:25.494 You can register for questions at any time by pressing star and one on your telephone. 00:00:25.494 -- 00:00:28.837 For operator assistance, please press star and zero. 00:00:28.837 -- 00:00:33.283 Unauthorized recordings, publications, or broadcasts are not permitted. 00:00:33.283 -- 00:00:36.127 At this time, it's my pleasure to turn it over to Karl Steindl. 00:00:36.127 -- 00:00:38.788 Please go ahead, sir. 00:00:39.291 -- 00:00:44.739 Well, good afternoon, everyone, and welcome from sunny Hanover to our analyst 00:00:44.739 -- 00:00:50.804 and investment fellow on our full year results for the year 2025. 00:00:51.287 -- 00:00:57.153 As announced, our CEO, Clemens Jungstöse, and our CFO, Christian Hermann-Lingmeier, 00:00:57.153 -- 00:01:02.621 will provide a brief overview of the business development in 25 and 00:01:02.621 -- 00:01:05.863 the outlook for the current year. 00:01:06.026 -- 00:01:11.473 For the Q&A session, they will be joined by Claude Schevren and Sven Althoff. 00:01:11.473 -- 00:01:14.998 And it's now my pleasure to hand over to you, Clemens. 00:01:14.998 -- 00:01:19.682 Thank you, Karl, and good afternoon from Hanover. 00:01:20.206 -- 00:01:26.380 So let's start with our business performance 25, which was indeed very satisfactory. 00:01:26.380 -- 00:01:31.546 The group net income of 2.64 billion Euro is a record result 0...