Manulife Financial Corporation (MFC) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Thank you for standing by. This is the conference operator. Welcome to the Manulife Financial Corporation third quarter 2025 results conference call. As a reminder, all participants are in listening mode and the conference call is being recorded. After the presentation, there will be an opportunity to ask questions. To join the question queue, you may press star then one on your telephone keypad. Should you need assistance during the conference, you may reach an operator pressing star then zero. I'd now like to turn the conference over to Mr. Kang Ho, Global Head of Treasury and Investor Relations. Please go ahead. Thank you. Welcome to Manulife's earnings conference call to discuss our third quarter 2025 financial and operating results, as well as our refresh strategy that was announced yesterday afternoon. Our earnings materials, including a webcast slide for today's call, are available in the investor relations section of our website at manulife.com. In addition, I would like to note that a video recording of our Refresh Strategy presentation and the related materials are also available in the same section of our website. Before we start, please refer to slide 2 for a caution on forward-looking statements and slide 33 for a note on the non-GAAP and other financial measures used in this presentation. Please note that certain material factors or assumptions are applied in making forward-looking statements, and actual results may differ materially from what is stated. Turning to slide 4, We begin today's presentation with Phil Withington, our President and Chief Executive Officer, who will provide a highlight of our third quarter 2025 results in a strategic update, including an overview of our refresh strategy. Following Phil, Colin Simpson, our Chief Financial Offic...