Sagicor Financial Company Ltd. (SFC) Q3 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, ladies and gentlemen, and welcome to the Sagicor Financial Company's third quarter 2025 earnings call. At this time, all lines are in listen-only mode. Following the presentation, we will conduct the question and answer session. If at any time during this call you record an agent's assistance, please press star zero for the operator. This call is being recorded on Friday, November 14, 2025. I would now like to turn the conference over to George Sipsis. Please go ahead. Thank you, Operator, and hello, everyone. Thank you for joining us today to discuss Sagicor's third quarter 2025 results. I'd like to point out that our disclosures are available under the Investor Relations tab on our website at sagicor.com or at investors.sagicor.com, which includes a press release, financial statements, MD&A, and the supplemental information package containing core earnings, drivers of earnings, and additional disclosures. The link to our live webcast is also available on our website. This conference call is open to the financial community, investors, the media, and the public with a reminder that the Q&A period is reserved for financial research analysts. I will begin by referring you to the cautionary language and disclaimers in our materials and public filings regarding the use of forward-looking statements and the use of non-IFRS financial measures and ratios, which may be mentioned as part of our remarks today. I would also like to remind the audience that actual results regarding forward-looking information could differ materially. And please note that a detailed discussion of Satricor's risk factors is provided in our MD&A, which is available on CEDAR Plus and on our website. A discussion of the assumptions underlying our expectations is provided in our previous...