Full Year 2019 AXA SA Earnings Call Transcript
Okay. Well, good afternoon. Welcome, everybody, here in London for AXA's Full Year '19 Earnings Presentation. Welcome to those of you in London, who've just come through the rain. Welcome to those of you who are dry and not just walked through the rain, who are with us on the webcast. Good to have you here. For those of you on the phone as well.
If you'd like to ask questions later on in the Q&A, of course, we'll give priority to the people here in the room, but we will take questions also from the webcast. Just follow the instructions you're given, and we'll happy to -- I'll be happy to have your questions as well.
I'd like to welcome, of course, we have with us Thomas Buberl, our CEO; Etienne Bouas-Laurent, our new CFO. As well, we have some of the management team. We have Jacques de Peretti from France; Antimo Perretta from Europe, Alban de Mailly Nesle, who is -- I always get that wrong. Alban here as the group Chief Risk Officer -- Investment Officer, I'm sorry, Alban; and we have Scott Gunter, and
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