Sanlam Ltd 4 Months Operational Update Call Transcript
Good day, ladies and gentlemen, and welcome to the Sanlam Limited Group 4-Month Operational Update ended 30 April 2020. (Operator Instructions)
Please also note that this call is being recorded.
I would now like to turn the conference over to Ian Kirk. Please go ahead, sir.
Afternoon, ladies and gentlemen. Thank you for joining us on the conference call. I'm joined on the call by colleagues from finance and actuarial, Wikus Olivier, Anton Gildenhuys and Patrick Hartnic.
Dealing first now with overview of the results, we released the results for the 4-month period earlier this afternoon. Just a couple of comments from my side before we get going with the questions.
It's undeniable that 2020 turned out to be much more challenging than anybody anticipated. We had a very solid start to the year, as we communicated in the COVID-19 update, which we released at the end of March. And that was really most of the operational trends, which we experienced in the second half of 2019,
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