Full Year 2022 Santam Ltd Call Transcript
Good day, ladies and gentlemen, and welcome to the Santam Ltd 10-month Operational update.
(Operator Instructions)
Please note that this call is being recorded. I would now like to hand the conference over to Tava Madzinga. Please go ahead, sir.
Thank you very much. Good afternoon, everyone, and welcome to our 10-month updates to the end of October. I'm joined by Hennie, our CFO; and Gloria, our Investor -- Head of Investor Relations. So I think let me start by making some introductory remarks, and then I'll ask Hennie to give some context on the performance.
So looking at our conventional insurance business, you'll have seen our note this morning, we've reported good growth across the business, which we're quite pleased with of 8%. And this is in a fairly -- what we consider a fairly difficult environment.
And I think it will be first half of the year and the 4 months to October, we've seen and improved the performance at an underwriting level. And so
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