Q1 2023 Santam Ltd Operations Update Call Transcript
Good day, ladies and gentlemen, and welcome to the Notice of Santam Group First Quarter 2023 Operational Update. (Operator Instructions) Please note that this call is being recorded. I'd now like to turn the conference over to Mr. Tava Madzinga. Please go ahead, sir.
Thank you very much. Good afternoon, everyone, and thank you for joining our 3-month update call. I'm joined by Hennie Nel, our Group CFO; and Gugu Mtetwa, our Head of Strategy and Investor Relations.
I think we will be breaking away from tradition and start doing these update calls at the end of March and end of September starting this year. So I think we've put up the update, but I think I'd like to maybe just provide a level of context and some clarity to the note we put up earlier today. I think starting with the operating environment.
I think we're certainly finding it difficult and certainly remains very challenging. I think disposable income on the personal line side is certainly challenged. The load
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