Full Year 2023 Tower Ltd Earnings Call Transcript
Thank you for standing by, and welcome to the Tower Limited full-year results announcement 2023 conference call. (Operator Instructions)
As a reminder, today's program is being recorded.
And now I'd like to introduce your host for today's program, Chair Michael Stiassny. Please go ahead, sir.
Good morning, everyone, and thanks for making the time to join us for this investor call and presentation of our 2023 full-year results. With me in Auckland is our Chief Executive Officer, Blair Turnbull; and our Chief Financial Officer, Paul Johnston, who will take you through the results in more detail shortly.
The word unprecedented gets bandied around plenty these days, but has an appropriate description for what the global insurance industry faced in 2023. A raft of catastrophic weather events worldwide not only highlighted the immediate impacts of climate change, but also put all insurance businesses on notice that the risk environment in which we operate is irrevocably altered. Risk
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