Hannover Rück SE (OTCPK:HVRRF) Q4 2024 Earnings Conference Call March 13, 2025 8:00 PM ET Company Participants Karl Steinle - General Manager Investor and Rating Agency Relations Jean-Jacques Henchoz - Chairman Clemens Jungsthöfel - CFO Sven Althoff - Member of the Executive Board Conference Call Participants Michael Huttner - Berenberg Kamran Hossain - JPMorgan James Shuck - Citi Shanti Kang - Bank of America Merrill Lynch Vinit Malhotra - Mediobanca Will Hardcastle - UBS Chris Hartwell - Autonomous Henry Heathfield - Morningstar Roland Pfänder - ODDO BHF Ivan Bokhmat - Barclays Karl Steinle Good afternoon, everyone, and welcome to our earnings call on our Financial Results for the Full Year 2024. Today's speakers will be our CEO, Jean-Jacques Henchoz and Clemens Jungsthöfel, our CFO.