Vienna Insurance Group AG (OTCPK:VNRFY) Q3 2025 Earnings Call November 25, 2025 9:00 AM EST Company Participants Hartwig Loger - Chairman of the Managing Board, CEO & GM Liane Hirner - Member of the Managing Board, Chief Finance & Risk Officer Gerhard Lahner - Member of the Managing Board & COO Peter Höfinger - Deputy GM & Deputy Chairman of the Managing Board Higatzberger-Schwarz Nina - Head of Investor Relations Conference Call Participants August Marcan - UBS Investment Bank, Research Division Rok Stibric - ODDO BHF Corporate & Markets, Research Division Youdish Chicooree - Bernstein Autonomous LLP Thomas Unger - Erste Group Bank AG, Research Division Presentation Operator Ladies and gentlemen, welcome to today's VIG Conference Call and Live Webcast. I am Matilda, the Chorus Call operator.