Q4 2023 Sampo Oyj Earnings Call Transcript
Good afternoon, everyone, and welcome to the Sampo Group Fourth Quarter 2023 Conference Call. My name is Sami Taipalus, and I'm Head of Investor Relations at Sampo Group. I'm joined on the call by Group CEO, Torbjorn Magnusson; Group CFO, Knut Arne Alsaker; and CEO, If Morten Thorsrud.
The call will feature a short presentation from Torbjorn, followed by Q&A. A recording of the call will later be available on sampo.com.
With that, I hand over to Torbjorn. Please go ahead.
Thanks, Sami, and welcome, everyone. As you will have seen from our numbers, we maintained really strong momentum through the fourth quarter. I think we have reaped benefits from 3 different aspects of our business model. Firstly, we're big and have been able to invest in digitalization over a long time. This means we sell to and service our customers digitally more than ever, more than others in our markets and very efficiently.
Secondly
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