International General Insurance Holdings Ltd.

Good day and welcome to the International General Insurance Holdings fourth quarter and full year 2025 financial results conference call. All participants are in a listen-only mode. Should you need assistance, please signal a conference specialist by pressing the star key followed by zero. After today's presentation, there will be an opportunity to ask questions. To ask a question, you may press star then one on your telephone keypad. To withdraw your question, please press star then two. Please note this event is being recorded. I would now like to turn the conference over to Robin Sitters, Head of Corporate Relations. Please go ahead.

Thank you, Danielle, and good morning. Welcome to today's conference call. Today we'll be discussing the financial results for the fourth quarter, full year 2025. We issued our press release after the close yesterday, and you can find that on our website in the investor relations section at iginsure.com. We've also posted a supplementary investor presentation, which can be found on our website as well on the presentations page in the investor section. On today's call are Executive Chairman of IGI, Wasif Jobchef, President and CEO Waleed Jobche and Chief Financial Officer Pervez Rizvi. As always, Wasip will begin the call with some high-level comments before handing over to Waleed to talk through the key drivers of our results for the fourth quarter and full year 2025 and finish up with our views on market conditions and our outlook for the remainder of 2026. And then we'll open the call up for Q&A. I'll begin with the customary safe harbor language. Our speaker's remarks may contain forward-looking statements. some of the forward-looking statements can be identified by the use of forward-looking words. We caution you that such forward-looking statements should not be regarded as a representation by us that the future plans, estimates, or expectations contemplated by us will in fact be achieved. Forward-looking statements involve risks, uncertainties, and assumptions. Actual events or results may differ materially from those projected in the forward-looking statements due to a variety of factors, including the risk factors set forth in the company's annual report on Forms 20F for the year ended December 31, 2024, the company's reports on Form 6K, and other filings with the SEC, as well as our press release issued last evening. We undertake no obligation to update or revise publicly any forward-looking statements which speak only as of the date they are made. During this call, we will use certain non-GAAP financial measures. For a reconciliation of non-GAAP measures to the nearest GAAP measure, please see our earnings release, which has been filed with the SEC and is available on our website, as I said. With that, I'll turn the call over to Executive Chairman Wasif Joshi.

Thank you, Robin, and good day, everyone. Thank you for joining us on today's call. I'm very pleased with the outstanding results we achieved in 2025. Next year will be IGI's 25th anniversary year, which is quite a milestone for us. We have built a successful track record of consistently strong performance, generating significant value for our shareholders over this time. I'm delighted that in addition to our solid financial results highlighted by roughly 14% growth in book value, plus the return of more than $108 million to shareholders through our capital management actions, that we announced a special dividend of $1.15 per share this morning. This is the third consecutive year that we have taken decision to pay a special dividend, in addition to our regular quarterly dividends. Our ability to do this really shows how our confidence in the strength of our balance sheet and our capital position. And it rewards our shareholders for their trust and support of IGI over the years. I want to congratulate all of our people whose focus, dedication, and loyalty not only produce these results, but who have helped to build our track record over more than two decades. I'm very proud of the people we have at IGI. It is their passion for our business and their belief in what we have built and continue to build at IGI that continues to drive our success. With this excellent foundation, I'm confident that we will continue to serve as a stable market for our customers and generate strong value for our shareholders in 26 and beyond. I will now hand over to Walid to discuss the numbers in more detail and talk about market conditions and our outlook. And I'll remain on the call for any questions at the end. Go ahead, Walid.