Apr 23, 2020 / 10:00AM GMT
James Garner - Ping An Insurance Group Company of China Ltd. - Group Chief Capital Markets Officer
Ladies and gentlemen, thank you for joining the conference call today with regards to Ping An Group's 2020 first-quarter results announcement. My name is James Garner; I am the Group Chief Capital Markets Officer and I'm going to host today's call. On the call is Mr. Jason Yao, Group CFO and Chief Actuary, and also Mr. Richard Sheng, the Board Secretary and Brand Director.
This conference call is going to be conducted in English and will last for approximately 30 minutes. To allow for more questions, please ask no more than one question at a time. (Operator Instructions). Thank you.
Questions and Answers:
OperatorLadies and gentlemen, we are now moving on to the Q&A session. (Operator Instructions). Thomas with Goldman Sachs.
Unidentified Analyst
A couple questions. Firstly, on the P&C side, I think combined ratio improved year on year. But can you give us a bit more color what the auto combined ratio has done and
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