Aflac Incorporated (NYSE:AFL) Q3 2023 Earnings Call Transcript November 2, 2023 8:00 AM ET
Company Participants
David Young - Vice President of Investor and Rating Agency Relations
Dan Amos - Chairman and Chief Executive Officer
Fred Crawford - President and Chief Operating Officer
Max Broden - Executive Vice President and Chief Financial Officer
Virgil Miller - President, Aflac US
Brad Dyslin - Global Chief Investment Officer, President of Aflac Global Investments
Al Riggieri - Senior Vice President, Global Chief Risk Officer
Koichiro Yoshizumi - Executive Vice President and Director of Sales and Marketing and Alliance Strategy
Conference Call Participants
Tom Gallagher - Evercore ISI
Jimmy Bhullar - JPMorgan
Ryan Krueger - KBW
Suneet Kamath - Jefferies
Marly Reese - Goldman Sachs
John Barnidge - Piper Sandler
Wilma Burdis - Raymond James
Josh Shanker - Bank of America
Wes Carmichael - Wells Fargo
Joel Hurwitz - Dowling & Partners
Operator
Good morning, and welcome to the Aflac Incorporated Third Quarter 2023 Earnings Conference Call. All participants will be in listen-only mode. [Operator Instructions] After today's presentation, there will be an opportunity to ask questions. [Operator Instructions] Please note, this event is being recorded.
I would now like to turn the conference over to David Young, Vice President of Investor and Rating Agency Relations. Please go ahead.
David Young
Good morning and welcome. This morning, we will be hearing remarks about the third quarter related to our operations in Japan and the United States from Dan Amos, Chairman and CEO of Aflac Incorporated, and Fred Crawford, President and COO of Aflac Incorporated. Max Broden, Executive Vice President and CFO of Aflac Incorporated will provide an update on our financial results in current capital and liquidity, which can also be found with the materials that we posted along with our earnings release and financial supplement on investors.aflac.com. We also posted under financials on the same site updated slides of investment details related to our commercial real estate and middle market loans.
In addition, Max provided his quarterly video update, which you will find there also. Other members of our executive management team who are joining us for Q&A include Virgil Miller, President of Aflac US; Charles Lake, Chairman and Representative Director, President of Aflac International; Masatoshi Koide, President and Representative Director, Aflac Life Insurance Japan; Brad Dyslin, Global Chief Investment Officer, President of Aflac Global Investments.
Before we begin, some statements in this teleconference are forward-looking within the meaning of federal securities laws. Although we believe these statements are reasonable, we can give no assurance that they will prove to be accurate because they are prospective in nature. Actual results could differ materially from those we discussed today. We encourage you to look at our annual report on Form 10-K for some of the various risk factors that could materially impact our results. As I mentioned earlier, the earnings release is available on investors.aflac.com and includes reconciliations of certain non-US GAAP measures.