This Management Discussion and Analysis contains
detailed information important to understanding the
Company’s results and financial condition and should
therefore be read in its entirety.
FORWARD LOOKING STATEMENTS – CAUTIONARY LANGUAGE
The report reviews the Company’s financial
condition and results of operations including its
liquidity and capital resources. Historical
information is presented and discussed. Where
appropriate, factors that may affect future
financial performance are also identified and
discussed. Certain statements made in this report
include “forward-looking statements”.
Forward-looking statements include any statement
that may predict, forecast, indicate or imply future
results, performance or achievements instead of
historical facts and may contain words
like “believe”, “expect”, “estimate”, “project”,
“budget”, “forecast”, “anticipate”, “plan”, “will”,
“shall”, “may” and other words, phrases or
expressions with similar meaning. Forward-looking
statements involve risks and uncertainties that may
cause actual results to differ materially
from the results contained in the forward-looking
statements and the Company cannot give assurances
that such statements will prove to be correct. Given
these risks and uncertainties, investors should not
place undue reliance on forward-looking statements
as a prediction of actual results.
OVERVIEW
Guardian Holdings Limited (GHL) is a holding
company formed in 1982 and became a publicly listed
company in Trinidad & Tobago on June 18, 1996 and in
Jamaica on September 20, 2000. GHL subsidiaries
provide financial services through the production,
distribution, and administration of insurance and
investment products. GHL’s principal operations are
conducted throughout the Caribbean, and in England
and the Republic of Ireland. There are three main
business segments: Life and Health Insurance and
Pensions; Property and Casualty Insurance; and Asset
Management. Services are sold throughout the
Caribbean, Central America and in Europe.
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