This week, at Bourse, Sarodh Ramkhelawan reviews the performance of NCB Financial Group Limited (NCBFG) for the six months ended March 31st, 2023 (HY2023) and Guardian Holdings Limited (GHL) for the three months ended March 31st 2023 (Q12023). Both Groups grappled with reduced earnings and operating income, mainly impacted by events in the Life, Health and Pension segment. Can NCBFG and GHL recover, despite the still uncertain operating environment?