Gjensidige forsikring (GJF)

TekBot oktober 21, 2022, 5:01am #241

Solid underwriting result, financial result significantly impacted by market turmoil

This release contains inside information related to Gjensidige Forsikring ASA
pursuant to the EU Market Abuse Regulation and is subject to the disclosure
requirements pursuant to Section 5-12 the Norwegian Securities Trading Act.
…

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Strong operations, effective pricing measures, good risk selection and stringent
cost control resulted in the highest quarterly underwriting result in the
Group’s history, when adjusted for run-off gains. The investment portfolio was
significantly hit by the development in the financial markets. The outlook for
Gjensidige’s underwriting results remains good.

Gjensidige Forsikring Group recorded a profit before tax of NOK 1,485.5 million
(2,022.0) for the quarter. The profit after tax was NOK 1,105.0 million
(1,495.1) and the corresponding earnings per share were NOK 2.21 (2.99). The
profit from general insurance operations measured by the underwriting result was
NOK 1,908.8 million (1,804.0), corresponding to a combined ratio of 76.3 (76.0).

We have delivered a very strong quarterly underwriting result. We are
confident that we will continue to stay ahead of claims inflation. Together with
our efficient operations, strong product offering and resilient markets, this
should bode well for continued solid results and attractive returns. But of
course, the most important drivers are our people and our culture. These are key
prerequisites for our success, says CEO Helge Leiro Baastad.

Earned premiums from general insurance increased by 7.1 per cent to NOK 8,046.8
million (7,516.1) in the quarter. Measured in local currency, premiums increased
by 8.2 per cent. Earned premiums increased due to solid renewals, effective and
differentiated pricing measures and volume growth.

Premium growth, partly offset by higher large losses and lower run-off gains,
drove the improvement in the underwriting result. Adjusted for the positive
Covid-19 impact on claims in the third quarter 2021, the underlying frequency
loss ratio improved by 0.8 percentage points. Commercial and the Baltics were
the main contributors to the improvement.

The Pension segment generated a lower profit for the period, driven by reduced
income as a result of the introduction of individual pension account last year
and lower financial income. The number of pension members increased and
contributed to the rise in insurance income.

The financial result for the quarter was minus NOK 328.1 million (207.5), which
corresponds to a return on total assets of minus 0.6 per cent (0.3). The result
was negatively impacted by higher interest rates, decline in the equity markets
and higher credit spreads.

Year-to-date the Group recorded a profit before tax of NOK 4,129.7 million
(5,949.3). The profit from general insurance operations measured by the
underwriting result was NOK 4,681.5 million (4,370.9), corresponding to a
combined ratio of 80.0 (79.8). The profit after tax was NOK 3,234.3 million
(4,654.7). Earnings per share amounted to NOK 6.47 (9.31). The profit includes a
NOK 0.8 billion gain on the sale of Oslo Areal in the first quarter, recorded
under Other items. The increase in the underwriting result was driven by 8.0 per
cent growth in earned premiums and an improved underlying frequency loss ratio,
partly offset by higher large losses and lower run-off gains. Earned premiums
rose by 8.9 per cent measured in local currency. Adjusted for the effects of the
weather and Covid-19 claims in the same period last year, the underlying
frequency loss ratio improved by 0.8 percentage points.

The Pension segment recorded a lower profit due to reduced income as a result of
the introduction of individual pension accounts last year, higher operating
expenses and lower financial income.

The financial result for the period was minus NOK 1,211.0 million (1,565.7),
which corresponds to a return on total assets of minus 2.1 per cent (2.6). The
rise in interest rates in 2022, combined with an increase in credit spreads, has
had a negative impact on fixed-income investments. Due to the rise in interest
rates, other asset classes also generated negative returns.

Highlights third quarter 2022 (third quarter 2021)

· Profit/(loss) before tax: NOK 1,485.5 million (2,022.0)
· Earnings per share: NOK 2.21 (2.99)
· Earned premiums: NOK 8,046.8 million (7,516.1)
· Underwriting result: NOK 1,908.8 million (1,804.0)
· Combined ratio: 76.3 (76.0)
· Cost ratio: 12.9 (13.6)
· Financial result: NOK minus 328.1 million (207.5)

Highlights year-to-date 2022 (2021)

· Profit/(loss) before tax: NOK 4,129.7 million (5,949.3)
· Earnings per share: NOK 6.47 (9.31)
· Earned premiums: NOK 23,395.8 million (21,664.8)
· Underwriting result: NOK 4,681.5 million (4,370.9)
· Combined ratio: 80.0 (79.8)
· Cost ratio: 13.6 (14.1)
· Financial result: NOK minus 1,211.0 million (1,565.7)

This release contains alternative performance measures (APMs). APMs are
described at
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a document named APMs Gjensidige Forsikring Group Q3 2022.

This release is issued by Jon Aniksdal, Communication Mananger at Gjensidige
Forsikring ASA.

Date and time of publication: 07:00, 21.10.2022

Contact persons, Gjensidige Forsikring ASA:
Head of Communication, Øystein Thoresen. Tel: 47 952 33 382
Head of Investor Relations Mitra Hagen Negård. Tel: 47 957 93 631

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 3,800 employees and offer insurance products in Norway,
Denmark, Sweden and the Baltic states. In Norway, we also offer pension and
savings. The Group’s operating income was NOK 30 billion in 2021, while total
assets were NOK 130 billion.

Kilde

E24Bot oktober 21, 2022, 5:37am #242

Gjensidige leverer svakere resultat enn ventet – tjente 1,5 milliarder i tredje kvartal

TekBot oktober 24, 2022, 9:41pm #243

Acquisition of own shares / primary insider trades

On behalf of Gjensidige (OSE:GJF), DNB has on 24 October 2022 acquired 96 259
shares in Gjensidige Forsikring ASA, LEI 5967007LIEEXZX6FAO47, ISIN NO0010582521
on Oslo Børs. 81 203 shares have been sold to employees, at a price of NOK
…

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190.8967 per share, as part of the Gjensidige share savings scheme 2022.
Acquisition of shares for the share savings scheme for the third quarter 2022 is
now completed.

Primary insiders in Gjensidige Forsikring ASA have on 24 October 2022 received
shares in Gjensidige Forsikring ASA as part of the Gjensidige share savings
scheme 2022.

Gjensidige now owns 48 319 own shares.

For a description of the share savings scheme, see stock exchange release dated
17 December 2021.

See attachment(s) for details on the acquisition of primary insider trades.

This information is subject to disclosure under the Norwegian Securities Act
section §5-12.

Contacts:

Head of Investor Relations: Mitra Hagen Negård. Tel: +47 957 93 631

Head of Communication: Øystein Thoresen. Tel: +47 952 33 382

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 3,800 employees and offer insurance products in Norway,
Denmark, Sweden and the Baltic states. In Norway, we also offer pension and
savings. The Group’s operating income was NOK 30 billion in 2021, while total
assets were NOK 130 billion.

Kilde

TekBot oktober 27, 2022, 7:29am #244

Financial calendar

TekBot november 14, 2022, 9:25am #245

Invitation to webinar on IFRS 9 and 17 at Gjensidige on 22 November 2022

Gjensidige Forsikring is pleased to invite investors, analysts, media and other
relevant stakeholders to a webinar on Tuesday 22 November, 09:00 to
approximately 10:00 CET, including Q&A.
…

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The event will take place as a video webcast, available for everyone to view on
gjensidige.no/ir.

Presentations will be held by Cheif Financial Officer Jostein Amdal and Chief
Accountant Karen-Elise Berg Christoffersen, with a focus on the main impacts of
IFRS 9 and 17 on Gjensidige Group’s accounts. Chief Actuary Simen Gaarder will
participate during the Q&A session.

The presentations and Q&A session will be held in English.

Participants who would like to ask questions can type in questions during the
webinar, or dial in using one of the telephone numbers below.

Dial-in details:
Norway: +47 215 63 318 UK/ Europe: +44 (0) 33 0551 0200 USA: +1 212 999 6659
Other locations: Please choose one of the above

A replay of the presentation and Q&A session will be made available the same
day.

For further information, please contact:
Head of Investor Relations, Mitra Hagen Negård, mobile: +47 957 93 631, email:
Mitra-Hagen.Negard@gjensidige.no
Investor Relations Officer, Marius Michelsen Fjellbo, mobile +47 995 67
593, email: Marius-michelsen.fjellbo@gjensidige.no

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 3,800 employees and offer insurance products in Norway,
Denmark, Sweden and the Baltic states. In Norway, we also offer pension and
savings. The Group’s operating income was NOK 30 billion in 2021, while total
assets were NOK 130 billion.

Kilde

TekBot desember 19, 2022, 3:34pm #246

Share savings scheme 2023 for employees of the Gjensidige Group and subscription from primary insider employees

The Board of Gjensidige Forsikring ASA has decided to continue the share savings
scheme for employees. Through the scheme, the company offers employees of the
company, its branches in Denmark and Sweden and subsidiaries in Norway to buy
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shares in the company. The purpose of the scheme is to increase interest among
employees for the company’s goals and performance through owning shares. The
scheme is also part of the company’s strategy of motivating, rewarding and
retaining employees. The Board wishes the scheme to become a permanent part of
the company’s employee incentive scheme. The general meeting will nevertheless
consider the acquisition of shares every year and thereby decide whether to
continue the scheme.

The offer
For 2023, the company will offer a share savings scheme based on a maximum
annual savings amount (NOK/SEK/DKK 90,000) that is financed by a monthly
deduction from salary. The company will contribute with 25 percent of the agreed
yearly amount invested, limited upwards to NOK 7,500 per year. After two years
of ownership, and provided the person is still employed with Gjensidige, the
company will allocate one bonus share for every fourth share bought in
connection with this offer. The purchase of shares will take place through DNB
on the day or days following publication of the interim accounts. The first
purchase will take place after the publication of the 1st quarter 2023 interim
report. The purchase price and the number of shares acquired by the company will
be reported in accordance with the applicable regulations. Employees will be
allocated shares at the purchase price, adjusted for the discount.

Subscription
Attached to this release is primary insiders’ subscription in the share savings
scheme for 2023. The subscribed amount disclosed is the total amount for 2023.
The purchase price and the number of shares will be reported each time
allocation has been made.

Background
At the annual general meeting on 24 March 2022, the general meeting authorised
the Board to acquire shares on behalf of the company. Shares purchased in
accordance with the authorisation can, among other things, be used for sale and
transfer to employees of the Gjensidige Group as part of the Group’s share
savings scheme as approved by the Board, or to executive employees in accordance
with the remuneration regulations and the pay policy adopted by the Board. The
authorisation is valid until the next annual general meeting, however no longer
than until 30 June 2023.

This information is subject to disclosure under the Norwegian Securities Act
section §5-12.

Contact details, Gjensidige Forsikring ASA:

Head of Investor Relations: Mitra H. Negård, Tel: +47 957 93 631

Head of Communication: Øystein Thoresen, Tel: +47 952 33 382

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 3,800 employees and offer insurance products in Norway,
Denmark, Sweden and the Baltic states. In Norway, we also offer pension and
savings. The Group’s operating income was NOK 30 billion in 2021, while total
assets were NOK 130 billion.

Kilde

TekBot desember 22, 2022, 3:16pm #247

Today, Gjensidige published further details on preliminary financial statements for the first nine months of 2022, based on IFRS 9 and 17

On 22 November, Gjensidige hosted a webinar on implementation of new accounting
standards and published preliminary financial statements for the first nine
months of 2022. Today, Gjensidige has published further details for the first
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nine months of 2022, split by each quarter. The document is available at
Investor Relations - Gjensidige together with other documents
published in connection with the webinar on 22 November, and at
Reports and presentations - Gjensidige (other documents).

For further information, please contact:
Head of Investor Relations, Mitra Hagen Negård, mobile: +47 957 93 631, email:
Mitra-Hagen.Negard@gjensidige.no
Investor Relations Officer, Marius Michelsen Fjellbo, mobile +47 995 67
593, email: Marius-Michelsen.Fjellbo@gjensidige.no

Kilde

TekBot desember 29, 2022, 1:09pm #248

Ny rente

TekBot januar 4, 2023, 11:29am #249

Invitation to the presentation of Gjensidige’s results for the 4th quarter 2022

Gjensidige Forsikring (OSE:GJF) will publish the results for the 4th quarter
2022 on 25 January at 7.00 CET.

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25 January (Oslo)

9.00 CET
CEO Geir Holmgren and CFO Jostein Amdal will present the results in a combined
webcast and conference call. The presentation and following Q&A session will be
held in English. The webcast can be viewed live on www.gjensidige.no/ir.

Participants who would like to ask questions can dial in using one of the
telephone numbers below. The full presentation can also be listened to live,
using the same dial-in details.

Dial-in details:
Norway: +47 2156 3318
UK/ Europe: +44 (0) 33 0551 0200
USA: +1 212 999 6659
Other locations: Please choose one of the above

Password: GjensidigeQ4

A replay of the presentation and Q&A session will be made available from the
same day.

11.00 CET
CEO Geir Holmgren, CFO Jostein Amdal and IR will be available for a in-person
Q&A session for sell-side analysts at Gjensidige’s headquarter in Oslo,
Schweigaards gate 21. Sell-side analysts who wish to attend can register by
sending an e-mail to ir@gjensidige.no by the end of business 23 January.

26 January (London)
At 08:00 GMT, CEO Geir Holmgren, CFO Jostein Amdal and Head of IR Mitra H.
Negård will be available for a Q&A session for sell-side analysts at DNB’s
premises, 8th Floor, The Walbrook Building, 25 Walbrook, London EC4N 8AF. Sell
-side analysts who wish to attend the Q&A session are requested to register by
contacting Wendy Busuttil by email: wendy.busuttil@dnb.no by end of business 23
January.

Contact persons, Gjensidige Forsikring ASA:
Head of Investor Relations, Mitra Hagen Negård. Tel.: +47 957 93 631
Head of Communication, Øystein Thoresen. Tel.: +47 952 33 382

For more information about Gjensidige, please visit www.gjensidige.no/group.

Kilde

TekBot januar 5, 2023, 1:02pm #250

Ny rente

E24Bot januar 22, 2023, 9:40pm #251

Dette skjer denne uken: – Musk kan dra opp mange kaniner av hatten

TekBot januar 25, 2023, 6:00am #252

Key information relating to the proposed cash dividend to be paid by Gjensidige Forsikring ASA

TekBot januar 25, 2023, 6:02am #253

Solid fourth quarter and full year underwriting results. The financial result reflects high market volatility.

This release contains inside information related to Gjensidige Forsikring ASA
pursuant to the EUMarket Abuse Regulation and is subject to the disclosure
requirements pursuant to Section 5-12 the Norwegian Securities Trading Act.
…

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Strong operations, effective pricing measures, good risk selection and stringent
cost control resulted in a solid underwriting result for the quarter and full
year. The return on the investment portfolio reflects market conditions. The
outlook for Gjensidige’s underwriting results remains good. The Board proposes a
regular dividend of NOK 8.25 per share.

Gjensidige Forsikring Group recorded a profit before tax of NOK 1,694.2 million
(2,850.1) for the quarter. The profit in the fourth quarter of 2021 included
appreciation of NOK 1.2 billion in the value of the property assets in the
investment portfolio, related to the sale of Oslo Areal. The profit after tax
was NOK 1,334.5 million (2,486.3) and the corresponding earnings per share were
NOK 2.64 (4.96). The profit from general insurance operations measured by the
underwriting result was NOK 1,174.4 million (1,347.4), corresponding to a
combined ratio of 85.6 (82.0).

We are very pleased with the solid results Gjensidige has delivered. And I am
very confident that we are on the best possible trajectory to continue our
strong performance. We will stay ahead of claims inflation, and unless the
current geopolitical situation becomes dramatically worse, we do not expect to
see any significant negative spill-over to our underwriting result, says CEO
Geir Holmgren. -We will continue to create value for our stakeholders, including
paying out attractive dividends to our shareholders, Holmgren says.

-I would also like to mention the step-up in our sustainability efforts
throughout the Group. We contribute to a safer society and cut emissions both
within the investment portfolio, our claims handlings processes and internal
processes. I am also very pleased with our continued strong growth and
profitability in commercial insurance across all countries, Holmgren says.

Earned premiums from general insurance increased by 9.2 per cent to NOK 8,156.5
million (7,471.6) in the quarter. Measured in local currency, premiums increased
by 8.4 per cent. Earned premiums increased due to solid renewals, effective and
differentiated pricing measures and volume growth.

The underwriting result reflects strong premium growth, offset by a higher loss
ratio. Large losses were significantly higher and run-off gains somewhat higher
than in the same quarter in 2021. The cost ratio continued to improve. The
underlying frequency loss ratio increased by 2.3 percentage points compared with
the same quarter in 2021. Adjusted for the positive Covid-19 impact on claims in
the fourth quarter 2021, the underlying frequency loss ratio increased by 1.8
percentage points, driven by Commercial and Denmark.

The Pension segment generated a record high profit for the period, driven by
increased operating and financial income. The financial result for the quarter
was NOK 559.9 million (1,497.4), which corresponds to a return on total assets
of 1.0 per cent (2.5). The result was positively impacted by higher equity
markets and marginally lower interest rates. Lower credit spreads also
contributed positively.

For the full year 2022, the Group recorded a profit before tax of NOK 5,823.9
million (8,799.4). The profit from general insurance operations measured by the
underwriting result was NOK 5,855.8 million (5,718.3), corresponding to a
combined ratio of 81.4 (80.4). The profit after tax was NOK 4,568.8 million
(7,141.1). Earnings per share amounted to NOK 9.04 (14.18). The profit includes
a NOK 0.8 billion gain on the sale of Oslo Areal in the first quarter 2022,
recorded under Other items. The increase in the underwriting result was driven
by 8.3 per cent growth in earned premiums, partly offset by a higher loss ratio.
Earned premiums rose by 8.8 per cent measured in local currency. Large losses
were higher and run-off gains lower than in 2021. The underlying frequency loss
ratio increased by 0.3 percentage points. Adjusted for the effects of the
weather and Covid-19 claims in 2021, the underlying frequency loss ratio
improved by 0.1 percentage points.

The Pension segment recorded a higher profit, mainly driven by increased
insurance and financial income.

The rise in interest rates in 2022 in combination with an increase in credit
spreads has had a negative impact on fixed-income investments. Due to the rise
in interest rates, other asset classes also generated negative returns.
Commodities, Private Equity, bonds valued at amortised cost and fixed-income
investments with a short duration were the only asset classes with positive
returns in the investment portfolio during the period. The financial result for
the year was minus NOK 651.0 million (3,063.1), which corresponds to a return on
total assets of minus 1.1 per cent (5.1). Oslo Areal was sold during the fourth
quarter 2021. The transaction was closed in January 2022. A gain of NOK 0.8
billion was recorded under Other items in the first quarter 2022.

Highlights fourth quarter 2022 (fourth quarter 2021)

· Profit/(loss) before tax: NOK 1,694.2 million (2,850.1)
· Earnings per share: NOK 2.64 (4.96)
· Earned premiums: NOK 8,156.5 million (7,471.6)
· Underwriting result: NOK 1,174.4 million (1,347.4)
· Combined ratio: 85.6 (82.0)
· Cost ratio: 14.0 (14.4)
· Financial result: NOK 559.9 million (1,497.4)

Highlights year as a whole 2022 (2021)

· Profit/(loss) before tax: NOK 5,823.9 million (8,799.4)
· Earnings per share: NOK 9.04 (14.18)
· Earned premiums: NOK 31,552.3 million (29,136.4)
· Underwriting result: NOK 5,855.8 million (5,718.3)
· Combined ratio: 81.4 (80.4)
· Cost ratio: 13.7 (14.2)
· Financial result: NOK minus 651.0 million (3,063.1)

Proposed dividend

· Proposed regular dividend: NOK 4,125 million (3,850), corresponding to NOK
8.25 per share (7.70)

This release contains alternative performance measures (APMs). APMs are
described at
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a document named APMs Gjensidige Forsikring Group Q4 2022.

This release is issued by Jon Aniksdal, Communication Manager at Gjensidige
Forsikring ASA.

Date and time of publication: 07:00 CET,25.January 2023.

Contact persons,Gjensidige Forsikring ASA:
Head ofCommunication, Øystein Thoresen. Tel: 47 952 33 382
Head of Investor Relations Mitra Hagen Negård.Tel: 47 957 93 631

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 4,200 employees and offer insurance products in Norway,
Denmark, Sweden and the Baltic states. In Norway, we also offerpension and
savings. The Group’s operating income was NOK 34 billion in 2022, while total
assets were NOK 135 billion.

Kilde

TekBot januar 25, 2023, 6:02am #254

Solid forsikringsresultat i fjerde kvartal og for året som helhet. Finansresultatet gjenspeiler høy volatilitet i markedet.

Denne meldingen inneholder innsideinformasjon knyttet til Gjensidige Forsikring
ASA i henhold til EUs forordning om markedsmisbruk, og er informasjonspliktig
etter den norske verdipapirhandelloven §5-12
…

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Solid drift, effektive pristiltak, god risikoseleksjon og streng
kostnadskontroll resulterte i et solid forsikringsresultat for kvartalet og for
året som helhet. Avkastningen på investeringsporteføljen gjenspeiler
markedsforholdene. Utsiktene for Gjensidiges forsikringsresultat er fortsatt
gode. Styret foreslår at det utbetales et ordinært utbytte på 8,25 kroner per
aksje.

Gjensidige Forsikring konsern fikk et resultat før skatt på 1694,2 millioner
kroner (2850,1) i kvartalet. Resultatet i fjerde kvartal 2021 inkluderte en
økning på 1,2 milliarder kroner i verdien av eiendommene i
investeringsporteføljen, knyttet til salget av Oslo Areal. Resultat etter skatt
ble 1334,5 millioner kroner (2486,3), tilsvarende 2,64 kroner (4,96) per aksje.
Resultatet fra skadeforsikringsvirksomheten, målt ved forsikringsresultatet, ble
1174,4 millioner kroner (1347,4), tilsvarende en combined ratio på 85,6 (82,0).

Vi er svært fornøyd med de solide resultatene Gjensidige har levert. Og jeg er
veldig trygg på at vi er på best mulig vei for å fortsette våre sterke
prestasjoner. Vi vil ligge i forkant av skadeinflasjonen, og med mindre den
nåværende geopolitiske situasjonen blir dramatisk verre, forventer vi ikke å se
noen betydelig negativ effekt på vårt forsikringsresultat, sier konsernsjef Geir
Holmgren. - Vi skal fortsette å skape verdier for våre interessenter, inkludert
å utbetale attraktive utbytter til våre aksjonærer, sier Holmgren.

Jeg vil også trekke fram det løftet som nå skjer rundt bærekraft i konsernet.
Vi bidrar til et tryggere samfunn og vi kutter klimautslipp i
investeringsporteføljer, skadeprosesser og intern drift. Jeg er også godt
fornøyd med fortsatt solid vekst og lønnsomhet innen næringslivssegmentene i
alle land, sier Holmgren.

Premieinntektene fra skadeforsikring økte med 9,2 prosent til 8156,5 millioner
kroner (7471,6) for kvartalet. I lokal valuta økte premiene med 8,4 prosent.
Premieinntektene økte takket være solide fornyelser, effektive differensierte
pristiltak og volumvekst. Forsikringsresultatet gjenspeiler en sterk
premievekst, som ble motvirket av en høyere skadeprosent. Storskadeinnslaget var
betydelig høyere og avviklingsgevinstene noe høyere enn i samme kvartal i 2021.
Kostnadsandelen fortsatte å forbedre seg. Den underliggende
frekvensskadeprosenten gikk opp 2,3 prosentpoeng sammenlignet med samme kvartal
i 2021. Justert for den positive innvirkningen av pandemien på
erstatningskostnadene i fjerde kvartal 2021, økte den underliggende
frekvensskadeprosenten med 1,8 prosentpoeng, drevet av Næringsliv og Danmark.

Pensjonssegmentet fikk et rekordhøyt resultat i perioden, drevet av økte drifts-
og finansinntekter. Finansresultatet for kvartalet endte på 559,9 millioner
kroner (1497,4), tilsvarende en samlet avkastning på 1,0 prosent (2,5).
Resultatet ble positivt påvirket av oppgangen i aksjemarkedene og marginalt
lavere renter. Lavere kredittspreader bidro også positivt.

For året 2022 hadde konsernet et resultat før skatt på 5823,9 millioner kroner
(8799,4). Resultatet fra skadeforsikringsvirksomheten, målt ved
forsikringsresultatet, ble 5855,8 millioner kroner (5718,3), tilsvarende en
combined ratio på 81,4 (80,4). Resultat etter skatt ble 4568,8 millioner kroner
(7141,1). Resultat per aksje ble 9,04 kroner (14,18). I resultatet inngår en
gevinst på 0,8 milliarder kroner fra salget av Oslo Areal i første kvartal 2022,
bokført under øvrige poster. Bedringen i forsikringsresultatet var drevet av 8,3
prosent vekst i premieinntekter, som ble delvis utlignet av en høyere
skadeprosent. Premieinntektene økte med 8,8 prosent målt i lokal valuta.
Storskadeinnslaget var høyere og avviklingsgevinstene lavere enn i 2021. Den
underliggende frekvensskadeprosenten gikk opp med 0,3 prosentpoeng. Justert for
effektene av vær og pandemirelaterte krav i 2021 var bedringen i den
underliggende frekvensskadeprosenten på 0,1 prosentpoeng.

Pensjonssegmentet oppnådde et bedre resultat, hovedsakelig drevet av økte
forsikrings- og finansinntekter.

Investeringene i renteinstrumenter ble negativt påvirket av renteøkningen i
2022, kombinert med økte kredittspreader. På grunn av renteoppgangen ble
avkastningen for andre aktivaklasser også negativ. Råvarer, Private Equity,
obligasjoner til amortisert kost og investeringer i renteinstrumenter med kort
durasjon var de eneste aktivaklassene med positiv avkastning denne perioden.
Finansresultatet for året endte på minus 651,0 millioner kroner (3063,1),
tilsvarende en samlet avkastning på minus 1,1 prosent (5,1). Oslo Areal ble
solgt i fjerde kvartal 2021. Transaksjonen ble avsluttet i januar 2022. En
gevinst på 0,8 milliarder kroner ble bokført under øvrige poster i første
kvartal 2022.

Hovedpunkter fjerde kvartal 2022 (fjerde kvartal 2021)

· Resultat før skatt: 1694,2 millioner kroner (2850,1)
· Resultat per aksje: 2,64 kroner (4,96)
· Premieinntekter: 8156,5 millioner kroner (7471,6)
· Forsikringsresultat: 1174,4 millioner kroner (1347,4)
· Combined ratio: 85,6 (82,0)
· Kostnadsandel: 14,0 (14,4)
· Finansresultat: 559,9 millioner kroner (1497,4)

Hovedpunkter året som helhet 2022 (2021)

· Resultat før skatt: 5823,9 millioner kroner (8799,4)
· Resultat per aksje: 9,04 kroner (14,18)
· Premieinntekter: 31552,3 millioner kroner (29136,4)
· Forsikringsresultat: 5855,8 millioner kroner (5718,3)
· Combined ratio: 81,4 (80,4)
· Kostnadsandel: 13,7 (14,2)
· Finansresultat: minus 651,0 millioner kroner (3063,1)

Foreslått utbytte

· Foreslått ordinært utbytte: 4 125 millioner kroner (3850), tilsvarende 8,25
kroner per aksje (7,70)

Denne meldingen inneholder alternative resultatmål (APM). APM er beskrevet på
www.gjensidige.no/reporting (Error during processing.
http://www.gjensidige.no/reporting&data=04|01||43db9890c1f6476db42008d99921
b671%7C80184e22072c440ea8a922f52b82646d%7C0%7C0%7C637709192333877723%7CUnknown%7C
TWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0=%7C10
00&sdata=JreMhWzuWCzKnvhyN0V3v+aM9XVvpP5C2POfHIx45nE=&reserved=0) i et dokument
som heter APMs Gjensidige Forsikring Group Q42022.

Denne meldingen har blitt publisert av Jon Aniksdal, som er kommunikasjonssjef i
Gjensidige Forsikring ASA.

Dato og tid for publisering: 07:00 CET, 25. januar 2023.

Kontakter:
KommunikasjonsdirektørØystein Thoresen. Tlf.: 952 33 382
IR-direktørMitra Hagen Negård Tlf.: 957 93 631

Gjensidige er et ledende nordisk skadeforsikringsselskap notert på Oslo Børs. Vi
har om lag 4200 medarbeidere og tilbyr skadeforsikring i Norge, Danmark, Sverige
og Baltikum. I Norge tilbyr vi ogsåpensjon og sparing. Driftsinntektene var34
milliarder kroner i 2022 mens forvaltningskapitalen utgjorde 135 milliarder
kroner.

Kilde

E24Bot januar 25, 2023, 6:24am #255

Gjensidige leverte svakere enn ventet – tjente 1,69 milliarder i fjerde kvartal

E24Bot januar 25, 2023, 7:10am #256

Gjensidige leverte svakere enn ventet – tjente 1,7 milliarder i fjerde kvartal

TekBot januar 25, 2023, 9:55am #257

Primary insider trade

TekBot januar 25, 2023, 2:05pm #258

CEO has purchased shares

TekBot januar 26, 2023, 5:42pm #259

Primary insider trade

TekBot januar 26, 2023, 8:32pm #260

Share savings scheme / primary insider trades

On 26 January 2023, DNB acquired 89 500 shares in Gjensidige Forsikring ASA
(“Gjensidige” or the “Company”, OSE:GJF, LEI 5967007LIEEXZX6FAO47, ISIN
NO0010582521) on behalf of the Company. 89 322 shares have been sold to
…

Vis børsmeldingen

employees at a price of NOK 179.1693 per share as part of Gjensidiges share
savings scheme for 2023. For a description of the share savings scheme, see the
stock exchange release dated 19 December 2022.

The acquisition of shares under the share savings scheme for the fourth quarter
of 2022 is now completed.

Primary insiders in Gjensidige have on 26 January 2023 received shares in the
Company as part of the share savings scheme for 2023. See attachment for details
on the acquisition of shares by primary insiders.

Following the purchase and sale of shares for the fourth quarter of 2022 in
connection with the share savings scheme, Gjensidige owns 35 896 own shares.

This information is subject to the disclosure requirements pursuant to article
19 of Regulation (EU) No 596/2014 and section 5-12 of the Norwegian Securities
Trading Act.

Contacts:

Head of Investor Relations: Mitra Hagen Negård. Tel: +47 957 93 631

Head of Communication: Øystein Thoresen. Tel: +47 952 33 382

Kilde