Gjensidige forsikring (GJF)

TekBot · januar 4, 2024, 2:46pm

Ny rente

TekBot · januar 8, 2024, 1:30pm

Invitation to the presentation of Gjensidige’s results for the 4th quarter 2023

Gjensidige Forsikring (OSE:GJF) will publish the results for the 4th quarter
2023 on 24 January at 7.00 CET.

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Agenda:

24 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.com/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: +1 786 697 3501
Other locations: Please choose one of the above

Password: GjensidigeQ4
A replay of the presentation and Q&A session will be made available later the
same day.

11.00 CET

CEO Geir Holmgren, CFO Jostein Amdal and IR will be available for a Q&A session
for sell-side analysts in person at Gjensidige’s head office in Oslo or via
telephone. Those who wish to attend can register by sending an e-mail to
ir@gjensidige.no by the end of 22 January. Please specify if the attendance
would be in person or via telephone. Dial in details will be sent upon
registration for participants on the telephone line.

25 January (London)

CEO Geir Holmgren and Head of IR Mitra Hagen Negård will be available for a Q&A
session for sell-side analysts in London at 08:00 GMT. Sell-side analysts who
wish to attend this session are requested to register by sending an e-mail to
ir@gjensidige.no by end of business 22 January. Further information on the
premises will be provided prior to the meeting.

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

Kilde

TekBot · januar 24, 2024, 6:02am

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

TekBot · januar 24, 2024, 6:02am

Results for the quarter and the full year impacted by challenging weather conditions

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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Gjensidige generated a profit after tax of NOK 1.1 billion during the fourth
quarter and NOK 4.1 billion for the full year, reflecting continued strong
momentum in revenue growth, but also higher claims costs impacted by challenging
weather conditions. The financial result from investments reflects the positive
development in the capital markets. Gjensidige will continue to strengthen
pricing measures and adjust terms and conditions to ensure that the increase in
claims costs is mitigated over time. Delivery on financial targets for 2023 was
impacted by challenging weather during the year and one-off expenses in the
third quarter. The outlook for Gjensidige’s insurance service results remains
good. The Board proposes a regular dividend of NOK 8.75 per share.

Gjensidige Forsikring Group recorded a profit before tax of NOK 1,606.5 million
(1,674.1) for the quarter. The profit after tax was NOK 1,112.6 million
(1,315.7) and the corresponding earnings per share were NOK 2.18 (2.60). The
profit from general insurance operations measured by the insurance service
result was NOK 734.3 million (1,101.0), corresponding to a combined ratio of
92.2 (86.8).

Challenging winter conditions with heavy snowfall and low temperatures in the
fourth quarter continued into 2024. Difficult driving conditions and frost
damage on properties contributed to a large number of claims from customers. In
cooperation with our suppliers, competent and dedicated employees have taken
good care of our customers, says CEO Geir Holmgren.

Our strong growth momentum is very encouraging. We are handling inflation well
and we have strong measures in place to mitigate the effects of the elevated
claims frequency in Norway. We will continue to focus on profitable growth, and
further improve operational efficiency, says Holmgren.

General insurance

Insurance revenue increased by 12.8 per cent to NOK 9,394.6 million (8,324.9) in
the quarter, or by 9.1 per cent measured in local currency. This was due to
solid renewals, effective and differentiated pricing measures and volume growth.
The insurance service result decreased by 33.3 per cent, due to a higher
underlying frequency loss ratio, higher large losses and lower run off gains.
Higher discounting effects contributed positively to the insurance service
result.

The underlying frequency loss ratio increased by 4.7 percentage points, mainly
driven by the Private segment. The claims frequency for motor insurance in
Norway increased significantly, reflecting the difficult driving conditions
caused by several periods with heavy snowfall and low temperatures. In addition,
the increase in underlying claims frequency for motor continued in the fourth
quarter. This was met with targeted measures that will have full effect on the
insurance service result over time. The weather conditions in the fourth quarter
also impacted claims frequency for property insurance in Norway. In addition,
the profitability for Norway was negatively impacted by a strengthening of
reserves for claims incurred earlier in 2023. The profitability of property
insurance in Denmark was negatively impacted by windstorms and cloudbursts
during the quarter. The cost ratio was broadly stable at 13.3 percentage points.

Pension

The Pension segment generated a profit before tax of NOK 113.7 million (134.7),
mainly reflecting a lower insurance service result and an increase in net
finance income. The decline in the insurance service result was mainly driven by
a positive impact on the result in the fourth quarter 2022 related to a change
in the actuarial model for paid-up policies, in addition to a strengthening of
provisions for children’s disability pension.

Financial result

The financial result for the quarter was NOK 1,876.3 million (968.4), which
corresponds to a return on total assets of 3.1 per cent (1.7). The result for
the quarter was positively impacted by lower interest rates and credit spreads,
a high running yield, as well as positive equity markets.

Result for the year as a whole

Year-to-date the Group recorded a profit before tax of NOK 5,551.5 million
(4,317.5). The profit from general insurance operations measured by the
insurance service result was NOK 4,468.9 million (5,536.2) corresponding to a
combined ratio of 87.6 (82.8). The profit after tax was NOK 4,130.4 million
(3,437.8). Earnings per share amounted to NOK 8.11 (6.78).

The decrease in the insurance service result was driven by an increase in the
underlying frequency loss ratio, higher large losses and an increase in
operating expenses. The large losses were significantly impacted by claims
related to the storm ‘Hans’ and the torrential rain in Oslo during the third
quarter. Higher run-off gains and the discounting effect contributed positively.
The increase in the underlying frequency loss ratio was partly impacted by the
difficult driving conditions in the first and fourth quarters in Norway, with a
negative effect on profitability for private and commercial motor insurance, in
addition to lower profitability of private property in Norway and private motor
and property insurance in Denmark. Insurance revenue rose by 8.6 per cent
measured in local currency.

The Pension segment recorded a result before tax of NOK 106.1 million (129.7),
mainly reflecting a lower insurance service result and an increase in net
finance income. The decline in the insurance service result was driven by the
positive impact on the results in the fourth quarter of 2022 related to the
change to the actuarial model for paid-up policies and the strengthening of
provisions for children’s disability pension in the fourth quarter 2023.

The financial result for the period was NOK 2,590.3 million (minus 2,516.3),
which corresponds to a return on total assets of 4.3 per cent (minus 4.3). Most
asset classes contributed positively to the results for the year. A high running
yield and lower credit spreads in the fixed income portfolio, rising equity
markets and PE generated positive returns.

Highlights fourth quarter 2023 (fourth quarter 2022)

· Profit or loss before tax: NOK 1,606.5 million (1,674.1)
· Earnings per share: NOK 2.18 (2.60)
· Insurance revenue: NOK 9,394.6 million (8,324.9)
· Insurance service result: NOK 734.3 million (1,101.0)
· Combined ratio: 92.2% (86.8%)
· Cost ratio: 13.3% (13.4%)
· Financial result: NOK 1,876.3 million (968.4)

Highlights year as a whole 2023 (2022)

· Profit or loss before tax: NOK 5,551.5 million (4,317.5)
· Earnings per share: NOK 8.11 (6.78)
· Insurance revenue: NOK 36,162.0 million (32,217.7)
· Insurance service result: NOK 4,468.9 million (5,536.2)
· Combined ratio: 87.6% (82.8%)
· Cost ratio: 14.4% (13.2%)

· Financial result: NOK 2,590.3 million (minus 2,516.3)

Proposed dividend

· Proposed regular dividend: NOK 4,375 million (4,125), corresponding to NOK
8.75 per share (8.25)

This release contains alternative performance measures (APMs). APMs are
described at www.gjensidige.com/reporting in a document named Alternative
Performance Measures (APM).

This release is issued by Christian Haraldsen, Media Relations Officer at
Gjensidige Forsikring ASA.

Date and time of publication : 24 January 2024, 07:00 CET.

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 4,500 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 36 billion in 2023, while total
assets were NOK 148 billion.

Kilde

TekBot · januar 24, 2024, 6:02am

Kvartals- og årsresultat påvirket av krevende værforhold

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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Gjensidige fikk et resultat etter skatt på 1,1 milliarder kroner i fjerde
kvartal, og 4,1 millarder kroner for året som helhet. Dette reflekterer fortsatt
sterk inntektsvekst, men også høyere skadekostnader som følge av krevende
værforhold. De finansielle resultatene reflekterer den positive utviklingen i
kapitalmarkedene. Gjensidige vil fortsette å styrke pristiltakene og justere
vilkår for å sikre at økningen i skadekostnadene dempes over tid. Utsiktene for
Gjensidiges forsikringsresultat er fortsatt gode. Styret foreslår et ordinært
utbytte på 8,75 kroner per aksje.

Gjensidige Forsikring konsern oppnådde et resultat før skatt på 1.606,5
millioner kroner (1.674,1) i kvartalet. Resultat etter skatt ble 1 112,6
millioner kroner (1 315,7), og resultat per aksje ble 2,18 kroner (2,60).
Resultatet fra skadeforsikringsvirksomheten målt ved forsikringsresultatet ble
734,3 millioner kroner (1 101,0), tilsvarende en combined ratio på 92,2 (86,8).

Krevende vinterforhold med mye snø og lave temperaturer i fjerde kvartal
fortsatte inn i 2024. Vanskelige kjøreforhold og frostskader på eiendommer bidro
til et stort antall skademeldinger og henvendelser fra kunder. I samarbeid med
leverandørene våre har kompetente og dedikerte medarbeidere tatt godt vare på
kundene, sier konsernsjef Geir Holmgren.

Vår sterke vekstkraft er veldig oppmuntrende. Vi håndterer inflasjonen godt,
og vi har solide virkemidler på plass for å dempe virkningene av den høye
skadefrekvensen i Norge. Vi vil fortsette å fokusere på lønnsom vekst, og
ytterligere forbedre driftseffektiviteten, sier Holmgren

Skadeforsikring

Forsikringsinntektene økte med 12,8 prosent til 9 394,6 millioner kroner (8
324,9) i kvartalet, eller med 9,1 prosent målt i lokal valuta. Dette skyldes
solide fornyelser, effektive og differensierte pristiltak og volumvekst.
Forsikringsresultatet gikk ned med 33,3 prosent, som følge av høyere
underliggende frekvensskadeprosent, mere storskader og lavere
avviklingsgevinster. Høyere diskonteringseffekter bidro positivt til
forsikringsresultatet.

Den underliggende frekvensskadeprosenten økte med 4,7 prosentpoeng, hovedsakelig
drevet av privat-segmentet. Skadefrekvensen for motorforsikring i Norge økte
betydelig, noe som gjenspeiler de vanskelige kjøreforholdene som følge av flere
perioder med mye snø og lave temperaturer. I tillegg fortsatte økningen i
underliggende skadefrekvens for motor i fjerde kvartal. Dette ble møtt med
målrettede tiltak som vil ha full effekt på forsikringsresultatet over tid.
Værforholdene i fjerde kvartal påvirket også skadefrekvensen for
bygningsforsikring i Norge. I tillegg ble lønnsomheten for Norge negativt
påvirket av økte avsetninger for skader inntruffet tidligere i 2023.
Lønnsomheten i bygningsforsikringen i Danmark ble negativt påvirket av storm og
skybrudd i kvartalet. Kostnadsandelen var om lag stabil på 13,3 prosentpoeng.

Pensjon

Pensjonssegmentet oppnådde et resultat før skatt på 113,7 millioner kroner
(134,7), hovedsakelig som følge av et lavere forsikringresultat og en økning i
netto finansinntekter. Nedgangen i forsikringsresultatet var hovedsakelig drevet
av en positiv resultateffekt i fjerde kvartal 2022 knyttet til en endring i
aktuarmodellen for fripoliser, samt en styrking av avsetningene for
barneuførepensjon.

Finansresultat

Finansresultatet for kvartalet ble 1 876,3 millioner kroner (968,4), noe som
tilsvarer en avkastning på 3,1 prosent (1,7). Resultatet for kvartalet ble
positivt påvirket av lavere renter og kredittspreader og høy løpende avkastning,
samt positive aksjemarkeder.

Resultat for året

Konsernet oppnådde et årsresultat før skatt på 5 551,5 millioner kroner (4
317,5). Resultatet fra skadeforsikringsvirksomheten målt ved
forsikringsresultatet ble 4 468,9 millioner kroner (5 536,2), tilsvarende en
combined ratio på 87,6 (82,8). Resultat etter skatt ble 4 130,4 millioner kroner
(3 437,8). Resultat per aksje ble 8,11 kroner (6,78). Nedgangen i
forsikringsresultatet var drevet av en økning i den underliggende
frekvensskadeprosenten, større storskader og en økning i driftskostnadene.
Storskadene ble betydelig påvirket av skadeutbetalinger knyttet til stormen
«Hans» og det voldsomme regnet i Oslo i tredje kvartal. Høyere
avviklingsgevinster og diskonteringseffekten bidro positivt. Økningen i
underliggende frekvensskadeprosent var delvis påvirket av de vanskelige
kjøreforholdene i første og fjerde kvartal i Norge, med negativ effekt på
lønnsomheten for motorforsikring både for privat- og næringsmarkedet, i tillegg
til lavere lønnsomhet for privat bygningsforsikring i Norge og privat motor- og
bygningsforsikring i Danmark. Forsikringsinntektene økte med 8,6 prosent målt i
lokal valuta.

Pensjonssegmentet oppnådde et resultat før skatt på 106,1 millioner kroner
(129,7), hovedsakelig som følge av et lavere resultat for forsikringstjenester
og en økning i netto finansinntekter. Nedgangen i forsikringsresultatet var
drevet av den positive resultateffekten i fjerde kvartal 2022 knyttet til
endringen i aktuarmodellen for fripoliser og styrkingen av avsetningene for
barneuførepensjon i fjerde kvartal 2023.

Finansresultatet for perioden ble 2 590,3 millioner kroner (minus 2 516,3), som
tilsvarer en avkastning på 4,3 prosent (minus 4,3). De fleste aktivaklassene
bidro positivt til årets resultat. Høy løpende avkastning og lavere
kredittspreader i renteporteføljen, stigende aksjemarkeder og PE ga positiv
avkastning.

Høydepunkter fjerde kvartal 2023 (fjerde kvartal 2022)

· Resultat før skatt:1 606,5 millioner kroner (1 674,1)
· Resultat per aksje: 2,18 kroner (2,60)
· Forsikringsinntekter: 9 394,6 millioner kroner (8 324,9)
· Forsikringsresultat: 734,3 millioner kroner (1 101,0)
· Combined ratio: 92,2% (86,8%)
· Kostnadsandel: 13,3% (13,4%)
· Finansresultat: 1 876,3 millioner kroner (968,4)

Høydepunkter året som helhet 2023 (2022)

· Resultat før skatt: 5 551,5 millioner kroner (4 317,5)
· Resultat per aksje: 8,11 kroner (6,78)
· Forsikringsinntekter: 36 162,0 millioner kroner (32 217,7)
· Forsikringsresultat: 4 468,9 millioner kroner (5 536,2)
· Combined ratio: 87,6% (82,8%)
· Kostnadsandel: 14,4% (13,2%)
· Finansresultat: 2 590,3 millioner kroner (minus 2 516,3)

Foreslått utbytte

Foreslått ordinært utbytte: 4 375 millioner kroner (4 125), tilsvarende 8,75 per
aksje (8,25)

Denne meldingen inneholder alternative resultatmål (APM). APM er beskrevet på
www.gjensidige.com/rapportering i et dokument som heter «Alternative
resultatmål».

Denne meldingen har blitt publisert av Christian Haraldsen, som er
kommunikasjonssjef i Gjensidige Forsikring ASA.

Dato og tid for publisering: 24. januar 2024, 07:00 CET.

Kontakter:
Kommunikasjonsdirektør Øystein Thoresen. Tlf: 47 952 33 382
IR-direktør Mitra Hagen Negård Tlf: 47 957 93 631

Gjensidige er et ledende nordisk skadeforsikringsselskap notert på Oslo Børs. Vi
har om lag 4500 medarbeidere og tilbyr skadeforsikring i Norge, Danmark, Sverige
og Baltikum. I Norge tilbyr vi også pensjon og sparing. Driftsinntektene var 36
milliarder kroner i 2023 mens forvaltningskapitalen utgjorde 148 milliarder
kroner.

Kilde

E24Bot · januar 24, 2024, 6:43am

Gjensidige øker milliardutbytte tross krevende vær

TekBot · januar 24, 2024, 11:02am

Closely related party to CEO has purchased shares

TekBot · januar 25, 2024, 7:54pm

Acquisition of own shares / primary insider trades

On 25 January 2024, DNB acquired a total of 120 643 shares in Gjensidige
Forsikring ASA (“Gjensidige” or the “Company”, OSE:GJF, LEI
5967007LIEEXZX6FAO47, ISIN NO0010582521) on behalf of the Company. 97 010 shares
…

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have been sold to employees at a price of NOK 173.2321 per share as part of
Gjensidige’s share savings scheme for 2023. For a description of the share
savings scheme, see the stock exchange release dated 19 December 2022.

Acquisition of shares under the share savings scheme for the fourth quarter 2023
is now complete.

Primary insiders in Gjensidige have on 25 January 2024 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 2023 in
connection with the share savings scheme, Gjensidige will own 54 786 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

TekBot · februar 1, 2024, 8:12am

Financial calendar

TekBot · februar 15, 2024, 12:09pm

GJF: Annual Report 2023

The Board of Gjensidige Forsikring ASA determined the Annual Accounts and the Integrated Annual Report for 2022 in a board meeting today. The Annual Accounts were determined without material changes to the preliminary Annual Accounts published on 24 January 2024.

The Integrated Annual Report for 2023 is attached to this announcement and is also published on www.gjensidige.com/reporting.
…

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This information is subject to disclosure under the Norwegian Securities Act section 5-12 and the requirements of Oslo Børs’ Continuing Obligations.

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

Media Relations Officer Christian Haraldsen. Tel: 47 907 87 449

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock Exchange. We have about 4,500 employees and offer insurance products in Norway, Denmark, Swe-den and the Baltic states. In Norway, we also offer pension and savings. The Group’s operating income was NOK 36 billion in 2023, while total assets were NOK 148 billion.

Kilde

TekBot · februar 15, 2024, 12:09pm

GJF: Årsrapport 2023

Styret i Gjensidige Forsikring ASA fastsatte årsregnskapet og integrert årsrapport for 2023 i styremøte i dag. Årsregnskapet ble fastsatt uten vesentlige endringer fra det foreløpige årsregnskapet som ble offentliggjort 24. januar 2024.

Den integrerte årsrapporten for 2023 er vedlagt denne meldingen og er også publisert på www.gjensidige.com/rapportering.
…

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Denne opplysningen er informasjonspliktig etter verdipapirhandelloven § 5-12 og i henhold til kravene i Løpende forpliktelser.

Kontakt:

IR-direktør Mitra Hagen Negård Tlf: 47 957 93 631

Kommunikasjonssjef Christian Haraldsen. Tlf: 47 907 87 449

Gjensidige er et ledende nordisk skadeforsikringsselskap notert på Oslo Børs. Vi
har om lag 4 500 medarbeidere og tilbyr skadeforsikring i Norge, Danmark,
Sverige og Baltikum. I Norge tilbyr vi også pensjon og sparing. Driftsinntektene
var 36 milliarder kroner i 2023, mens totale eiendeler utgjorde 148
milliarder kroner.

Kilde

TekBot · februar 19, 2024, 7:01am

Gjensidige Forsikring ASA: Contemplating Subordinated Tier 2 bond issue

Gjensidige Forsikring ASA (“Gjensidige” or “the Company”, OSE:GJF, LEI
5967007LIEEXZX6FAO47), rated A by S&P (stable), has mandated DNB Markets and
Nordea Bank Abp as Joint Lead Managers to arrange a digital fixed income
…

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investor meeting on Monday 19 February 2024.

The company contemplates to issue a new Tier 2 bond issue in NOK with floating
interest rate. The issuance may be split in one or more tranches, and each
tranche will have a minimum 30-year tenor, and the issuer will have a first call
option after minimum 5 years. Expected issue size is up to NOK 800 million,
subject to market conditions. The Tier 2 bond issue will be Solvency II
compliant and is expected to be rated BBB+ by S&P.

The contemplated bond issue is authorised by the Company’s General Meeting and
approved by the Norwegian Financial Supervisory Authority.

In conjunction with the potential bond issuance the company may consider to buy
-back the outstanding Subordinated Tier 2 bond issue GJF01 (ISIN NO0010720378).

For further information, please contact:

Mitra Hagen Negård, Head of Investor Relations, tel. +47 957 93 631

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

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 4,500 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 36 billion in 2023, while total
assets were NOK 148 billion.

Kilde

TekBot · februar 20, 2024, 2:02pm

Gjensidige Forsikring ASA: Successful issuance of Subordinated Tier 2 capital

With reference to the announcement dated 19 February 2024, Gjensidige Forsikring
ASA (“Gjensidige”), rated A by S&P (stable), has today successfully completed
issuance of a NOK 800 million Subordinated Tier 2 bond issue, which was
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significantly oversubscribed.

The Subordinated Tier 2 bond will have a floating rate coupon equal to 3 months
NIBOR + 1.70% p.a., and have a tenor of 30.5 years with a first call option for
Gjensidige after 5.25 years. Expected issue rating is BBB+ by S&P.

The Tier 2 issue is Solvency II compliant, and the issuance has been authorised
by Gjensidige’s General Meeting and approved by the Norwegian Financial
Supervisory Authority.

Settlement of the bonds is expected to be 28 February 2024, and the bonds will
be applied for listing on Euronext Oslo Børs.

DNB Markets and Nordea acted as joint lead arrangers.

For further information, please contact:
Mitra Hagen Negård, Head of Investor Relations, tel. +47 957 93 631.

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

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 4,500 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 36 billion in 2023, while total
assets were NOK 148 billion.

Kilde

TekBot · februar 20, 2024, 6:59pm

S&P assigns ‘BBB+’ rating to the Tier 2 bond issued on 20 February

TekBot · februar 21, 2024, 8:59am

GJF01 - Key information relating to partial redemption of bond issue

Issuer: Gjensidige Forsikring ASA
ISIN of bond loan: NO0010720378
Date of redemption: 28 February 2024
…

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Redemption amount: MNOK 263
Outstanding loan amount after redemption: MNOK 241
Redemption price: 100.364

The buy-back of NOK 263 million of GJF01 will be done in conjunction with the
issuance of a new subordinated Tier 2 bond issue (ISIN: NO0013167189) on 28
February 2024. The partial buy-back will be written down in the CSD (no: VPS),
provided that the new bond issue has been paid in.

This information is published in accordance with the requirements of the
Continuing Obligations.

For further information, please contact:
Mitra Hagen Negård, Head of Investor Relations, tel. +47 957 93 631

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 4,500 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 36 billion in 2023, while total
assets were NOK 148 billion.

Kilde

TekBot · februar 26, 2024, 7:32am

Innkalling til ordinær generalforsamling 2024

Ordinær generalforsamling i Gjensidige Forsikring ASA avholdes onsdag 20. mars
2024 kl. 17.00. Det vil være mulig å delta enten digitalt eller fysisk,
sistnevnte på Gjensidige Forsikring ASAs hovedkontor, Schweigaards gate 21, 0191
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Oslo.

Innkalling med dagsorden til generalforsamlingen samt utvalgte vedlegg følger
vedlagt. Innkallingen sendes til aksjeeierne 26. februar 2024.

Innkalling med samtlige vedlegg gjøres tilgjengelig på Gjensidiges nettsider
Foretaksstyring – Gjensidige.com.

Denne meldingen er informasjonspliktig etter verdipapirhandelloven §5-12.

Kontaktperson, Gjensidige Forsikring ASA:
IR-direktør Mitra Hagen Negård. Telefon: +47 957 93 631
Investorkontakt Marius Michelsen Fjellbo. Telefon: +47 995 67 593

Gjensidige er et ledende nordisk skadeforsikringsselskap notert på Oslo Børs. Vi
har om lag 4 500 medarbeidere og tilbyr skadeforsikring i Norge, Danmark,
Sverige og Baltikum. I Norge tilbyr vi også pensjon og sparing. Driftsinntektene
var 36 milliarder kroner i 2023, mens totale eiendeler utgjorde 148 milliarder
kroner.

Kilde

TekBot · februar 26, 2024, 7:32am

Notice of Annual General Meeting 2024

The Annual General Meeting of Gjensidige Forsikring ASA will be held Wednesday
20 March 2024 at 17:00 (CET). There is possibility of either digital or physical
attendance, the latter at Gjensidige Forsikring ASA’s head office, Schweigaards
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gate 21, 0191 Oslo.

The notice including agenda for the General Meeting and selected appendices are
attached to this disclosure. The notice will be sent to shareholders on 26
February 2024.

The notice with complete appendices will be made available on Gjensidige’s web
pages, Corporate governance – Gjensidige.com.

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

Contact, Gjensidige Forsikring ASA:
Head of Investor Relations Hagen Negård. Tel: +47 957 93 631
Investor Relations Officer Marius Michelsen Fjellbo. Tel: +47 995 67 593

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 4,500 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 36 billion in 2023, while total
assets were NOK 148 billion.

Kilde

TekBot · mars 1, 2024, 6:56pm

Share allocation to executive personnel

Executive personnel in Gjensidige Forsikring ASA, have on 1 March 2024 received
shares in Gjensidige Forsikring ASA (“Gjensidige” or the “Company”, OSE:GJF, LEI
5967007LIEEXZX6FAO47, ISIN NO0010582521), as part of the share-based payment
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arrangements.

20 022 shares have been allocated to executive personnel as variable pay. For a
description of share-based payment to executive personnel, reference is made to
note 24 in the annual report 2023.

Following the allocation of shares mentioned above, and the sale of shares to
employees in connection with the share savings scheme described in the stock
exchange release on 25 January 2024, Gjensidige will own 34 764 own shares.

See attachment for details on the allocation of shares to primary insiders.

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

Media Relations Officer: Christian Haraldsen. Tel: +47 907 87 449

Kilde

TekBot · mars 4, 2024, 7:01am

Gjensidige Forsikring ASA: Contemplating Restricted Tier 1 bond issue

Gjensidige Forsikring ASA (“Gjensidige” or “the Company”, OSE:GJF, LEI
5967007LIEEXZX6FAO47), rated A by S&P (stable), has mandated DNB Markets and
Nordea Bank Abp as Joint Lead Managers to arrange a digital fixed income
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investor meeting on Monday 4 March 2024.

The company contemplates to issue a new Restricted Tier 1 bond issue in NOK with
floating interest rate. The issuance may be split in one or more tranches, and
each tranche will have a perpetual tenor, and the issuer will have a first call
option after minimum 5 years. Expected issue size is up to NOK 800 million,
subject to market conditions. The Restricted Tier 1 issue will be Solvency II
compliant and is expected to be rated BBB by S&P.

The contemplated bond issue is authorised by the Company’s General Meeting and
approved by the Norwegian Financial Supervisory Authority.

For further information, please contact:

Mitra Hagen Negård, Head of Investor Relations, tel. +47 957 93 631

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

Gjensidige is a leading Nordic insurance group listed on the Oslo Stock
Exchange. We have about 4,500 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 36 billion in 2023, while total
assets were NOK 148 billion.

Kilde

TekBot · mars 5, 2024, 10:40am