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Tryg A/S (OTCPK:TGVSF) Q3 2025 Earnings Name October 10, 2025 4:00 AM EDT
Firm Individuals
Gianandrea Roberti – Investor Relations Officer
Johan Brammer – Group CEO & Member of Govt Board
Mikael Karrsten – Group Chief Technical Officer & Member of Govt Board
Allan Thaysen – CFO & Member of Govt Board
Convention Name Individuals
Martin Birk – SEB, Analysis Division
Qian Lu – UBS Funding Financial institution, Analysis Division
Nadia Claressa – JPMorgan Chase & Co, Analysis Division
Derald Goh – Jefferies LLC, Analysis Division
Asbjørn Mørk – Danske Financial institution A/S, Analysis Division
Mathias Nielsen – Nordea Markets, Analysis Division
Vinit Malhotra – Mediobanca – Banca di credito finanziario S.p.A., Analysis Division
Youdish Chicooree – Bernstein Autonomous LLP
Daniel Wilson-Omordia – Morgan Stanley, Analysis Division
Presentation
Gianandrea Roberti
Investor Relations Officer
Good morning, everyone. My title is Gianandrea Roberti. I am Head of Monetary Reporting at Tryg. We revealed our Q3 figures earlier this morning, and I’ve right here with me, Johan Brammer, our Group CEO; Allan Thaysen, our Group CFO; and Mikael Karrsten, our Group CTO, to current the figures.
And with this phrases, over to you, Johan.
Johan Brammer
Group CEO & Member of Govt Board
Thanks loads, Gian, and good morning from me additionally this morning. I’ll, on the primary slide, as all the time, begin by commenting on the monetary highlights for the quarter. And as you’ll be able to see from the slide, we’re reporting a premiums progress of three.4%, which is, actually, 4% when adjusting for a one-off booked within the corresponding quarter final yr. The insurance coverage service outcome landed at DKK 2.181 billion, which corresponds to a progress of seven% when normalizing giant and climate occasions. The mixed ratio was 78.6%, a really robust efficiency in a seasonally favorable quarter, and I’m more than happy to see that each one enterprise segments and geographies reported a powerful profitability improvement.
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