Gjensidige Forsikring ASA (GJNSY) Q4 2023 Earnings Call Transcript Summary
Gjensidige Forsikring ASA (GJNSY) Q4 2023 Earnings Call Transcript Summary
The following is a summary of the Gjensidige Forsikring ASA (GJNSY) Q4 2023 Earnings Call Transcript:
以下是Gjensidige Forsikring ASA（GJNSY）2023年第四季度财报电话会议记录摘要：
Financial Performance:
财务业绩：
Gjensidige Forsikring ASA reported a Q4 pre-tax profit of NOK1,607 million, despite an increased loss ratio amid weather-related claims.
For full year 2023, the company posted a pre-tax profit of NOK5,551 million, with a combined ratio of 87.6%, raised due to the weather events in Q3 and Q4 of 2023.
The company's solvency ratio, at the end of the year, was 166%, with a return on equity of 18.2%.
The Board proposed a dividend for 2023 of NOK4,375 million, equating to NOK8.75 per share, up by 6.1% from 2022.
With the aim to tackle increased claims frequency, the company plans on hiking its average premium levels by at least 10%.
Gjensidige Forsikring ASA报告称，第四季度税前利润为16.07亿挪威克朗，尽管由于天气相关索赔，亏损率有所增加。
由于2023年第三季度和第四季度的天气事件，该公司公布的2023年全年税前利润为55.51亿挪威克朗，合并比率为87.6％。
截至年底，该公司的偿付能力为166％，股本回报率为18.2％。
董事会提议2023年派发43.75亿挪威克朗的股息，相当于每股8.75挪威克朗，较2022年增长6.1％。
为了解决索赔频率增加的问题，该公司计划将其平均保费水平提高至少10％。
Business Progress:
业务进展：
The company focuses on profitable growth, improved operational efficiency, and a strong product portfolio for the next three years.
Gjensidige Forsikring is integrating its businesses in Norway and Denmark to realize synergies by 2026.
The company showed progress in raising profitability in private commercial segments and the claims area, through procurement and automation.
In Sweden, investments in the sales force and digital technology led to a 7% uplift in premium growth in Q4.
The Digital distribution index rose by 4% in 2023, and customer retention remained high in Norway, backed by digitalization and automation efforts.
该公司专注于未来三年的盈利增长、运营效率的提高和强大的产品组合。
Gjensidige Forsikring正在整合其在挪威和丹麦的业务，以便在2026年之前实现协同效应。
该公司在通过采购和自动化提高私营商业领域和索赔领域的盈利能力方面取得了进展。
在瑞典，对销售队伍和数字技术的投资使第四季度保费增长了7％。
在数字化和自动化努力的支持下，数字分销指数在2023年上涨了4％，挪威的客户保留率仍然很高。
More detailed: GJENSIDIGE FORSIKRING ASA UNSP ADR EA REPR 1 ORD SHS IR
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