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年第四季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
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報告稱，第四季度稅前利潤爲16.07億挪威克朗，儘管由於天氣相關索賠，虧損率有所增加。
由於2023年第三季度和第四季度的天氣事件，該公司公佈的2023年全年稅前利潤爲55.51億挪威克朗，合併比率爲87.6％。
截至年底，該公司的償付能力爲166％，股本回報率爲18.2％。
董事會提議2023年派發43.75億挪威克朗的股息，相當於每股8.75挪威克朗，較2022年增長6.1％。
爲了解決索賠頻率增加的問題，該公司計劃將其平均保費水平提高至少10％。
Business Progress:
業務進展：
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.
該公司專注於未來三年的盈利增長、運營效率的提高和強大的產品組合。
Gjensidige Forsikring正在整合其在挪威和丹麥的業務，以便在2026年之前實現協同效應。
該公司在通過採購和自動化提高私營商業領域和索賠領域的盈利能力方面取得了進展。
在瑞典，對銷售隊伍和數字技術的投資使第四季度保費增長了7％。
在數字化和自動化努力的支持下，數字分銷指數在2023年上漲了4％，挪威的客戶保留率仍然很高。
More detailed: GJENSIDIGE FORSIKRING ASA UNSP ADR EA REPR 1 ORD SHS IR
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