Q4 2022 Tryg A/S Earnings Call Transcript
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Good morning, everybody. My name is Gianandrea Roberti. I'm Head of Investor Relations of Tryg. We publish our full year result earlier on this morning, and I have here with me Morten Hubbe, Group CEO; Barbara Plucnar Jensen, our Group CFO; and Johan Kirstein Brammer, Group CCO. With these words, over to you, Morten.
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Thank you, Gian, and good morning to all of you. And we'll start on Slide 3 with the financial highlights for the quarter and with a strong set of numbers for Q4. We reported Q4 technical result of DKK 1,689 million, which is an increase of 105% versus the reported Q4 of '21, and an increase of 22% versus the pro forma figures. We also report an underlying claims ratio improvement of 80 basis points, clearly driven by the profitability initiatives of corporate and commercial. And a combined ratio of 82.1% for Q4, which is, I believe, very strong for what is
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