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Gjensidige Forsikring
Gjensidige Forsikring (GJF) investor relations material
Gjensidige Forsikring CMD 2026 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2026 summary26 Feb, 2026
Strategic priorities and market positioning
Four key priorities: customer empathy, resilience, profitable growth, and sustainability, with a focus on operational excellence and technology-driven efficiency.
Strong Nordic presence and integration across Norway, Denmark, and Sweden enable scale, stability, and deep customer insights.
Advanced technology, data analytics, and AI underpin competitive advantage, supporting digitalization, automation, and hyper-personalization.
Ambitious sustainability commitments include science-based targets, net zero investment portfolio by 2050, significant CO2 reductions by 2030, and sustainable claims handling.
Continued commitment to high customer loyalty, organizational strength, and attractive shareholder returns.
Financial targets and performance outlook
2026 targets: combined ratio below 82%, cost ratio around 13%, ROE above 24%, solvency ratio 140–190%, insurance service result >NOK 7.5bn, and >DKK 750m in Denmark.
2027–2028 targets: combined ratio below 81%, cost ratio around 12%, ROE above 28%, solvency ratio 140–190%, insurance service result >NOK 10bn.
Strong dividend policy with payout ratio of at least 80% of profit after tax, supported by capital-efficient growth and surplus capital from pension business.
Operational KPIs: customer satisfaction index above 78, retention above 90% in Norway and 86% in Denmark, digital distribution index growth of 5–10% annually.
Claims savings program achieved NOK 1.1bn since 2023, targeting an additional NOK 600m by 2028, with ongoing automation and AI investments.
Technology and operational excellence
Technology strategy centers on simplifying IT foundation, amplifying data advantage, and accelerating automation and AI.
Core system consolidation and modular modernization in Norway and Denmark support scalable, cost-efficient operations.
Group-wide data platform enables real-time, high-quality data access, supporting hyper-personalization and rapid innovation.
Over 200 AI/ML models in production enhance pricing, underwriting, claims, CRM, and fraud detection, with internal GenAI adoption up 70% in six months.
Automation has led to 67% automated claims processing and 86% digital claims reporting in Norway, with ambitions to double automation and data capture within 1–3 years.
How will claims excellence impact combined ratio?
How will technology drive cost ratio improvement?
How will Private & Commercial segments drive growth?
How will 5-10x data points improve pricing?
Differentiate beyond price in AI-driven market?
Internal conditions for 140% solvency ratio?
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Next Gjensidige Forsikring earnings date
Q1 202629 Apr, 2026
Gjensidige Forsikring
Next Gjensidige Forsikring earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Gjensidige Forsikring ASA provides general insurance and pension products in Norway, Sweden, Denmark, Latvia, Lithuania, and Estonia. It offers life insurance, health insurance, and accident insurance; as well as various tailored credit life insurance products. Gjensidige Forsikring ASA also provides savings plans and other savings plans, such as pension plans, pension annuities, and long-term care insurance. In addition, it focuses on insuring against pension commitment; other direct cost commitments; repair or replacement of living accommodation; economic disappearance; and business interruption due to accidental damage or property coverage. The company is based in Oslo, Norway.
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