Gjensidige Forsikring (OTCPK:GJNS.Y) Update / briefing March 26, 2026 09:00 AM ET Company ParticipantsJonas Sortland Fougner - Investor Relations OfficerMitra Hagen Negård - Head of Investor RelationsMitra Hagen NegårdGood afternoon, everyone, and welcome to Gjensidige's Q1 2026 pre-close call. My name is Mitra Negård, and I am Head of Investor Relations. With me, I have our IRO, Jonas Fougner. Please note that this call is being recorded, and the recording will be published on our investor relations websit ...

Tryg will conduct pre-close analyst calls and meetings starting on 26 March, ahead of the Q1 2026 results, which will be released on 15 April 2026. This newsletter aims to inform capital market participants of the key factors influencing the company's recent financial performance. Insurance revenue growth Tryg maintains a balanced distribution of insurance revenue across the Scandinavian countries, with approximately 50% of revenue generated in Denmark, 30% in Sweden, and 20% in Norway. In Q1 2025, Tryg rep ...

Group CFO Casper Troskie said the increase in value exceeded distributions, but methodology and assumption changes offset improved market performance and declining yields. He also disclosed a ZAR 2.8 billion reallocation within Old Mutual Africa Regions from covered business to banking and lending as part of a refined methodology, stressing that the change affected line items but did not impact total GEV .Management highlighted group equity value (GEV) per share rising to ZAR 19.80 , alongside dividend per ...

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Core Viewpoint - Chesnara is set to acquire Scottish Widows Europe from Lloyds Banking Group, which is expected to enhance the company's cash generation and maintain strong solvency ratios post-transaction [1][3][4]. Financial Metrics - The pro forma solvency coverage ratio for Chesnara is projected at 173%, exceeding the company's operational range [1]. - The acquisition is anticipated to add approximately EUR 250 million in lifetime cash generation, with around EUR 100 million expected in the first five years [3][5]. - The agreed consideration for the acquisition is EUR 110 million, representing about 64% of Scottish Widows Europe's eligible own funds [3]. Strategic Rationale - Chesnara views the acquisition as a continuation of its M&A momentum, following the HSBC Life U.K. acquisition completed in January [4]. - The company aims to leverage its experience and local management team to integrate Scottish Widows Europe into its existing operations [2][8]. Market Context - Chesnara identifies Luxembourg as an attractive market due to its stable regulatory environment and significant life insurance liabilities [7]. - The market is characterized as fragmented, with opportunities for consolidation, which Chesnara aims to capitalize on [8]. Cash Flow and Dividend Implications - The acquisition is expected to increase the group's cash flow profile by about 20% on average over the first five years [5]. - The long-term cash generation from this acquisition is expected to support the sustainability of dividends, with plans to increase dividends by 6% by full-year 2025 [14]. Regulatory and Operational Considerations - The acquisition is subject to regulatory approvals, with Chesnara already in discussions with the Luxembourg regulator [2]. - The transaction will be fully funded from available cash resources, including proceeds from a previous issuance [2].

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Group 1 - B. Riley Financial's business model is hybrid, combining broker-dealer and investment banking services, which influences its solvency, reliability, and leverage [1] - The company is actively involved in the market, which may present unique investment opportunities [1] Group 2 - The analysis focuses on undercovered stocks, particularly in Brazil and Latin America, while also occasionally addressing global large caps [1]

Exchange Operations & Solvency - MEXC processed a $250 million withdrawal for one whale [1] - MEXC froze 15+ accounts holding between $3 million and $40 million, citing "abnormal profit" [1] - Exchange reserves are at 112% USDC, indicating a position barely above the insolvency line [1] - The exchange is allegedly targeting profitable traders to maintain solvency [1] User Risk - Users with profits on MEXC are advised to withdraw funds to avoid "suspicious activity" treatment [1]

Hyperliquid Platform Performance & Stability - Hyperliquid experienced 100% uptime and zero bad debt during recent market volatility [1] - The platform executed its first cross-margin Auto-Deleveraging (ADL) in over two years of operation [1] - Billions of dollars worth of positions were liquidated on Hyperliquid within minutes [4][9] - Hyperliquid's design includes transparent on-chain verification of every order, trade, and liquidation [4] Liquidation Mechanisms & Risk Management - Hyperliquid's system liquidates positions that do not meet maintenance margin requirements to maintain solvency [3][4] - Liquidations are first attempted against the order book, followed by backstop liquidations via HLP (Hyperliquid Pool) [6] - Auto-Deleveraging (ADL) serves as the liquidation mechanism of last resort [7] - HLP (Hyperliquid Pool) functions as a backstop liquidator, designed to provide liquidity of last resort and maintain system solvency [5][10] HLP (Hyperliquid Pool) Analysis - HLP is structured with multi-component child vaults to manage risk effectively during liquidations [6][10] - HLP's child vaults were the largest addresses on the triggered side of ADL, absorbing significant losses [11] - Traders on the providing side of ADL against HLP's child vaults realized hundreds of millions of dollars in additional profit [11] Competitive Advantage & Philosophy - Hyperliquid does not charge liquidation fees, prioritizing system solvency over revenue extraction [10][12] - Hyperliquid emphasizes transparency and fairness in its financial system [4][13]

Gjensidige Forsikring Q3 2025 Pre-Close Call Summary Company Overview - **Company**: Gjensidige Forsikring (OTCPK:GJNS.Y) - **Event**: Third quarter 2025 pre-close call - **Date**: September 29, 2025 Key Points Industry Context - The call highlighted the seasonality in the insurance business, noting that summer quarters (Q2 and Q3) typically have lower claims ratios compared to winter quarters (Q1 and Q4) [3] - There were no significant natural peril events in Scandinavia during the quarter, with overall weather being warmer and drier than historical norms [3] Financial Updates - The company will release its Q3 results on October 24, 2025, with a silent period starting on October 1 [2] - A write-down of NOK 123 million related to the sale of the Baltics business (ABG) was noted in the Q3 2024 report, impacting the comparison for this quarter [3] - The termination of the Core Suite IT system for the pension business will impact profit before tax by approximately NOK 400 million in Q3 2025, but will not affect the group's eligible owned funds in the Solvency II calculation [4] - The expectation for large losses in 2025 is approximately NOK 500 million per quarter, which is an estimate and not a guiding figure [5] Capital and Solvency - The eligible funds at the end of Q2 included approximately NOK 510 million of the NOK 900 million Tier 2 bond issued in October of the previous year [6] - The net increase in owned funds from the new Tier 1 loan and buybacks is NOK 711 million, which will be included in the Q3 calculation of owned funds [6] Investment Portfolio - The company plans to estimate returns based on the same asset allocation as the previous quarter, applying returns on listed indices [7] Additional Notes - The call included reminders for participants to submit their estimates by October 10, 2025, and the consensus will be published on October 17, 2025 [2] - There was no Q&A session as no questions were raised during the call [8]