Core Insights - Tryg reported a strong insurance service result of DKK 2,307 million for Q2 2025, an increase from DKK 2,020 million in Q2 2024, with a combined ratio improving to 77.2% from 78.8% [1] - The investment result decreased to DKK 110 million from DKK 538 million year-over-year, contributing to a pre-tax profit of DKK 2,035 million, down from DKK 2,129 million [1] - The company declared an ordinary dividend of DKK 2.05 per share, reflecting a more than 5% increase compared to DKK 1.95 in the previous year [1] - The solvency ratio improved to 199% at the end of Q2 2025, up from 195% in Q1 2025, indicating strong financial stability [1] Financial Highlights Q2 2025 - Insurance service result: DKK 2,307 million (Q2 2024: DKK 2,020 million) - Combined ratio: 77.2% (Q2 2024: 78.8%) - Investment result: DKK 110 million (Q2 2024: DKK 538 million) - Pre-tax profit: DKK 2,035 million (Q2 2024: DKK 2,129 million) - Ordinary dividend: DKK 2.05 per share (Q2 2024: DKK 1.95) [2][7] Financial Highlights H1 2025 - Insurance revenue growth: 4.0% in local currencies - Insurance service result for H1: DKK 3,846 million (H1 2024: DKK 3,300 million) - Combined ratio for H1: 80.7% (H1 2024: 82.7%) - Pre-tax profit for H1: DKK 3,526 million (H1 2024: DKK 3,136 million) [3][7] Customer Highlights Q2 2025 - Customer satisfaction score increased to 82, up from a baseline of 81 in 2024 [4] CEO Statement - The CEO emphasized the strengthening of the core business, improved customer satisfaction, and favorable developments in the motor portfolio, aligning with the company's 2027 strategy [5] Accounting Policy Update - A new accounting policy was introduced regarding the hedging strategy of inflation risk, leading to restated financial figures for Q2 2024, which primarily affected the allocation between insurance service and investment results [6]

Press release07 May 2025 - N° 10 First quarter 2025 results EUR 200 million net income in Q1 2025 Group net income of EUR 200 million in Q1 2025 driven by all business activities (EUR 195 million adjusted1) P&C combined ratio of 85.0%, despite LA wildfires and buffer buildingL&H insurance service result2 of EUR 118 millionInvestments regular income yield of 3.5% IFRS 17 Group Economic Value3 of EUR 9.0 billion as of 31 March 2025, up +6.8% at constant economics3,4 . The Economic Value per share stands at ...