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Tryg A/S – Interim report Q1-Q3 2018

Tryg’s Supervisory Board has today approved the interim report for Q1-Q3 2018.

Premium growth of 4.7% in local currencies, technical result of DKK 761m (DKK 789m) impacted by a DKK 173m increase in large claims, investment income of DKK 79m (DKK 87m).

Profit before tax of DKK 825m (DKK 860m). Quarterly dividend of DKK 1.65 per share supporting TryghedsGruppen’s 8% member bonus. Solvency ratio of 291, or 207 when adjusted for the capital raised for the acquisition of Alka. As previously announced, Tryg expects a solvency ratio of approximately 170 when the Alka acquisition is finalised.

Financial highlights Q3 2018

• Premium growth of 4.7% (1.5%) in local currencies

• Technical result of DKK 761m (DKK 789m) driven by combined ratio of 83.8 (82.6)

• Underlying claims ratio (Private and Group) improved by 0.5 and 0.5

• Expense ratio of 13.9 (13.6)

• Investment return of DKK 79m (DKK 87m)

• Profit before tax of DKK 825m (DKK 860m)

• Q3 dividend of DKK 1.65 per share and solvency ratio of 291

Financial highlights Q1-Q3 2018

• Premium growth of 3.9% (1.6%) in local currencies

• Technical result of DKK 2,170m (DKK 2,167m) driven by a combined ratio of 84.1 (83.8)

• Underlying claims ratio (Private and Group) improved 0.4 and 0.4

• Q1-Q3 dividend of DKK 4.95 per share (DKK 1.65 paid in April, DKK 1.65 paid in July and DKK 1.65 to be paid on 16 October)

Customer highlights Q3 2018

• TNPS of 66 (59)

• Number of products per customer 3.7 (3.5)

• In Q3, the awareness of the bonus model for non-customers increased to 22%, an increase of 40% compared with the same period last year.

• For the third year running, TryghedsGruppen paid out a bonus of 8% to its members

Statement by Group CEO Morten Hübbe:

We deliver a strong technical result of DKK 761m despite a significantly higher level of large claims. Premium growth of 4.7% in local currencies for the Group driven primarily by the Private segment but with growth in all areas.

Our retention level improves in all business areas in Denmark and Norway reflecting our strong focus on customer loyalty. This was also evidenced with a TNPS score of 66 – up more than 10% compared to same quarter previous year.

We continue to intensify our focus on digitalisation and are pleased to see that more than 100,000 customers already have used our Track & Trace solutions for private claims in Denmark.

As announced at the Capital Markets Day last year, claims prevention is a strong focus area for Tryg. As the first insurance company in the Nordic, Tryg has developed several innovative products that includes preventive initiatives.

We focus on solutions within areas that are linked to great concerns for our customers. Amongst other things we have integrated a new alarm solution in our contents insurance, motor insurance based on the drivers’ behavior and in this quarter - a rat blocker in our house insurance.

Conference call

Tryg hosts a conference call today at 10:00 CET. CEO Morten Hübbe and CFO Christian Baltzer will present the results in brief followed by Q&As.

The conference call will be held in English. An on-demand version will be available shortly after the conference call has ended.

Conference call details:

Danish participants: +45 35 44 55 83

UK participants: +44 (0) 203 194 0544

US participants: +1 855 269 2604

All Q3 material can be downloaded on https://tryg.com/en/downloads-2018 shortly after the release.

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