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ANNUAL REPORT 2007 1 Million Customers 3,460 Employees 100 Offices 35% NOK 2.5 Bill ANNUAL REPORT 2007 1 million customers 3,460 employees 100 offices 35% NOK 2.5 bill. in profit of consumers think of Gjensidige first when they are asked to name an insurance company. Now a stock exchange listing is planned for Gjensidige – Norway’s largest and most customer-oriented general insurance company. EVentS IN 2007 • Gjensidige Bank started up in January, with a full launch from June. • Gjensidige was awarded the Agricultural Co-operatives’ equal opportunity award for their efforts to increase the share of women on boards and committees. • Equity certificates were approved as an equity instrument, and the General Meeting approved the stock exchange listing of the group. • The Gjensidige Fund and the Gjensidige Foundation were established. • Hjelp24 Glitne acquired Norsk Idrettsmedisinsk Institutt (NIMI). • Gjensidige purchased the Swedish general insurance company Tennant Insurance Group AB, which has business operations in both Sweden and Norway. • The watchman, which is the company’s trademark, together with the slogan “Time passes, Gjensidige endures” has been used for 75 years. The watchman is one of Norway’s strongest brand symbols. • The management structure of the group was changed. Regional representation and regional boards were discontinued. Regional owner committees will safeguard the interests of the customers going forward. gJENSIDIGE ANNUAL REPORT 2007 | 1 T This is Gjensidige IS HIS A GROWING FINANCIAL GROUP . 2 KEY FIGURES . 4 G FUTURE GROWTH AND DEVELOPMENT . 6 JENSIDI HISTORY OF GJENSIDIGE . 8 GJENSIDIGE FINANCIAL PORtaL . 9 G at E OPER IONS Operations GENERAL INSURANCE – PRIVatE . 12 GENERAL INSURANCE – COMMERCIAL . 16 GENERAL INSURANCE – OTHER NORDIC . 20 GENERAL INSURANCE – BALTICS . 22 PENSION AND SAVINGS . 24 GJENSIDIGE BANK . 26 HJELP24 HEALTH SERVICES . 28 ASSET MANagEMENT . 30 GJENSIDIGE’S PEOPLE . 32 CORPORatE SOCIAL RESPONSIBILITY . 34 M A Management N RISK AND CAPItaL MANagEMENT . 40 ag CORPORATE GOVERNANCE . 42 GJENSIDIGE’S BOARD OF DIRECTORS . 46 EMEN GJENSIDIGE’S GROUP MANAGEMENT . 48 SUPERVISORY BOARD, CONTROL COMMITEE AND NOMINatION COMMITTEE . 50 T GJENSIDIGE’S EQUITY CERTIFICates . 52 RESUL Results REPORT OF THE BOARD OF DIRECTORS . 56 CONSOLIDatED ACCOUNTS . 70 T S PARENT COMPANY ACCOUNTS . .142 2 | gJENSIDIGE ANNUAL REPORT 2007 A GROWING FINANCIAL GROUP Gjensidige is a solid, Norwegian-based financial group . The Group is the market leader for general insurance and insurances of the person in Norway with a market share of 31 0. per cent in 2007 (source: Norwegian Financial Services Association) . Gross premiums written in 2007 totalled NOK 15,726 5. million . In addition to the insurance operations in Norway, Gjensidige offers health COMPETITIVE ADVANTAGES services, pension and savings products and Internet banking to private Gjensidige excels in particular in five areas. individuals. Outside Norway Gjensidige offers general insurance and insur- ances of the person in Denmark, Sweden and the Baltic States. 1 Leading company for general insurance and insurances of the person in Norway The roots of the general insurance operations can be traced back to the Gjensidige is the market leader for private, agricultural and group life insur- 1820s, while the watchman has been the company’s trademark for 75 ance, and the second largest company within the commercial insurance years. Gjensidige is one of the most well-known brands in Norway, and the segment, with over 1 million customers at the end of 2007. company’s logo and the watchman have a high level of recognition. 2 Strong brand The planed listing of Gjensidige’s equity certificates on Oslo Børs will The Gjensidige brand and logo with the watchman is well-known, highly provide increased flexibility with regard to financing further growth. respected and evokes strong loyalty in the Norwegian insurance market. VISION 3 Complete business model Gjensidige attaches importance to maintaining and developing a complete We shall know the customer business model to ensure the necessary degree of closeness to the customers. This is a prerequisite for ongoing customer-orientation and best and care the most! increasing the efficiency of the entire company. STRATEGY 4 Management that focuses on value creation Gjensidige’s commercial goal is to be a leading and profitable insurance Gjensidige’s senior management has around 15 years of experience in the company in Norway. Profitable growth shall be generated in other busi- industry, and nine of 13 senior managers have been with the company ness areas to achieve an attractive return for the owners. since 2001. During this period the company has increasingly attached importance to value creation while preserving the traditional, owner- To achieve this the Group shall: controlled structure at the same time. The company’s equity has increased • strengthen the value and profitability of the insurance operations in more than four-fold since 2001. Norway. • grow in the general insurance area in the Nordic region and Baltic 5 Solid finances States. The Group’s financial strength is a solid platform for further growth in • seek profitable growth through offering the customers more products strategically important market segments. Standard & Poor’s, an independ- in the finance and insurance area. ent and recognised international credit rating agency, has given Gjensidige • ensure continued discipline with regard to cost control and efficient a credit rating of “A”. asset management. gJENSIDIGE ANNUAL REPORT 2007 | 3 T HIS IS IS HIS G JENSIDI G at E OPER IONS THE OPERATIONS ARE DIVIDED INTO SIX BUSINESS AREAS: p12 General insurance Norway This represents the Group’s core business. The operations cover both the private market, including the agricultural market, and the commercial market. p20 General insurance other Nordic The Group’s insurance operations in Denmark operate under the Fair Forsikring trade name in the private market and KommuneForsikring in the municipal and commercial markets. KommuneForsikring is a leading sup- plier of insurance products in the municipal market in Denmark. In Sweden the Group owns the Tennant Insurance Group, which offers insurance and related services in both the private and commercial markets. M A General insurance Baltics p22 N In Estonia, Latvia and Lithuania the Group offers insurance products under ag the trade name Gjensidige Baltic. (Parekss until 31 December 2007.) EMEN p24 Pension and savings The Group’s pension and savings operations started up in 2006. The products that are offered include, for example, mandatory occupational pensions, individual pension savings, and the management of paid-up T policies and fund savings. p26 Retail banking services In 2007 Gjensidige started its own bank – Gjensidige Bank – which offers Internet-based banking serv- ices to private customers in Norway. NORWAY RESUL p28 Health services Gjensidige offers health services in Norway under the trade name Hjelp24. The offerings T include corporate health services and personal SWEDEN S security alarms. After the acquisition of NIMI in November 2007, Hjelp24 possesses a hospital licence and can offer outpatient surgery. ESTONIA LATVIA DENMARK LITHUANIA 4 | gJENSIDIGE ANNUAL REPORT 2007 COMBINED RatIO DEVELOPMENT EQUITY AND SOLVENCY CAPItaL RETURN ON EQUITY BEFORE taX Per cent NOK million Equity Per cent 100 25000 Solvency capital 40 80 20000 30 60 15000 20 40 10000 10 20 5000 0 0 0 2007 2006 2007 2006 2007 2006 Combined ratio Solvency capital = Net subordinated capital including share Combined Ratio = Loss ratio of security provisions (based on the company accounts for Return on equity before tax = Profit before tax for the loss ratio + cost ratio Cost ratio Gjensidige Forsikring BA in accordance with NGAAP) period / average adjusted equity for the period. Financial key figures PROFIT AND LOSS 2007 2006 Gross premiums written NOK million 15,726.5 13,787.2 Earned premiums, net of reinsurance NOK million 14,875.9 13,193.2 Claims incurred, net of reinsurance NOK million 11,695.8 10,014.9 Operating expenses NOK million 2,684.3 2,561.6 Technical result general insurance, before amortisation of excess value1 NOK million 2,027.6 1,676.9 Net income and costs from financial assets NOK million 2,820.3 3,711.1 Profit for the year NOK million 2,479.0 4,091.9 Underwriting result general insurance2 NOK million 552.6 668.9 Combined ratio3 Per cent 96.1 94.8 Loss ratio, net of reinsurance4 Per cent 78.6 75.9 Cost ratio, net of reinsurance5 Per cent 17.5 18.9 Premiums, net of reinsurance6 Per cent 98.4 97.6 BaLANCE 2007 2006 Investments assets7 NOK million 46,803.0 41,966.0 Provisions for unearned premiums, gross NOK million 6,060.2 5,737.9 Claims provisions, gross NOK million 23,147.1 17,556.7 Equity NOK million 20,302.5 19,017.3 Total equity and liabilities NOK million 58,120.3 47,112.7 Solvency capital8 NOK million 13,423.5 14,760.3 Solvency margin9 Per cent 561.3 645.2 Capital adequacy10 Per cent 26.1 41.6 RETURN 2007 2006 Return on investment assets (ROI)11 Per cent 6.3 9.2 Return on equity, before tax (ROE)12 Per cent 15.4 24.2 DEFINITIONS: 7 Financial assets including property, excluding customer assets under management in 1 Earned premiums, net of reinsurance + allocated return on investment – claims incurred, Gjensidige Bank and Gjensidige Pensjon og Sparing net of reinsurance – premium discounts and other profit agreements - insurance- 8 Net subordinated capital including share of security provisions (based on the company related operating expenses. The allocated return on investment for the
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