On twenty eighth April 2026, Alm. Model will publish Q1 2026 outcomes and host a convention name for traders and analysts. The convention name and presentation shall be out there on Alm. Model Group’s investor web site.
Earlier stories and displays can be found on almbrand.dk.
Premiums are well-diversified between Non-public and Business LinesIn basic, Alm. Model Group has a well-diversified enterprise, with roughly 50% of premiums from every Non-public and Business strains. Non-public strains are considered a secure enterprise for premiums, whereas Business Line premiums could exhibit fluctuations from quarter to quarter, primarily as a consequence of premium changes affecting industrial prospects. Normally, it’s Alm. Model Teams ambition to make sure sustained worthwhile progress.
In the newest quarter, This fall 2025, insurance coverage income elevated by 4.6% in comparison with the earlier 12 months. The expansion was pushed by a 9.8% improve in Non-public Strains, whereas Business Strains skilled a small decline in premiums of 0.8%. The pattern in premium earnings needs to be seen towards the backdrop of the sustained deal with enhancing profitability, particularly amongst giant industrial prospects.
Anticipated claims levelsThe annual degree of main claims is anticipated to be round 6% of premium earnings. For Business strains, this degree is anticipated to be roughly 10% of premium earnings. Please be aware, that there aren’t any important seasonal patterns for main claims on a quarterly foundation.
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In distinction, weather-related claims are influenced by differences due to the season, with the next quarterly distribution (as a share of whole weather-related claims): 35% in Q1, 10% in Q2, 25% in Q3, and 30% in This fall. On an annual foundation, weather-related claims are anticipated to be 3-4% of premium earnings.
Moreover, as talked about in monetary stories, run-off beneficial properties are anticipated to be roughly 2% of premiums on a long-term foundation, however will fluctuate on a quarterly foundation.
Please additionally do not forget that Business knowledge referring to motor frequency and climate statistics will be discovered by means of the Danish commerce affiliation for insurance coverage corporations and pension funds (www.fogp.dk) and the Danish Meteorological Institute (www.dmi.dk).
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Properly-diversified, low-risk funding portfolioAlm. Model Group has a complete funding asset combine of roughly DKK 20 billion primarily consisting of Danish mortgage bonds. A big a part of the portfolio is hedged to steadiness anticipated return and worth adjustment on technical provisions. The remaining half is unfold over actual property, illiquid credit score, bonds and equities (free portfolio).
It’s the total funding technique to stay cautious with a danger urge for food calibrated in accordance with earnings from insurance coverage operations. Normally, the group has a well-diversified, low-risk funding portfolio.
As a basic guideline, mortgage bonds will be anticipated to observe the efficiency of Danish mortgage bonds with a two-year period (ticker instance: NYKRCMB2). For equities, the efficiency will be tracked utilizing the ACWI index hedged to EUR (ticker instance: M1CXUBLR). You will need to be aware that these indicators don’t observe Alm. Model Group’s portfolio on a 1:1 foundation however ought to moderately be considered as a rule of thumb.
It is usually vital to spotlight that the return on technical provisions is calculated utilizing the EIOPA low cost curve with a volatility adjustment (VA). The asset portfolio hedging of rate of interest danger is designed to align with market-driven fluctuations within the yield curve elements.
Different objects
The Annual Basic Assembly for 2026 shall be held on April ninth.Alm. Model Group consensus estimates shall be out there on almbrand.dk forward of the Q1 report.
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Contact
Please direct any questions relating to this announcement to:
Buyers and analysts:
Head of Investor Relations and ESG Mads Thinggaard Cellular no. +45 2025 5469
Senior Investor Relations OfficerNikolaj ThalbitzerMobile no. +45 2060 5784
Investor news_pre-silent e-newsletter forward of Q1 2026 outcomes
