Q3 2023 ALM. Brand A/S Earnings Call Transcript

Mar 01, 2024

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Nov 09, 2023 / 10:00AM GMT
Operator

Hello, everyone, and welcome to the Alm. Brand Interim Report for the third quarter of 2023. My name is Seth, and I will be the operator for your call today. (Operator Instructions)

I will now hand the floor over to Rasmus Werner Nielsen to begin the call.

Rasmus Werner Nielsen - Alm. Brand A/S-Group CEO - EVP of Staff Functions & Member of the Management Board

Good morning, and thank you for joining. I'm Rasmus. And as usual, I have with me today our CFO, Andreas Madsen and our IR team with Mads Thinggaard and Mikael Bo Larsen. This morning we published our interim report for the third quarter and as usual, I will walk you through the operating highlights, and then Andreas will comment on the financials.

Let us move to Slide 2. Overall, the claims were at a satisfactory level, but surely, we also had somewhat high weather-related claims due to an unusual wet quarter with heavy rainfalls and cloud bursts. On the positive side, large claims as well as minor claims in commercial lines improved as we

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