Protector Forsikring ASA (PSKRF) Q2 2025 Earnings Conference Call Transcript

Protector Forsikring ASA (PSKRF) Q2 2025 Earnings Conference Call Transcript

Protector Forsikring ASA (OTCPK:PSKRF) Q2 2025 Earnings Conference Call July 11, 2025 4:00 AM ET

Company Participants

Amund Skoglund – Corporate Participant
Henrik Wold-Golfetto Hoye – Chief Executive Officer

Henrik Wold-Golfetto Hoye

Hello, and welcome to the Second Quarter 2025 Presentation of Results for Protector Forsikring. We have started the day, as always, with the employees in Protector, who are the ones who have delivered the results and we have obviously discussed our targets, profitable growth and data as currency. The status of where we are and how we understand those targets and results. But we have also talked about our culture and the important thing that we are focusing on is to understand our culture and the statements, our values and our targets in the context of that we have grown as a company.

So we are different. We are in different phases in different countries and in different areas of the business. But also that the world around us is changing. So we need to redefine and reunderstand what it means to be credible in the different roles around and invest time in really continuing developing that culture in the company. Because as I said, it is all of those 650 people who have created 84.9% combined ratio in the second quarter and a growth of 16% in local currencies. And together with the investment result that has become NOK 8.7 per share.

Other highlights in the quarter is the rating that we have released previously. So that is old news, but there are some effects of it. We previously said that we get access to enough risks and enough volume without an A rating, but the upgrade gives us access to some more business, and in particular, in some of the newer segments that we are looking into in the U.K. and potentially also

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