Financial highlights and key ratios by geography


DKKm		2004	2005	2006	2007	2008

	Danish general insurance
	Gross premiums earned	8,525	8,764	9,084	9,346	9,620
	Technical result	720	956	1,377	1,639	1,695
	Return on investment activities	378	567	723	225	-435
	Other income and expenses	4	7	2	2	4
	Profit/loss before tax	1,102	1,530	2,102	1,866	1,264
	Fixed assets	903	1,011	1,135	1,171	1,616
	Key ratios
	Gross claims ratio	73.0	77.1	66.8	69.3	64.9
	Business ceded as % of gross premiums	3.5	-3.9	3.9	0.0	4.2
	Claims ratio, net of ceded business	76.5	73.2	70.7	69.3	69.1
	Gross expense ratio	16.3	16.6	16.1	15.3	16,0
	Combined ratio	92.8	89.8	86.8	84.6	85.1
	Number of full-time employess, end of period	2,223	2,215	2,231	2,242	2,377


	Norwegian general insurance
	Gross premiums earned	6,653	6,810	6,738	6,919	7,129
	Technical result	1,032	1,131	1,214	1,335	815
	Return on investment activities	24	361	483	118	-597
	Other income and expenses	2	2	3	-7	3
	Profit/loss before tax	1,058	1,494	1,700	1,446	221
	Fixed assets	682	721	737	799	659
	Key ratios
	Gross claims ratio	62.1	63.0	64.3	64.0	71.0
	Business ceded as % of gross premiums	6.2	5.2	3.6	4.9	3.8
	Claims ratio, net of ceded business	68.3	68.2	67.9	68.9	74.8
	Gross expense ratio	17.2	16.7	16.5	15.8	16.8
	Combined ratio	85.5	84.9	84.4	84.7	91.6
	Number of full-time employess, end of period	1,454	1,431	1,460	1,384	1,455


	Finnish general insurance
	Gross premiums earned	97	140	198	251	354
	Technical result	-45	-41	-34	-49	-44
	Return on investment activities	-2	-2	-4	-10	-4
	Profit/loss before tax	-47	-43	-38	-59	-48
	Fixed assets	0	0	0	0	5
	Key ratios
	Gross claims ratio	75.3	80.9	78.1	74.9	72.9
	Business ceded as % of gross premiums	0.2	0.2	0.2	0.4	0.3
	Claims ratio, net of ceded business	75.5	81.1	78.3	75.3	73.2
	Gross expense ratio	73.0	50.2	41.7	49.8	44.1
	Combined ratio	148.5	131.3	120,0	125.1	117.3
	Number of full-time employess, end of period	51	48	77	127	154


	Swedish general insurance
	Gross premiums earned	-	-	4	90	225
	Technical result	-	-	-41	-82	-93
	Return on investment activities	-	-	0	-1	-2
	Profit/loss before tax	-	-	-41	-83	-95
	Fixed assets	-	-	2	3	2
	Key ratios
	Gross claims ratio	-	-	144.9	88.9	95.1
	Business ceded as % of gross premiums	-	-	0.4	0,0	0.9
	Claims ratio, net of ceded business	-	-	145.3	88.9	96
	Gross expense ratio	-	-	1,003.8	105.6	48.4
	Combined ratio	-	-	1,149.1	194.5	144.4
	Number of full-time employess, end of period	-	0	40	61	105


	Other*
	Gross premiums earned	-9	-9	-3	0	-5
	Technical result	0	1	-4	-23	11
	Return on investment activities	-29	-32	26	8	50
	Other income and expenses	-32	-37	-36	-46	-56
	Profit/loss before tax	-61	-68	-14	-61	5
	Fixed assets	588	432	677	676	1,775
	Number of full-time employess, end of period	34	24	0	0	0


	TrygVesta
	Gross premiums earned	15,266	15,705	16,021	16,606	17,323
	Technical result	1,707	2,047	2,512	2,820	2,384
	Return on investment activities	371	894	1,228	340	-988
	Other income and expenses	-26	-28	-31	-51	-49
	Profit/loss before tax	2,052	2,913	3,709	3,109	1,347
	Fixed assets	2,173	2,164	2,551	2,649	4,057
	Key ratios
	Gross claims ratio	68.3	71.1	65.9	67.3	67.9
	Business ceded as % of gross premiums	4.6	0.1	3.7	2.1	3.9
	Claims ratio, net of ceded business	72.9	71.2	69.6	69.4	71.8
	Gross expense ratio	17.1	17.0	16.8	16.7	17.3
	Combined ratio	90.0	88.2	86.4	86.1	89.1
	Number of full-time employess, end of period	3,762	3,718	3,808	3,814	4,091


	* Amounts relating to TrygVesta A/S, Tryg Ejendomme A/S, Ejendomsselskabet af 8. maj and eliminations are included in 'Other'.