Financial highlights and key ratios by geography

		IFRS				Danish GAAP

DKKm		2007	2006	2005	2004	2004	2003

	Danish general insurance
	Gross premiums earned	9,346	9,084	8,764	8,525	8,570	8,242
	Technical result	1,639	1,377	956	720	790	443
	Return on investment activities	225	723	567	378	450	393
	Other income	68	65	77	76	76	71
	Other expenses	-66	-63	-70	-72	-71	-68
	Profit/loss before tax	1,866	2,102	1,530	1,102	1,245	839

	Key ratios
	Gross claims ratio	69.3	66.8	77.1	73,0	71.6	70.4
	Business ceded as % of gross premiums	0	3.9	-3.90	3.5	3.5	6.1
	Claims ratio, net of ceded business	69.3	70.7	73.2	76.5	75.1	76.5
	Gross expense ratio	15.3	16.1	16.6	16.3	19,0	20.4
	Combined ratio	84.6	86.8	89.8	92.8	94.1	96.9

	Number of full-time employess, end of period	2,242	2,231	2,215	2,223	2,223	2,248


	Norwegian general insurance
	Gross premiums earned	6,919	6,738	6,810	6,653	6,614	7,161
	Technical result	1,335	1,214	1,131	1,032	722	41
	Return on investment activities	118	483	361	24	94	316
	Other income	52	53	49	45	45	44
	Other expenses	-59	-50	-47	-43	-44	-42
	Profit/loss before tax	1,446	1,700	1,494	1,058	817	359

	Key ratios
	Gross claims ratio	64,0	64.3	63,0	62.1	62.7	72.9
	Business ceded as % of gross premiums	4.9	3.6	5.2	6.2	6.9	7.8
	Claims ratio, net of ceded business	68.9	67.9	68.2	68.3	69.6	80.7
	Gross expense ratio	15.8	16.5	16.7	17.2	21.2	22.4
	Combined ratio	84.7	84.4	84.9	85.5	90.8	103.1

	Number of full-time employess, end of period	1,384	1,460	1,431	1,454	1,454	1,460


	Finnish general insurance
	Gross premiums earned	251	198	140	97	97	61
	Technical result	-49	-34	-41	-45	-45	-48
	Return on investment activities	-10	-4	-2	-2	-2	-1
	Profit/loss before tax	-59	-38	-43	-47	-47	-49

	Key ratios
	Gross claims ratio	74.9	78.1	80.9	75.3	68.5	77.5
	Business ceded as % of gross premiums	0.4	0.2	0.2	0.2	0.2	1,0
	Claims ratio, net of ceded business	75.3	78.3	81.1	75.5	68.7	78.5
	Gross expense ratio	49.8	41.7	50.2	73,0	79.8	102.8
	Combined ratio	125.1	120	131.3	148.5	148.5	181.3

	Number of full-time employess, end of period	127	77	48	51	51	42


	Swedish general insurance
	Gross premiums earned	90	4	-	-	-	-
	Technical result	-82	-41	-	-	-	-
	Return on investment activities	-1	0	-	-	-	-
	Profit/loss before tax	-83	-41	-	-	-	-


	Key ratios
	Gross claims ratio	88.9	144.9	-	-	-	-
	Business ceded as % of gross premiums	0,0	0.4	-	-	-	-
	Claims ratio, net of ceded business	88.9	145.3	-	-	-	-
	Gross expense ratio	105.6	1,003.8	-	-	-	-
	Combined ratio	194.5	1,149.1	-	-	-	-

	Number of full-time employess, end of period	61	40	0	0	-	-


	Other
	Gross premiums earned	0	-3	-9	-9	1,027	1,238
	Technical result	-23	-4	1	0	-11	-60
	Return on investment activities	8	26	-32	-29	-25	-23
	Other income	1	0	0	0	0	0
	Other expenses	-47	-36	-37	-32	-32	-21
	Profit/loss before tax	-61	-14	-68	-61	-68	-104

	Number of full-time employess, end of period	0	0	24	34	34	670


	TrygVesta
	Gross premiums earned	16,606	16,021	15,705	15,266	16,308	16,702
	Technical result	2,820	2,512	2,047	1,707	1,456	376
	Return on investment activities	340	1,228	894	371	517	685
	Other income	121	118	126	121	121	115
	Other expenses	-172	-149	-154	-147	-147	-131
	Profit/loss before tax	3,109	3,709	2,913	2,052	1,947	1,045

	Key ratios
	Gross claims ratio	67.3	65.9	71.1	68.3	67.6	71.5
	Business ceded as % of gross premiums	2.1	3.7	0.1	4.6	5,0	6.8
	Claims ratio, net of ceded business	69.4	69.6	71.2	72.9	72.6	78.3
	Gross expense ratio	16.7	16.8	17,0	17.1	21.2	22.4
	Combined ratio	86.1	86.4	88.2	90,0	93.8	100.7

	Number of full-time employess, end of period	3,814	3,808	3,718	3,762	3,762	4,420


	The comparative figures for Danish general insurance have been restated, and the activities of TrygVesta IT A/S and Tryg Ejendomme A/S are included under 'Other' together with the parent company TrygVesta A/S.