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NORWEIGAN SEMINAR IN SWEDEN
4th September 2015
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Our vision is to offer insurance solutions that provide customers with security and stability in their daily lives and business operations with such excellence that we are the preferred insurance provider in the Nordic and Baltic markets.
• – Expressed as ”Relax, we’ll help you.”
OUR VISION
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SWEDEN
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QUICK FACTS - SWEDEN
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SWEDEN – STRONG GROWTH, BUT NEW ECONOMIC POLICY CHALLENGES Source: Nordic Outlook Economic Research May 2015 by SEB
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SWEDISH EXPORT 2014 BY COUNTRY Total export 1 025 SEK bn
Norway 11%
Germany 10%
Great Britain 7%
Finland 7%
Denmark 7%
US 7% Netherlands
5%
Belgium 4%
France 4%
China 4%
Other 34%
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ARE WE ”DOPED”?? Reported growth in sales vs organic growth – Q2 2015 in %
Source: DI 31.8..2015
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IF SWEDEN
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BREAK-DOWN OF GROSS WRITTEN PREMIUMS
57%
28%
3%
Private Commercial Industrial Baltic
Total gross written premium 2014: EUR 4,6bn
By Business Area
By Country
9
33%
38%
18%
3% 8%
Norway Sweden Finland Baltic Denmark
12%
If Industrial 14% of If Sweden
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GWP GROWTH PER COUNTRY
GWP growth excl currency effects 6M-2015 compared to 6M-2014
10
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COMBINED RATIO BY COUNTRY
87,0% 82,8%
Q2-2015 Q2-2014
NORWAY SWEDEN
1 1
84,6% 94,1%
Q2-2015 Q2-2014
129,0%
83,8%
Q2-2015 Q2-2014
FINLAND
82,5% 83,6%
Q2-2015 Q2-2014
DENMARK
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INDUSTRIAL SWEDEN
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We insure large Nordic companies and companies
which are considered to have a significant share of
their operations in the Nordic Region,
• with more than 500 MSEK in turnover, and more
than 500 employees, or
• with more than 1 000 MSEK in turnover regardless
of the number of employees
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BUSINESS AREA INDUSTRIAL
GWP (%) BY COUNTRY, TOTAL 570 MEUR
14
Gross written premiums
• EUR 570 million (2014)
Employees
• 335
Clients
• 1,300
Estimated market position in industrial segment
• Denmark 20 %
• Finland 30 %
• Norway 35 %
• Sweden 30 %
A STRONG STRATEGIC PARTNER
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Industrial organization
Niclas Ward
Head of BA Industrial
Chief Actuary
Reidun Nymark
Head of Controlling
Marianne Sjöquist
Reinsurance
Anna-Kitty Ekstam
Country Mgr Sweden, SCS Helene Lundborg- Steinsaphir
Country Mgr Norway, SCS
Anne Negård
Marketing &
International
Reija
Laatikainen
Underwriting
Poul Steffensen
Risk
Management
Laura Rastas-
Jansson
Claims
Klaus Vogel
Country Mgr
Finland, SCS
Roland Möller
Country Mgr
Denmark, SCS
Anne Ramsby
If Care Sweden
Frida Lagergren
Executive Assistant
Helle Gulbrandsen
IT
Joakim Eldin
HR
Ylva Skagerlund
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BUSINESS AREA INDUSTRIAL SWEDEN
GWP split by LoB
16
Gross written premiums
• MSEK 2 250
Clients
• 500
Employees
• 135
• 30 Underwriters
• 12 Riskengineers
• 8 Account Executives
A STRONG STRATEGIC PARTNER
47%
23%
15%
11%
4%
Property
Casualty
Marine
If Care
Motor
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OUR CLIENTS -> LARGE CAP ON NASDAQ STHLM
17
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COMPETITORS
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SWEDEN - MARKET / COMPETITIVE SITUATION – SUBJECTIVE!
Competitive power in Industrial segment
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PREMIUM DEVELOPMENT
21
64,1
66,7
69,9
65,4
68,5
72,4
1,5%
4,0%
4,8% 4,9%
5,6%
0,5%
2,6%
5,6% 5,6%
4,5%
0,00%
1,00%
2,00%
3,00%
4,00%
5,00%
6,00%
7,00%
8,00%
9,00%
10,00%
60,0
62,0
64,0
66,0
68,0
70,0
72,0
74,0
2012 2013 2014 R12 6M2013
R12 6M2014
R12 6M2015
Official market asreported MSEK
Market change (%)
If change (%)
Source: Official statistics published by Svensk Försäkring
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TOTAL MARKET (SEK 72,4bn)
2 2
10,0%
1,4%
1,5%
1,5%
2,4%
3,0%
15,5%
16,5%
18,1%
29,9%
0,0% 5,0% 10,0% 15,0% 20,0% 25,0% 30,0% 35,0%
Other
Landstingen
Gjensidige
Zurich
Captivebolagen
Moderna
Trygg-Hansa
Folksam
If
LF
Market share By line of business
4,1%
4,4%
11,7%
12,0%
21,1%
21,2%
25,5%
Other
Pet
Motor TPL
Personal Accident
Property & Liability
Homeowners insurance & Houseinsurance
Motor Other
0% 5% 10% 15% 20% 25% 30%
Source: Official statistics published by Svensk Försäkring
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MARKET SHARE DEVELOPMENT – TOP 4 ACCOUNT FOR 80,0%
23
18,7
%
28,7
%
16,4
%
15,1
%
21,1
%
18,7
%
28,9
%
15,8
%
15,4
%
21,2
%
18,5
%
29,5
%
16,2
%
15,4
%
20,4
%
18,2
%
29,8
%
16,0
%
16,2
%
19,8
%
18,4
%
30,3
%
15,7
%
16,4
%
19,2
%
18,3
%
30,0
%
15,6
%
16,2
%
19,9
%
18,1%
29,9%
15,5%16,5%
19,9%
If LF Trygg-Hansa Folksam Other
2010 2011 2012 2013 2014 Q2 2014 Q2 2015
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MARKET SHARE PROPERTY & LIABILITY (SEK 15,3bn)
2 4
5,4%
3,5%
3,4%
3,8%
6,0%
6,7%
10,5%
11,3%
12,7%
36,7%
0,0% 5,0% 10,0% 15,0% 20,0% 25,0% 30,0% 35,0% 40,0%
Other
Moderna
Dina-gruppen
Folksam
Zurich
Landstingen
Captivebolagen
Trygg-Hansa
If
LF
Market share
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COMPETITORS UPDATE
Zürich • Manager: David Haak
• Will most probably acquire RSA!
AIG • Manager: Rasmus Nygård
• Due to bad result in Crime Insurance +25% premium increases.
XL Catlin • Manager: Peter Wullimann
• XL acquired Catlin
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COMPETITORS UPDATE
RSA Trygg-Hansa • Manager: Patrik Bergnander
• Out for sale – Zürich is bidding
FM Global • Manager: Tomas Fehrling
Tryg Moderna • New manager: Linnéa Ecorcheville
?
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COMPETITORS UPDATE
Allianz (AGCS) • Stig Jensen has left • New organization – Nordics (London) & East
(Germany)
ACE • Acquired Chubb
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CAPTIVES
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TOP TEN DIRECT CAPTIVES IN SWEDEN 44 active Captives in Sweden
Total premium income (2013) Msek 2.278 -> dropped from Msek 2.553 (2010)
Total Technical Result (2013) Msek 241
Source: RF 15/16.14
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BROKERMARKET
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BROKER MARKET DOMINATED BY FEW Net income 2009 – 2013 (Msek)
Source: RF 11.14
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PO SÖDERBERG & PARTNERS AB CEO – Gustaf Rentzhog
• No 1 in Sweden (total market)
Source: allabolag.se/foretagsinfo
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WILLIS AB CEO – Johan Forsgård
• Merged with Max Matthiessen and is now No 2 in Sweden (total market) • Moved to new office
Source: allabolag.se/foretagsinfo
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MARSH AB CEO – Henrik Gunolf (starts 1st October)
• New CEO Henrik Gunolf former manager of Commercial lines within Trygg-Hansa starts 1st October 2015.
• No 3 in Sweden (total market)
Source: allabolag.se/foretagsinfo
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AON SWEDEN AB CEO – Jacob Schlawitz (also Nordic)
• No 4 in Sweden (total market)
Source: allabolag.se/foretagsinfo
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JLT Risk Solutions AB CEO – Peder Schauman
• No 6 (total market) in Sweden • Former CEO Henrik Rydén appointed CEO for JLT Northern Europe
Source: allabolag.se/foretagsinfo
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LARGE LOSSES SO FAR THIS YEAR
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FERRUFORM AB (SCANIA) 2ND FEBRUARY Fire in surface treatement plant/production of frames for vehicles
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OCTOWOOD AB (BORGEN TIMBER GROUP) 24TH MAY Fire in production of fence posts/impregnated by creosote and other chemicals
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KORTEDALABRANDEN, GÖTEBORG Fire in real estate, 200 people was evacuated. Started in kitchen.
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VARFÖR IF INDUSTRI?
Hög Kapacitet & höga egna mandat
30 Underwriters i Sverige
Egen stor skadeorganisation (”Nordic Touch”)
Egen stor jurist avd
Full compliance
Hög kompetens
8 Account Executives i Sverige
International Claim Team