Alm Brand A/S (ABDBY) Q3 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.132 -- 00:00:04.977 Hello, everyone. Thank you for joining the R1 Brand Q3 2025 call. 00:00:04.977 -- 00:00:07.880 My name is Sammy. I'll be coordinating your call today. 00:00:07.880 -- 00:00:11.404 During the presentation, you can register a question by pressing star followed by one 00:00:11.404 -- 00:00:14.988 on your telephone keypad. If you change your mind, please press star followed by two 00:00:14.988 -- 00:00:18.291 on your telephone keypad to remove yourself from the question queue. 00:00:18.291 -- 00:00:22.456 I'd now like to hand over to our host, Rasmus Nielsen, CEO to begin. 00:00:22.456 -- 00:00:24.838 Please go ahead, Rasmus. 00:00:24.838 -- 00:00:29.140 Thank you. Good morning, and thank you for joining us on our conference call. 00:00:29.140 -- 00:00:33.867 I'm Rasmus H. Nielsen. As usual, I have with me today our CFO, Andreas Ruben Madsen, 00:00:33.867 -- 00:00:37.111 and the head of our IR team, Mads Tinkoff. 00:00:37.111 -- 00:00:40.897 This morning, we published our interim report for the third quarter, and as usual, I 00:00:40.897 -- 00:00:44.382 will walk you through the operating highlights, and then Andreas will comment on the 00:00:44.382 -- 00:00:46.325 financials. 00:00:46.325 -- 00:00:50.991 Please turn to slide two. I'm quite pleased with the overall financial performance in 00:00:50.991 -- 00:00:56.117 Q3, which had strong organic growth and good cost control, at the same 00:00:56.117 -- 00:01:01.542 time as the underlying loss ratio was improving, helped by synergies and price adjustments. 00:01:01.542 -- 00:01:06.587 We reached an insurance revenue growth of 10% in personal lines, 00:01:06.587 -- 00:01:11.833 which implies we're taking quite a bit of market share with our strong bank partnerships 00:01:11.833 -- 00:01...