Protector Forsikring Ord (PSKRF) Q4 2025 Earnings Call

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Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:05.682 All right, welcome to the presentation of Protectors full year 25 00:00:05.682 -- 00:00:10.872 results. We will focus on the full year, a quarter is volatile, we say that all the time, 00:00:10.872 -- 00:00:15.922 focus on the full year result that is more interesting and says more about the underlying 00:00:15.922 -- 00:00:21.831 realities of the business. And before I go into the results, I 00:00:21.831 -- 00:00:25.536 always spend a little bit of time on who we are. 00:00:25.536 -- 00:00:31.283 And what we did this morning was to continue on looking at 00:00:31.283 -- 00:00:35.209 what the challenger should be in the future. 00:00:35.209 -- 00:00:37.832 And one thing that we 00:00:37.832 -- 00:00:42.859 care about is that we even when we are 700 people, even when 00:00:42.859 -- 00:00:48.288 we grow in a number of countries, that we still act as one 00:00:48.288 -- 00:00:49.871 team, 00:00:49.871 -- 00:00:54.879 which is a bit contradictory to a performance culture where we 00:00:54.879 -- 00:00:59.907 compete against each other and also that we want local decisions and also that we 00:00:59.907 -- 00:01:05.115 want each individual in the company to make decisions because they 00:01:05.115 -- 00:01:11.365 are where it happens and they should know what decisions to make so so that's 00:01:11.365 -- 00:01:15.051 what the challenger is it is about 00:01:15.051 -- 00:01:19.999 making everything we do focused and simplistic but when it comes to culture we need to 00:01:19.999 -- 00:01:24.726 complicate it in order to spend time and really understand so that we're on the same 00:01:24.726 -- 00:01:28.172 platform and the same grounds for the future 00:01:28.172 -- 00:01:33.500 because i think that's extremely important in order to sta...