Q4 2019 Tryg A/S Earnings Call Transcript
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Good morning, everybody. This is Gianandrea Roberti, I'm Head of Investor Relations at Tryg. We published our results -- Q4 results early around this morning. And I have here with me Morten Hübbe, group CEO; and Barbara Plucnar Jensen, group CFO, to present the figures.
Over to you, Morten.
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Thank you, Gian, and good morning from my side as well. We report this morning Tryg's Q4 numbers with a technical result of DKK 762 million, up 16% versus Q4 last year, excluding Alka. This is driven by a profitable growth in the Private segment, the inclusion of Alka and related synergies, and at the same time, a continuous improvement in the underlying claims ratio. Bear in mind that comparison year-on-year will be easier from Q1 and onwards, where Alka's been 100% included in both sets of numbers.
We see at the same time a good development in equity markets has
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