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Vigtig information  Alm. Brand anvender cookies

Cookies er nødvendige for at få vores hjemmesider til at fungere. Vi anvender egne cookies og tredjepartscookies til statistik, markedsføring og integration af tjenester. Hvis du klikker videre på siden, accepterer du vores brug af cookies. Læs mere om vores cookies

Vision, objectives and strategy

Alm. Brand's vision: "We take care of our customers"

The vision – taking care – implies that we

  • take an interest in our customers’ needs and help them get the necessary understanding and decision-making basis for choosing financial services,
  • are attentive to our customers as part of our day-to-day routines so they know that we take an interest in them, 
  • help and take care of our customers in the best possible way when they find themselves in a new or unexpected situation.

Alm. Brand's strategy puts CUSTOMERS FIRST

The current Alm. Brand strategy applies for the period 2012 to 2016. It marks a transition from our previous strategy, directing focus to our customers while maintaining or improving efficiency gains achieved. We aim for the Alm. Brand Group to deliver a return on equity equal to the money market rate plus 10 percentage points from 2016.

The overall objectives are:

  • Higher profit
  • Higher efficiency
  • Higher digitalisation rate
  • Higher quality
  • Higher job satisfaction rate
  • Higher customer satisfaction rate

The specific objectives for each business area are outlined below.

Non-life Insurance 

  • Pre-tax return on equity: Money market rate plus 20 percentage points
  • Combined ratio: 92
  • Retention of market share

Banking

  • Surplus in 2016
  • Income/cost ratio of more than 1.1 by 2016
  • Interest margin: More than 1 percentage point higher than 2012 level by 2016
  • Reduction of winding-up portfolio: 10% annually 

Life and Pension

  • Pre-tax in return on equity: Money market rate plus 10 percentage points by 2016
  • Growth in regular premiums: Inflation rate plus 8%