Highlights 2023: 
Protector Forsikring ASA recorded a profit of NOK 1509.3m (1 379.0) for 2023.
The insurance service result was NOK 1 079.9m (700.8), corresponding to a
combined ratio of 88.5% (89.4). The total return on investments including
insurance finance was 944.2m (1 084). The return on investments excluding
insurance finance was 7.9% (3.4).

In 2023, gross written premiums ended at NOK 10 423m, up 47% (37 % in local
currencies) relative to 2022. 


Highlights Q4 2023: 
Protector Forsikring ASA recorded a profit of NOK 675.8m (613.2) for the fourth
quarter. The insurance service result was NOK 361.1m (166.7), corresponding to a
combined ratio of 86.4% (90.6). The total return on investments including
insurance finance was 504.3m (546.1). The return on investments excluding
insurance finance was 5.1% (4.6). 

In Q4, gross written premiums amounted to NOK 2 060m, up 62% (48% in local
currencies) relative to Q4 2022. 



The Board has, in accordance with the mandate received from the Annual General
Meeting in 2023, decided to distribute a special dividend of NOK 412.2m,
corresponding to NOK 5.00 per share. The payment will take place on 14 February
2024. 

The SCR-ratio was 195% (195) year-end, post dividend. 

Further details are provided in the attached report and presentation, which
include definitions of financial key figures. 



Oslo, January 31st 2024
 
Protector Forsikring ASA 



This information is subject of the disclosure requirements acc. to §5-12 vphl
(Norwegian Securities Trading Act)