2015-08-24 19:25:32 CEST
2015-08-24 19:26:34 CEST
REGULATED INFORMATION
Tryggingamiðstöðin hf. - Ársreikningur
Hagnaður TM á öðrum ársfjórðungi 2015 nam 481 milljón króna.
<span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Á stjórnarfundi 24. ágúst 2015 samþykkti stjórn og
forstjóri TM uppgjör félagsins vegna fyrri árshelmings 2015.
Árshlutareikningurinn hefur verið kannaður en ekki endurskoðaður af
endurskoðendum félagsins.</span></span><span style="font-size:8pt;">Sigurður Viðarsson, forstjóri TM:</span><span style="font-size:8pt;font-family:Arial, Helvetica, sans-serif;">„Rekstur
TM á öðrum ársfjórðungi gekk vel. Hagnaður tímabilsins var 53% meiri en á öðrum
fjórðungi á síðasta ári. Ójafnvægis gætir þó enn á milli starfsþátta
vátrygginga og fjárfestinga. Fjárfestingatekjur á tímabilinu tvöfaldast milli
ára á meðan vátryggingastarfssemin var heldur lakari þar sem samsett hlutfall
hækkar úr 95% í 98%.“</span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Helstu tölur vegna annars
árfsfjórðungs og fyrri árshelmings 2015 voru eftirfarandi:</span></span>
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
---------------------------------------------------------------------- <span style="font-size:8pt;">2F 2015</span><span style="font-size:8pt;">2F 2014</span><span <span
style="font-size:8pt;">1H <span style="font-size:8pt;">1H <span
style=
2015</span> 2014</span> style= "font- "font-
size:8
size:8
pt;">B
pt;">B
reytin
reytin
g</spa
g</spa
n>
n><span <span style="font-size:8pt;"> 3.114 </span><span
style="font-size:8pt;"> 2.923 </span><span <span
style="font-size:8pt;">6.052</span><span style="font-size:8pt;">5.571</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">7
pt;">9
Eigin
%</spa
%</spa
iðgjö
n>
n>
ld</sp
an><span <span style="font-size:8pt;"> 616 </span><span
style="font-size:8pt;"> 331 </span><span <span
style="font-size:8pt;">1.489</span><span style="font-size:8pt;">1.053</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">8
pt;">4
Fjárfe
6%</sp
1%</sp
stinga
an>
an>
tekjur </span ><span <span style="font-size:8pt;"> 9 </span><span style="font-size:8pt;"> 9 </span><span <span
style="font-size:8pt;">20</span><span style="font-size:8pt;">57</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">0
pt;">-
Aðrar
%</spa
65%</s
tekju
n>
pan>
r</spa
n><span <span style="font-size:8pt;"> 3.739 </span><span
style="font-size:8pt;"> 3.263 </span><span <span
style="font-size:8pt;">7.560</span><span style="font-size:8pt;">6.682</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">1
pt;">1
Heilda
5%</sp
3%</sp
rtekju
an>
an>
r</spa
n>
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
---------------------------------------------------------------------- <span <span style="font-size:8pt;">-2.338</span><span style="font-size:8pt;">-2.109</span><span <span
style="font-size:8pt;">-5.324</span><span
style="font-size:8pt;">-4.037</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">1
pt;">3
Eigin
1%</sp
2%</sp
tjón<
an>
an>
/span><span <span style="font-size:8pt;">-802</span><span style="font-size:8pt;">-761</span><span <span
style="font-size:8pt;">-1.605</span><span
style="font-size:8pt;">-1.539</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;"> pt;">5
pt;">4
Rekstr
%</spa
%</spa
arkost
n>
n>
naður<
/span><span <span style="font-size:8pt;">-59</span><span style="font-size:8pt;">-16</span><span <span
style="font-size:8pt;">-72</span><span style="font-size:8pt;">-31</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">2
pt;">1
Fjárma 69%</s
32%</s
gnsgjö
pan>
pan>
ld</sp
an><span <span style="font-size:8pt;"> 9 </span><span style="font-size:8pt;">-3</span><span <span
style="font-size:8pt;">13</span><span style="font-size:8pt;">27</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">-
pt;">-
Virðis
400%</
52%</s
rýrnun span>
pan>
útlán
a</spa
n><span <span style="font-size:8pt;">-3.189</span><span style="font-size:8pt;">-2.889</span><span <span
style="font-size:8pt;">-6.989</span><span
style="font-size:8pt;">-5.580</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">1
pt;">2
Heilda
0%</sp
5%</sp
rgjöld
an>
an></span >
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
---------------------------------------------------------------------- <span <span style="font-size:8pt;">550</span><span style="font-size:8pt;">374</span><span <span
style="font-size:8pt;">572</span><span style="font-size:8pt;">1.102</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">4
pt;">-
Hagnað
7%</sp
48%</s
ur
an>
pan>
fyrir
tekju
skatt<
/span><span <span style="font-size:8pt;">-68</span><span style="font-size:8pt;">-60</span><span <span
style="font-size:8pt;">-18</span><span style="font-size:8pt;">-87</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">1
pt;">-
Tekjus
3%</sp
79%</s
kattur
an>
pan></span ><span <span style="font-size:8pt;">481</span><span style="font-size:8pt;">314</span><span <span
style="font-size:8pt;">554</span><span style="font-size:8pt;">1.015</span><span
style
style=
style=
="font "font- "font-
-size:
size:8
size:8
8pt;">
pt;">5
pt;">-
Hagnað
3%</sp
45%</s
ur</sp
an>
pan>
an>
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
---------------------------------------------------------------------- <span style="font-family:Arial, Helvetica, sans-serif;font-size:8pt;">Fjárhæðir
eru í milljónum króna</span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Tvö stærri tjónamál höfðu neikvæð
áhrif á annars góðan fjórðung</span></span><span style="font-family:Arial,
Helvetica, sans-serif;font-size:8pt;">Fjárhæðir eru í milljónum króna.</span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Fjórðungurinn var í ágætu samræmi við áætlanir ef frá
eru talin tvö stærri mál í sjótryggingum. Eftir gríðarlega hækkun á
tjónakostnaði á fyrsta fjórðungi þar sem tjónakostnaður hækkaði um 55% á milli
ára, var hækkun tjónakostnaðar milli ára á öðrum fjórðungi 11%. Á sama tíma
hækkuðu iðgjöld um 7%. Langtímamarkmið félagsins um 95% samsett hlutfall í lok
hvers árs standa óbreytt en 98% samsett hlutfall á fjórðungnum er ásættanlegt í
ljósi þeirrar neikvæðu þróunar sem var á á fyrsta ársfjórðungi þegar samsett
hlutfall var 126%.</span></span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Afkoma af fjárfestingum yfir
áætlun.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Afkoma fjárfestinga var góð á fjórðungnum og yfir áætlun
þrátt fyrir talsverð neikvæð gjaldeyrisáhrif. Góða afkomu fjórðungsins má meðal
annars rekja til hækkana á innlendum hlutabréfamarkaði auk jákvæðrar afkomu
fasteignatengdra fjárfestinga. Talsverðar hreyfingar voru á eignasafninu á
fjórðungnum vegna arðgreiðslu og útgáfu víkjandi skuldabréfs.</span></span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Lykiltölur vegna annars ársfjórðungs
og fyrri árshelmings 2015 voru eftirfarandi:</span></span><span <span <span <span <span <span
style="fo style="fo style="fo style="fo style="fo style="fon
nt-size:8 nt-size:8 nt-size:8 nt-size:8 nt-size:8 t-size:8pt
pt;">2F pt;">2F pt;">Brey pt;">1H pt;">1H ;">Breytin
2015</spa 2014</spa ting</spa 2015</spa 2014</spa g</span>
n> n> n> n> n>
--------------------------------------------------------------------------------<span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo
size:8pt;">Ha nt-size:8 nt-size:8 nt-size:8 nt-size:8
gnaður á hlut pt;">0,65 pt;">0,42 pt;">0,75 pt;">1,34
(kr.)</span></span></span></span></span><span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo
size:8pt;">Ar nt-size:8 nt-size:8 nt-size:8 nt-size:8
ðsemi eigin pt;">20%< pt;">10%< pt;">9%</ pt;">16%<
fjár (m.v. /span> /span> span> /span>
12m)</span><span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo
size:8pt;">Ei nt-size:8 nt-size:8 nt-size:8 nt-size:8
ginfjárhlutfa pt;">31%<pt;">41%< pt;">31%< pt;">41%<
ll</span> /span> /span> /span> /span><span <span <span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo style="fo style="fon
size:8pt;">Ha nt-size:8 nt-size:8 nt-size:8 nt-size:8 nt-size:8 t-size:8pt
ndbært fé frá pt;">506< pt;">268< pt;">89%< pt;">1.27 pt;">1.24 ;">3%</spa
rekstri</spa /span> /span> /span> 2</span> 1</span> n>
n>
--------------------------------------------------------------------------------<span
style="font-
size:8pt;">Vá
tryggingastar
fssemi</span><span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo
size:8pt;">Tj nt-size:8 nt-size:8 nt-size:8 nt-size:8
ónshlutfall</ pt;">75%< pt;">72%< pt;">88%< pt;">73%<
span> /span> /span> /span> /span><span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo
size:8pt;">Ko nt-size:8 nt-size:8 nt-size:8 nt-size:8
stnaðarhlutfa pt;">23%< pt;">23%< pt;">24%< pt;">24%<
ll</span> /span> /span> /span> /span><span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo
size:8pt;">Sa nt-size:8 nt-size:8 nt-size:8 nt-size:8
msett pt;">98%< pt;">95%< pt;">112% pt;">97%<
hlutfall</sp /span> /span></span> /span>
an><span <span <span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo style="fo style="fon
size:8pt;">Ha nt-size:8 nt-size:8 nt-size:8 nt-size:8 nt-size:8 t-size:8pt
gnaður/tap</s pt;">259< pt;">272< pt;">-5%< pt;">-283 pt;">344< ;">-182%</
pan> /span> /span> /span></span> /span> span><span <span <span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo style="fo style="fon
size:8pt;">Fr nt-size:8 nt-size:8 nt-size:8 nt-size:8 nt-size:8 t-size:8pt
amlegð</span> pt;">60</ pt;">147< pt;">-59% pt;">-696 pt;">186< ;">-474%</
span> /span></span></span> /span> span>
--------------------------------------------------------------------------------<span
style="font-
size:8pt;">Fj
árfestingar</
span><span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo
size:8pt;">Áv nt-size:8 nt-size:8 nt-size:8 nt-size:8
öxtun pt;">2,3% pt;">1,1% pt;">5,6% pt;">4,1%
fjáreigna</s </span></span></span></span>
pan><span <span <span <span <span <span <span
style="font- style="fo style="fo style="fo style="fo style="fo style="fon
size:8pt;">Ha nt-size:8 nt-size:8 nt-size:8 nt-size:8 nt-size:8 t-size:8pt
gnaður/tap</s pt;">291< pt;">102< pt;">185% pt;">855< pt;">758< ;">13%</sp
pan> /span> /span></span> /span> /span> an>
--------------------------------------------------------------------------------<span style="font-size:8pt;font-family:Arial, Helvetica, sans-serif;">Fjárhæðir
eru í milljónum króna</span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Uppfærð áætlun vegna ársins 2015
gerir ráð fyrir 2,1 milljarða hagnaði</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Rekstraráætlun fyrir árið 2015 var endurskoðuð við lok
annars ársfjórðungs þar sem ljóst þótti að áætlun um 95% samsett hlutfall í
vátryggingarstarfsemi myndi ekki ganga eftir. Samhliða því var áætlun fyrir
fjárfestingar uppfærð enda hefur sá starfsþáttur gengið mun betur en upphafleg
áætlun gerði ráð fyrir. Uppfærð áætlun gerir ráð fyrir að hagnaður ársins fyrir
tekjuskatt lækki um rúm 5% og verði tæplega 2,1 milljarður í stað rúmlega 2,2
milljarða kr. Tekjur aukast um 7% en gjöld um rúm 9%. Áætlun gerir ráð fyrir að
samsett hlutfall hækki úr 95% í 104% og munar þar mestu um einstaklega
tjónaþungan fyrsta ársfjórðung. Hækkun á öðrum rekstrarkostnaði skýrist af
hækkun umboðslauna vegna mikillar aukningar í sölu á líf- og heilsutryggingum
og hækkunar á vaxtagjöldum.</span></span>
--------------------------------------------------------------------------------<span <span <span
style="font-family: style="font-family style="font-family
Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8p style="font-size:8 style="font-size:8
t;">Endurskoðuð pt;">Eldri pt;">Breyting</spa
áætlun</span></span áætlun</span></spa n></span>> n><span <span
style="font-family: style="font-family:
Arial, Helvetica, Arial, Helvetica,
sans-serif;"><span sans-serif;"><span
style="font-size:8p style="font-size:8p
t;">2015</span></sp t;">2015</span></sp
an> an><span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Eigin t;">12.243</span></ pt;">12.243</span> pt;">0%</span></sp
iðgjöld</span></sp span></span> an>
an><span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Fjármunatekjur t;">3.026</span></s pt;">2.004</span>< pt;">51%</span></s</span></span> pan> /span> pan><span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Aðrar t;">86</span></span pt;">86</span></sp pt;">0%</span></sp
tekjur</span></spa > an> an>
n><span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Heildartekjur< t;">15.355</span></ pt;">14.333</span> pt;">7%</span></sp
/span></span> span></span> an>
--------------------------------------------------------------------------------<span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Eigin t;">-9.990</span></ pt;">-9.060</span> pt;">10%</span></s
tjón</span></span> span></span> pan><span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Annar t;">-3.280</span></ pt;">-3.164</span> pt;">4%</span></sp
rekstrarkostnaður< span></span> an>
/span></span><span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Heildargjöld</ t;">-13.268</span>< pt;">-12.128</span pt;">9%</span></sp
span></span> /span>></span> an><span <span <span <span
style="font-family style="font-family: style="font-family style="font-family
:Arial, Helvetica, Arial, Helvetica, :Arial, Helvetica, :Arial, Helvetica,
sans-serif;"><span sans-serif;"><span sans-serif;"><span sans-serif;"><span
style="font-size:8 style="font-size:8p style="font-size:8 style="font-size:8
pt;">Hagnaður fyrir t;">2.087</span></s pt;">2.205</span>< pt;">-5%</span></s
tekjuskatt</span>< pan> /span> pan>
/span>
--------------------------------------------------------------------------------<span style="font-size:8pt;font-family:Arial, Helvetica, sans-serif;">Fjárhæðir
eru í milljónum króna</span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Nýtt skipulag styrkir stoðir
áhættuverðlagningar og þjónustu</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Stjórn TM hefur samþykkt tillögu framkvæmdastjórnar um
nýtt skipulag félagsins (sjá viðhengi). Nýtt skipulag hefur það að markmiði að
efla áhættuverðlagningu og þjónustu við viðskiptavini. Breytingin felur einnig
í sér einföldun á skipulagi þar sem sviðum fækkar um eitt og eru nú fimm í stað
sex áður. Framkvæmdastjórn félagsins er óbreytt en hana skipa forstjóri og
framkvæmdastjórar sviðanna. Nýja skipulagið mun taka gildi 1. september
næstkomandi. </span></span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Hækkun á fjárhagslegri
styrkleikaeinkunn TM hjá S&P</span></span><span style="font-size:8pt;font-family:Arial, Helvetica, sans-serif;">Þann 17.
júlí síðast liðinn hækkað matsfyrirtækið Standard & Poor's (S&P) fjárhagslega
styrkleikaeinkunn sína fyrir TM úr BBB- í BBB með stöðugum horfum. Það var gert
í kjölfar hækkunar á lánshæfismati íslenska ríkisins en matseinkunn TM er sú
sama og S&P hefur veitt langtímaskuldbindingum ríkisins. TM hefur frá árinu
2007 verið með styrkleikamat frá S&P, eitt íslenskra tryggingafélaga. Matið
veitir TM tækifæri til að sækja vátryggingaviðskipti á erlenda markaði og er
því mikilvægur liður í vaxtarmöguleikum félagsins.</span><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Kynningarfundur</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">TM býður til opins kynningarfundar um afkomu félagsins á
fyrsta ársfjórðungi þann 25. ágúst kl. 8:30. Fundurinn fer fram í höfuðstöðvum
TM að Síðumúla 24. 4. hæð. Þar mun Sigurður Viðarsson forstjóri kynna uppgjörið
og svara spurningum. Kynningin verður aðgengileg í fréttakerfi Kauphallar og á
vef félagsins að fundi loknum.</span></span><span style="font-size:8pt;font-family:Arial, Helvetica, sans-serif;">Mögulegt
verður að fylgjast með beinni útsendingu af fundinum á vefnum á
slóðinni:</span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">https://global.gotomeeting.com/join/532375365</span></spa
n><strong style="font-size: 11pt;"><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Fjárhagsdagatal</span></span><ul><li><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Uppgjör 3. ársfjórðungs verður birt 29. október
2015</span></span></li><li><span style="font-family:Arial, Helvetica,
sans-serif;"><span style="font-size:8pt;">Uppgjör 4. ársfjórðungs verður birt
18. febrúar 2016</span></span></li><li><span
style="font-size:8pt;font-family:Arial, Helvetica, sans-serif;">Aðalfundur TM
2015 verður haldinn 12. mars 2016</span></li></ul><strong style="font-size:
11pt;"><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Nánari upplýsingar</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">Sigurður Viðarsson forstjóri </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span
style="font-size:8pt;">s: 515-2609</span></span><span style="font-size:8pt;font-family:Arial, Helvetica,
sans-serif;">sigurdur@tm.is</span>
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