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Storebrand

Storebrand is a prominent company specializing in long-term savings, , , and , serving as a leading provider in the market. Headquartered in , the company manages NOK 1,561 billion (as of September 2025) in and caters to more than 2 million customers across and , with operations extending to the , , , , , and . With roots tracing back to 1767 through its predecessor fire institutions and formally established under the Storebrand name in 1847, it introduced occupational in 1917 and has grown through key mergers, including the 2007 acquisition of pension firm , solidifying its regional dominance. Storebrand operates through distinct segments, including savings and pensions (its largest by volume, focused on and products), non-life (re-entered in ), and , which emphasizes sustainable investments as a since the mid-1990s. The company also manages a substantial portfolio of more than 2,000,000 square meters and provides banking services via Storebrand ASA, established in 1996. In , Storebrand reported record-breaking performance with a profit of 5,904 million, driven by strong growth in premiums and assets, alongside strategic acquisitions like the Danish manager AIP. A core aspect of Storebrand's identity is its commitment to , having integrated (ESG) factors into investments since 1995, with annual ESG reporting since 1999 and third-party audited sustainability disclosures since 2008. This focus aligns with its mission to deliver financial security while addressing , , conditions, and challenges, positioning it as a responsible for over 500,000 occupational customers. As Norway's largest asset manager, Storebrand invests in more than 5,000 companies worldwide, balancing profitability with ethical principles to support long-term value creation.

History

Origins and early development

Storebrand's origins trace back to 1767, when Den almindelige Brand-Forsikrings-Anstalt was established in as Norway's first company, initially tasked with administering compulsory for buildings in the Danish-Norwegian . Following Norway's secession from in 1814, the administration of this scheme transferred to (now ), where it continued to operate amid growing urban risks. By 1913, the entity had evolved into a company renamed Norges Brannkasse, reflecting its national scope in providing essential coverage during a period of increasing industrialization that heightened property vulnerabilities from factory expansions and city growth. In 1847, private interests founded almindelige Brandforsikrings-Selskab for Varer og Effecter, marking the establishment of what would become known as Storebrand and focusing initially on fire insurance for goods and effects in Norway's burgeoning industrial landscape. This company quickly expanded its offerings, evolving into a firm by the mid-19th century as Norway's economy industrialized, with fire and becoming critical to safeguard assets against the hazards of rapid and manufacturing growth. By integrating with earlier fire insurance traditions, Storebrand positioned itself as a key player in mitigating risks for businesses and households during this transformative era. A significant milestone came in 1917, when Storebrand introduced occupational , predating the country's Scheme by 50 years and establishing an early framework for employee retirement security amid the social changes of the early . This innovation built on the company's foundations, extending its role from property protection to long-term financial planning for workers in an industrializing workforce.

Key mergers and expansions

In 1983, Storebrand merged with the Nordic Group (Norden) to form Storebrand-Norden, consolidating their operations in the insurance market and enhancing their competitive position. The merged entity was renamed AS Storebrand in 1986, reflecting a streamlined amid ongoing industry consolidation. The merger with UNI Forsikring in 1991 created UNI Storebrand, combining Storebrand's strengths with UNI's and casualty expertise to form one of Norway's largest insurers. This integration occurred during a period of financial strain, exacerbated by heavy investments and market volatility, leading to a significant in 1993 that stabilized the company's through creditor negotiations and asset adjustments. Attempts to further expand through mergers faced setbacks, including failed negotiations with in 1992 to establish a powerhouse, which collapsed due to disagreements on terms. Similarly, in 1997, Storebrand's proposed stock swap acquisition of Christiania Bank og Kreditkasse, valued at approximately $1.8 billion, was rejected by shareholders who did not approve the required two-thirds majority, thwarting the creation of Norway's largest financial group. In 1999, Storebrand partially divested its property and casualty (P&C) insurance operations by merging them with those of and to form If P&C Insurance, a pan-Nordic entity registered in ; Storebrand initially held a 33% stake before fully exiting in 2004 to focus on core life and pension businesses. This move allowed Storebrand to streamline its portfolio amid competitive pressures in non-life . A pivotal expansion came in 2007 when Storebrand acquired the Swedish pension provider SPP from Handelsbanken for SEK 18 billion (approximately €1.9 billion), marking its entry into the Nordic pensions market and establishing the group as a leading regional player in and occupational pensions. The acquisition integrated SPP's substantial operations, diversifying Storebrand's geographic footprint beyond .

Recent milestones

In 2010, Storebrand employed 2,163 full-time equivalents (FTE), generating revenue of NOK 48.24 billion and of NOK 1.48 billion, establishing a baseline for subsequent growth in scale and profitability. Odd Arild Grefstad was appointed CEO in , steering the company toward enhanced capital efficiency, cost management, and customer focus, which by 2018 culminated in a strategic ambition to develop a leading savings and group through expanded operations in the region. In 2021, Storebrand's exceeded 1,000 billion. In 2024, Storebrand reported record-breaking performance with a of 5,904 million, driven by strong in premiums and assets, alongside the acquisition of the Danish manager AIP. In September 2025, Storebrand appointed Kjetil R. Krøkje as its new , effective September 17, succeeding Lars Aa. Løddesøl who transitioned to other roles within the group. For the third quarter of 2025, the company reported a record group of 1,586 million, driven by strong performance across savings, , and insurance segments. By the third quarter of 2025, Storebrand's (AUM) had grown to 1,561 billion, surpassing 1,500 billion and reflecting robust net inflows and market appreciation in its Nordic-focused portfolio.

Business operations

Core segments

Storebrand's segments encompass a diversified portfolio of , primarily centered on savings, , and , which collectively drive the company's operations and strategic growth. As Norway's largest provider of occupational pensions, the company structures its activities to balance capital-efficient expansion in high-growth areas with the release of capital from mature segments. These segments are integral to Storebrand's , enabling it to serve a broad customer base while maintaining a focus on and across its offerings. The and pensions segment represents the largest portion of Storebrand's operations by volume, focusing on occupational and individual solutions for both and markets. This area handles defined contribution, defined benefit, and hybrid schemes, serving over 500,000 customers with occupational pensions and managing substantial reserves to support long-term savings. The segment's growth is supported by ongoing transfers from pensions and strategic acquisitions, contributing significantly to the company's fee-based and . Storebrand's involvement in pensions traces back to a initiative that laid the foundation for its expertise in this field. Property and casualty (P&C) forms another key segment, addressing non-life risks such as automobile, home, and commercial coverage for and corporate clients. With a of approximately 7.6% in P&C, this division emphasizes profitability through repricing strategies and risk mitigation, generating stable income amid fluctuating market conditions. It complements the company's broader portfolio by providing diversified revenue streams outside of savings products. Asset management stands as a cornerstone segment, overseeing NOK 1,561 billion in (AUM) as of the third quarter of 2025, with a focus on serving institutional investors, clients, and partners across equities, , and alternatives. This unit drives growth through net inflows and market appreciation, achieving a 16% year-over-year increase in AUM, while prioritizing sustainable strategies to align with client demands for responsible allocation. Its role extends to managing assets for the group's internal segments, enhancing overall efficiency. Banking operations constitute a growing segment, centered on retail financial services including loans, deposits, and funding solutions to support individual and needs in . With a portfolio of 95 billion as of Q3 2025, reflecting 12% annual growth, this area positions Storebrand as a challenger in the competitive landscape, leveraging opportunities with and savings products. Real estate management rounds out the core segments, with Storebrand overseeing a real estate portfolio comprising more than 2,000,000 m² of lettable area through direct ownership and fund structures across the Nordic region. This division manages commercial, residential, and logistics assets, emphasizing sustainable development and leasing activities to generate recurring income and contribute to the group's asset diversification. It integrates with the broader asset management function to optimize returns while advancing environmental goals, such as CO2 reductions in property operations.

Products and services

Storebrand provides a diverse of financial products and services tailored to individuals, businesses, and public enterprises, with a strong emphasis on long-term savings and . Its offerings span , pensions, savings, , banking, and , integrating principles across many solutions to align with environmental and social goals. In the insurance domain, Storebrand delivers policies that include products for pensions and individual coverage, such as group providing and death benefits for corporate clients, where it holds a leading position in . Property and casualty (P&C) covers standard needs for individuals, including , , and automotive policies, while business-oriented options encompass and other protections to support operational . These products emphasize loss prevention and practices, particularly in addressing climate-related . For pensions and savings, Storebrand specializes in defined contribution schemes, including mandatory occupational where employers contribute a percentage of salary to individual accounts, and individualized occupational pensions in . Unit-linked savings plans allow customers to invest in funds with options for tax-advantaged accumulation, often consolidated in personal accounts that aggregate savings from multiple employers. Occupational schemes further include paid-up policies and capital certificates, enabling flexible investment choices across sustainable and traditional funds to optimize future returns. Storebrand's services feature sustainable investment funds that incorporate (ESG) criteria, alongside equity and portfolios designed for both Nordic and international clients seeking diversified, risk-adjusted . These offerings extend to assets like and , with a holistic approach to that has been a core focus since the 1990s, aiming to deliver superior long-term value through alignment with UN . Banking products through Storebrand Bank include retail loans, mortgages, and deposit accounts such as current accounts, delivered via a charge-free online platform that facilitates seamless digital access and with other group services. This model supports everyday financial needs while integrating with broader savings and insurance solutions. Real estate services involve property and targeted at institutional investors, encompassing direct investments in and residential assets to generate stable income and capital appreciation within sustainable frameworks. These services prioritize energy-efficient properties and contribute to the group's strategies.

Geographic markets

Storebrand's primary geographic market is , where it maintains its headquarters in , near , and serves as the leading provider of occupational pensions. The company caters to over 2.2 million individual customers and approximately 55,000 corporate clients in , encompassing a broad demographic that includes private individuals, businesses, and entities. In , Storebrand operates through its subsidiary , acquired in 2007, focusing on pensions and savings products for individuals and firms, contributing to a combined customer base exceeding 2 million across and . This market represents a significant portion of the company's operations, with Storebrand aiming to solidify its position as a top provider of occupational pensions. Core revenue is predominantly generated from , which accounts for the majority, followed by , while the company maintains a limited direct presence in these markets. Storebrand extends its footprint across the broader region through services for institutional clients in and , supported by local offices in and established to enhance market engagement. In , recent investments, such as a residential portfolio acquisition in 2025, further strengthen its presence. Internationally, while direct operations remain Nordic-focused, the company's —exceeding NOK 1,000 billion—are invested in over 5,000 global companies, enabling indirect exposure to worldwide markets without generating core revenue from outside the .

Corporate structure

Subsidiaries and divisions

Storebrand operates through several key wholly owned subsidiaries that form the core of its organizational structure, focusing on , banking, and activities across the region as of 2025. Storebrand Livsforsikring AS serves as the primary entity for and products, managing substantial reserves in unit-linked policies for both and markets, and remains central to the group's operations. It is fully owned by Storebrand ASA and integrates with the broader segment. Storebrand Skadeforsikring AS, also known as Storebrand Forsikring AS, handles property and casualty (P&C) , including risk-based products for individuals and businesses, with premiums and profits reflecting its focus on non-life insurance lines. This subsidiary is wholly owned by Storebrand ASA. Storebrand Bank ASA provides services, including mortgages and deposits, operating as a dedicated banking arm established in 1996 and fully owned by Storebrand ASA. It manages significant lending and deposit volumes to support the group's financial services. Storebrand AS oversees the group's investment activities, managing of NOK 1.561 trillion as of Q3 2025 for Nordic and international clients. Wholly owned by Storebrand ASA, it includes a sub-entity, Storebrand UK Ltd (SAM UK Ltd), which facilitates services for UK-based and global investors through a facility agent role, and a majority-owned (60%) subsidiary AIP Management P/S, a Danish fund manager acquired in stages with the latest increase in 2024. SPP Fonder AB, a subsidiary acquired as part of the 2007 purchase of from , specializes in pensions and fund management within the pension market. It operates under full ownership by Storebrand ASA and contributes to the group's reserves.

Leadership and governance

Storebrand's executive leadership is headed by Odd Arild Grefstad, who has served in the role since 2012 and oversees the group's overall strategy, including expansion in the markets. The position is held by Kjetil R. Krøkje, appointed in September 2025 following his prior role as Group Head of Strategy, Finance & M&A; he manages the company's financial operations, , and efforts as Executive Vice President of . The is chaired by Jarle Roth, who assumed the position in 2024 after joining the board in 2023, providing independent oversight as a non-executive advisor. The board comprises a majority of independent members, including Line M. Hestvik, who joined in 2025 as a self-employed , alongside others such as Christel Elise Borge and Viveka Ekberg to ensure diverse expertise in , , and corporate strategy. Employee-elected representatives, like Hanne Seim , contribute to balanced decision-making. Storebrand ASA is listed on the under the ticker STB.OL and adheres to Norwegian regulations, including those outlined in the Norwegian Code of Practice for Corporate Governance. As of November 2025, the company holds an ISS Governance QualityScore of 1, reflecting strong performance in , board structure, shareholder rights, and compensation practices on a scale where 1 indicates the highest quality. The share structure consists of approximately 424,970,000 ordinary shares outstanding as of October 2025, with major ownership held by institutional investors such as Folketrygdfondet (approximately 10.65%) and Storebrand AS (about 2.42%) as of Q3 2025.

Financial performance

Historical overview

Storebrand's financial foundation was built on fire insurance premiums from its origins in 1767, enabling steady revenue growth in the 19th century and diversification into life insurance in 1861 and occupational pensions in 1917. By the 1950s, post-war recovery supported a broader revenue base from life, non-life, and pension products. The 1990s presented financial challenges, including debt from expansions like the 1991 UNI Forsikring merger and failed 1992 talks, leading to a 1993 restructuring and resumption of trading. Non-life operations were consolidated into If Skadeförsäkring in 1999. By 2010, total group assets reached NOK 390.41 billion, with total equity at NOK 18.42 billion, including NOK 92.84 billion in equities and NOK 204.94 billion in bonds. (AUM) stood at approximately NOK 407 billion. Nordic expansion in the 2000s included the 2007 acquisition of pension provider for SEK 18 billion ( 15.5 billion), yielding synergies over 400 million by 2010 and enhancing resilience during the 2008 crisis. From 2010 to 2020, AUM grew steadily from 407 billion to 962 billion, averaging 9% annually, driven by inflows and regulatory shifts. Financial performance continued to strengthen from to , with AUM reaching 1,469 billion by year-end and record profit of 5,904 million, supported by premium growth and sustainable investments.

Current metrics and results

In the third quarter of 2025, Storebrand achieved a record group profit of 1,586 million, marking a 5% increase year-over-year from 1,507 million in Q3 . The operational profit reached 1,091 million, reflecting a 16% year-over-year growth from 944 million, driven by strong performance in insurance and asset management segments. Assets under management stood at NOK 1,561 billion as of the end of Q3 2025, representing a quarterly increase of NOK 54 billion and a 16% rise compared to Q3 2024. This growth was supported by net positive inflows of NOK 16 billion during the quarter, highlighting sustained demand for Storebrand's savings and products. As of early November 2025, Storebrand's was approximately NOK 67.5 billion, with the share price closing at NOK 157.20 on November 6, 2025. The company maintains a progressive , with the 2025 dividend per share set at NOK 4.70, an increase aligned with growth. Additionally, Storebrand has approval for NOK 1.5 billion in share buybacks for the full year 2025, of which NOK 342 million remained available as of , 2025, to enhance shareholder value while preserving capital strength. The group's ratio was 195% at quarter-end, exceeding the upper target threshold of 175% (within the 150%-175% range) and underscoring a robust . Looking ahead, Storebrand anticipates continued improvement in insurance profitability, targeting a combined ratio of 90-92% for the full year 2025, supported by pricing adjustments and operational efficiencies. The company also expects ongoing positive asset inflows, building on the quarterly momentum to drive further growth in .

Sustainability efforts

Investment principles

Storebrand has pursued sustainable for 30 years, beginning with the establishment of a dedicated sustainable department in 1995, and has fully integrated criteria across its (AUM), which reached 1,561 billion as of Q3 2025. This integration ensures that (ESG) factors are embedded in all decisions, aligning with the company's vision of enabling sustainable profitability by 2050. The core principles of Storebrand's sustainable investing emphasize climate protection, biodiversity preservation, improved social conditions, and robust , while exercising active ownership across more than 5,000 companies worldwide. Active ownership involves ongoing , at meetings, and to drive positive change, with exclusions applied when companies fail to improve despite dialogue. These principles are grounded in international norms, including the UN Global Compact, , and ILO conventions, to promote long-term value creation. Storebrand maintains a comprehensive exclusion list, prohibiting investments in companies deriving significant revenue from tobacco production—such as and (over 5% of revenue)—controversial weapons like cluster munitions and nuclear arms, and entities involved in severe violations, including or forced labor and . The screening process combines norm-based analysis, which evaluates adherence to global standards, with systematic integration across all funds and portfolios, ensuring no exposure to controversial sectors like or that cause irreversible environmental damage. This approach, managed by an Sustainable , applies to all internally managed assets since the policy's inception in 2005.

Reporting and initiatives

Storebrand has published annual sustainability reports since 1999, building on environmental reports initiated in 1995, with disclosures on socially responsible investments integrated into these documents to highlight progress in ethical and environmental fund management. Since 2008, has been fully embedded in the company's annual reports, providing detailed metrics on environmental impacts, practices, and alignment with international standards. Key initiatives include climate action plans that align investments with the , such as commitments to divest from companies undermining its goals and engagement with portfolio firms to establish science-based emissions targets. Storebrand also participates in the Net-Zero Asset Owner Alliance, aiming for portfolio carbon neutrality by 2050 through collaborative advocacy for low-carbon transitions. For biodiversity protection, the company has signed the for Pledge and developed a dedicated policy to reverse loss via active ownership and risk assessments in investments. It leads efforts like the Investors Policy Dialogue on and Action 100, focusing on high-impact sectors to mitigate . Additionally, Storebrand's 2024-2026 engagement themes prioritize , assessing implications for long-term asset returns. Storebrand has received international recognitions for ESG leadership, including ranking 41st globally and first in in TIME Magazine's 2024 World's Most Sustainable Companies list, and CDP Awards in 2020 for top climate performance in its funds. It also leads the Finance for Pledge and earned Awards in 2024 for its rebranding of visual identity and custom font design. On supply chain governance transparency, Storebrand complies with 's Transparency Act through annual due diligence reports since 2023, detailing human rights assessments and risk mitigation across operations and investments. Its 2024 Public Transparency Report emphasizes resilient supply chains, including GHG emissions reductions in value chains. In 2025, Storebrand enhanced its reporting on nature-related risks, aligning with global standards like the Taskforce on Nature-related Financial Disclosures (TNFD) through pilot frameworks for company-level assessments. A 2025 report analyzed interactions between the 100 largest companies and , incorporating location-specific data on and loss to evaluate impacts, dependencies, and risks. This builds on the 2024 Climate and Nature Report, integrating TNFD methodologies to strengthen portfolio resilience against challenges.

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