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ContentsFacts about Tryg 4Structure of the Nordic insurance markets 5Headlines Q1 2011 7Key figures 8Segment performance in Q1 2011 10Combined ratio drivers Q1 10 / Q1 11 11Quarterly claims ratio – Corporate 12Expenses 13Discount rates 14Investment results Q1 15Provisions and run-off 16Capitalisation 17Outlook 18Underlying claims development 20Average claims and frequency 21Large and weather claims development 23Premium hikes 25Development in average premiums 26Customer retention - Private 27Major claims initiatives – annual benefits 28Danish market workers’ compensation – challenging 29Makro development and inflation 30Key figures – Private, Commercial and Corporate 32Assets allocation 36Key figures 2004-2010 and concensus 2011-12 37
AppendixGeographical segments 38Economic key figures in the Nordics 39Nordic peers 40
3
Disclaimer
Certain statements in this presentation are based on the beliefs of our management as well as assumptions made by
and information currently available to the management. Forward-looking statements (other than statements of
historical fact) regarding our future results of operations, financial condition, cash flows, business strategy, plans and
future objectives can generally be identified by terminology such as “targets”, “believes”, “expects”, “aims”, “intends”,
“plans”, “seeks”, “will”, “may”, ”anticipates”, “continues” or similar expressions.
A number of different factors may cause the actual performance to deviate significantly from the forward-looking
statements in this presentation including but not limited to general economic developments, changes in the
competitive environment, developments in the financial markets, extraordinary events such as natural disasters or
terrorist attacks, changes in legislation or case law and reinsurance.
We urge you to read our annual report available on tryg.com for a discussion of some of the factors that could affect
our future performance and the industry in which we operate.
Should one or more of these risks or uncertainties materialise or should any underlying assumptions prove to be
incorrect, our actual financial condition or results of operations could materially differ from that described herein as
anticipated, believed, estimated or expected.
We are not under any duty to update any of the forward-looking statements or to conform such statements to actual
results, except as may be required by law.
4
Share
performance since IPO (incl. dividends)
Shareholder breakdown
Facts about Tryg
• A true Nordic platform • Prudent underwriting and risk selection • Exceed customer expectation • Vision – to be perceived as the leading
peace-of-mind provider in the Nordic region
Gross
premium
split 2010
2.99.1
38.5
49.5
DenmarkNorwaySwedenFinland
Percentage
13
17
10
60
Danishinstitutional Non-DanishinstitutionalSmallershareholdersTryghedsGruppen
Percentage
0
25
50
75
100
125
150
175
200
225
250
Oct/2005 Apr/2006 Oct/2006 Apr/2007 Oct/2007 Apr/2008 Oct/2008 Apr/2009 Oct/2009 Apr/2010 Oct/2010 Apr/2011
Tryg Euro Insurance index
5
Structure of the Nordic insurance markets
A lka, 3 .5
T ryg, 20 .7
C odan, 12.9
A lm. Brand,
10 .0
I f, 5 .1
O ther, 24 .1
Top, 17 .8
Gjens idige,
5 .9
If, 25 .7
T ryg, 17 .1
Gjens idige,
27.9Spare
bank1,
10 .8
O ther, 18.5
O ther, 17 .4
Läns forsäkri
ngar, 28 .8
Folksam,
15.2
C odan, 16.0Moderna,
3 .7
I f, 18 .9
If, 24.2
Tryg, 2.4
Pohjo la, 27.6Tapio la, 18.5
Fennia, 9.5
Other, 17.8
Denmark
DKK 46.7bn/EUR 6.3bn (Q1 10)Norway
NOK 43.0bn/EUR 5.4bn (Q4 10)
Sweden
SEK 60.4bn/EUR 6.4bn (Q4 10)
Finland
EUR 3.5bn (Q4 10) incl. Tryg (EUR 84m)
Percentage Percentage
PercentagePercentage
Folksam, 4.5
Codan, 9.6
Tryg, 11.7
Other, 29.3
If, 17.4
Topdan-mark, 5.4
Länsfor-sikring, 8.5
Gjensdige, 9.1
Pohjo la, 4.5
Nordic market
EUR 21.6bn
Percentage
7
Headlines Q1 2011
Premium growthOrganic growth in local currency
2.0
3.0
4.0
5.0
6.0
Q108 Q208
Q308
Q408
Q109
Q209
Q309
Q409
Q110
Q210
Q310*
Q410
Q111
%
Combined ratio
80.0
90.0
100.0
110.0
120.0
Q108
Q208
Q308
Q408
Q109
Q209
Q309
Q409
Q110
Q210
Q310
Q410
Q111
• Combined ratio of 95.9 vs 108.6 in Q1 2010• 5.4% premium growth driven by Private Nordic with 9% growth• Claims ratio of 75.7 compared with 88.9 in Q1 2010. • Q1 2011 positively impacted by normal winter• Cost ratio of 16.6 underlines cost control. Denmark/Norway expense ratio of only 15.5.• Agreement on salary reductions for tied agents in Denmark and renewal of IT contract with CSC.
108.6
95.9
8
Key figures Q1 2011 Change
Q1 2011/DKKm Q1 2010 Q1 2011 Q1 2010
Gross premiums earned 4,650 5,038 388
Gross claims ratio 88.9 75.7 13.2
Business ceded as % of gross premiums 2.5 3.6 -1.1
Claims ratio, net of ceded business 91.4 79.3 12.1
Gross expense ratio 17.2 16.6 0.6
Combined ratio 108.6 95.9 12.7
Combined ratio before run-off 112.0 99.5 12.5
Technical result -354 276 630
Return on investments after technical interest 204 105 -99
Profit/loss before tax -113 361 474
Profit/loss on continuing business -85 271 356
Profit/loss for the period -102 271 373
9
Key figures
Claims ratio (ex winter 2010)
67.565.1
71.6
66.2
69.5
72.771.6
74.7 74.373.0
82.1
73.475.7
60
65
70
75
80
85
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Gross premiumDKKm
4,000
4,400
4,800
5,200
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Expense ratio
15
16
17
18
19
20
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Combined ratio (ex winter 2010)
87.4 86.7
90.489.3
91.0 91.5 92.1
94.1 93.992.5
99.2
95.5 95.9
85
90
95
100
105
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
10
Segment performance in Q1 2011
107.8
95.194.3
70
80
90
100
110
Q1 2009 Q1 2010 Q1 2011
100.2
137.7
105.3
70
90
110
130
Q1 2009 Q1 2010 Q1 2011
Private Nordic -
CR Commercial Nordic -
CR Corporate Nordic -
CR
• 9% premium growth in local currency
• CR improvement driven by normal level of winter claims and premium hikes coming in as planned
• Average premium per customer increased 3% in Norway and 8% in Denmark
• Renewal of major partner agreements on better terms
• Satisfactory underlying claims development
• 2.6% premium growth in local currency
• Combined ratio of 105.3
• Positive influence from premium hikes made in autumn 2010
• More than 3,000 customers have been through individual risk assessments
• Agreement on reduction of salaries for tied agents in Denmark
• 0.4% growth in premiums covering (DK: -2%, NO: 0% SE: 18%)
• Still tough market conditions but January 2011 renewal went better than last year
• Decrease in portfolio on workers’ comp
77.8
85.389.3
70
80
90
100
Q1 2009 Q1 2010 Q1 2011
11
95.9
108.6
5.0
14.7
0.6
2.5
4.9
1.0
0.2
Q1 2010 Extraordinarywinter
Premium hikes Claims inf lat ion Storm Corporate-strong Q1 2010
Expense rat io Others Q1 2011
Combined ratio drivers Q1-2010 / Q1-2011
12
Quarterly claims ratio - Corporate
30
40
50
60
70
80
90
Q108
Q208
Q308
Q408
Q109
Q209
Q309
Q409
Q110
Q210
Q310
Q410
Q111
• When adjusted for winter, claims ratio Q1 2010 was extraordinary low
13
Expenses
Breakdown of Group expense ratio
16.5 16.0 15.5 15.614.5 14.1 13.8
0.4 0.8 1.3 1.52.7
2.92.8
2005 2006 2007 2008 2009 2010 Q1 11
17.0 16.9 16.8 17.1 17.2 17.0 16.6
Denmark & Norway Finland & Sweden
Expense ratio
16.616.2
15.5
16.4
15.515.6
16.0
50.0
60.464.5
45.8
24.130.1
22.9
2005 2006 2007 2008 2009 2010 Q1 11
Denmark & Norway Finland & Sweden
Data before 2009 is not corrected for the sale of Marine Hull business.
• Decreasing trend in no. of employees continues
• Strict hiring policy continues
• New agreement with tied agents in Denmark approved
No. of employees
42854280 4280
4291
4268
Q1 10 Q2 10 Q3 10 Q4 10 Q1 11
14
2.0
3.0
4.0
5.0
6.0%
Discount rates
Interest rates are increasing after dive in 2010
Discounting effect Q1 2011 only slightly higher than Q1 2010
Market expects increasing interest rates in 2011
1% increase in interest level will:
-increase pre-tax profit by around DKK 300m
-improve combined ratio by approx. 1 % point
2007 2008 2009 2010 2011 2012
15
Investment result Q1
Gross
investment
return(mio. DKK)
Bonds
1,185
Equities
261
Real estate
300
Total
1,746
Match
Result
-28mMismatch
0.01%
Free
investment
Result
188mReturn
2.1 %
Assets Return
Q1 2011
32.2 mia. DKK
9.4 mia. DKK
Gross
investment
return(DKKm)
Bonds
5
Equities
99
Real estate
56
Total
160
Match
Mismatch
0.01%
Free
investment
Result
188mReturn
2.1%(≈
8.5% p.a.)
Assets Return
Q1 2011
32.2bn
9.4bn
16
Provisions and run-off
561683
824
182
792 800
283
2005 2006 2007 2008 2009 2010 Q1 2011
21,261 20,410 21,104 19,71522,470
24,883 24,649
5,183 5,173 5,4035,100
6,208
6,8199,352
0
10,000
20,000
30,000
2005 2006 2007 2008 2009 2010 Q12011
Relative Run-off/claims provisions
Insurance provision, DKKm
1.8%
3.0%
4.2% 4.1%3.6% 3.9%
3.0%
2005 2006 2007 2008 2009 2010 Q12011
Run-off net, DKKm
Premium provisions Claims provisions
• Total provisions increased by DKK
2.3bn in Q1 2011 due to seasonal
increase in premium provisions
• Stable run-off result
Q1 2011 annualised
17
Capitalisation
6,000
7,000
8,000
9,000
10,000
11,000
12,000
Q1 08
Q2 08
Q3 08
2008
bef
ore
payo
utQ1
09Q2
09Q3
09
2009
bef
ore
payo
utQ1
2010
Q2 20
10Q3
2010
2010
bef
ore
payo
utQ1
2011
Capital requirement Buffer (5%) Surplus capital
8%3%
18
Outlook
Mid-term
Medium term target is return on equity of more than 20% after tax
This implies a combined ratio level of 90% including potential run-off and
at current interest rate level
Annual impact fromprice increases
2011 2012
DKK ~1.0bn DKK ~0.6bn
ROE after tax
0%
10%
20%
30%
40%
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
Mid
term target
• Q1 result marks first step toward reaching the target
• Initiatives helps progress but further steps are needed
• Increasing interest rates will support lower combined ratio
20
Underlying claims development
Q1 2010
Q1 2011
Gross claims ratio
89.0 75.7
Large claims -3.0 -1.0
Weather claims 0.0 -1.1
Run-off 4.2 4.3
Interest rate 4.0 3.7
Extraordinary winter
-14.7
Underlying 79.5 81.6
Q1 2010
Q1 2011
Gross claimsratio
99.7 78.4
Large claims -2.0 -0.3
Weather claims 0.0 -1.3
Run-off 0.6 1.1
Interest rate 2.9 2.5
Extraordinary winter
-17.1
Underlying 84.1 80.4
Group
Private andCommercial
Price increases startsTo improve underlying
development
80%
84%
65%
70%
75%
80%
85%
90%
95%
Q1 08 Q2 08 Q3 08 Q4 08 Q1 09 Q2 09 Q3 09 Q4 09 Q1 10 Q2 10 Q3 10 Q4 10 Q1 11
Q1 usually has the highest claims ratio primarily due to normal winter effect
Private and Commercial – underlying claims ratio
21
8090
100110120130140150160
2006 2007 2008 2009 2010 2011 Q1A t l Adj
80
90
100
110
120
130
140
2006 2007 2008 2009 2010 2011 Q1
80
85
90
95
100
105
110
2006 2007 2008 2009 2010 2011 Q1
Average claims and frequency
8090
100110120130140150
2006 2007 2008 2009 2010 2011 Q1
Frequency
private cars
NO
Average
claims private house NO*Average
claims private cars
NO
Frequency
private house NO
Actual
vs
adj. average*
Actual
vs
adj. Average*
Actual
vs
adj. average*
Actual
vs
adj. average*
*Average
adjusted
for seasonal
effects
and long term trends
22
80
90
100
110
120
130
2006 2007 2008 2009 2010 2011 Q1
Average claims and frequency
80
90
100
110
120
2006 2007 2008 2009 2010 2011 Q1
Frequency
private cars
DK
8090
100110120130140150160
2006 2007 2008 2009 2010 2011 Q1
Average
claims private house DK**
**Excl. Storm and extraordinary
winter
Average
claims private cars
DK
Frequency
private house DK**
80859095
100105110115120
2006 2007 2008 2009 2010 2011 Q1
Actual
vs
adj. average*
Actual
vs
adj. average*
Actual
vs
adj. average*
Actual
vs
adj. average*
*Average
adjusted
for seasonal
effects
and long term trends
23
Large and weather claims development
Large claims gross
466537 491
813
50
597
0
200
400
600
800
1,000
2006 2007 2008 2009 2010 Q1 11
• Large claims gross amounted to DKK 50m in Q1 2011 – lower than anticipated.
• Weather claims lower than expected.
• Expected large claims level increased by 15% in 2011 and weather claims increased by 30%.
Weather claims (gross)
202332
112 121291
570
200
400
600
2006 2007 2008 2009 2010 Q1 11
DKKm
Expected full year level based on history
DKKm
Expected full year level based on history
25
Premium hikes
02468
101214
2009 2010 2011
Private Property M otor Property
Norway
0
5
10
15
2009 2010 2011
Private Property Other Private Property
Denmark
0
5
10
15
2009 2010 2011
Private Property M otor Other Private
Finland
0
5
10
15
2009 2010 2011
Private Property M otor Other Private
Sweden
% %
%%
26
Development in average premiumsMotor insurance - average premium
(Index 2005 =100)
80
90
100
110
120
2005 2006 2007 2008 2009 2010 2011
House insurance - average premium(Index 2005 = 100)
90
100
110
120
130
140
2005 2006 2007 2008 2009 2010 2011
Average price has declined for a number of years.
Increase past 12 months:
2.4 %
4.8 %
Pricing in House lagging claims development.
Increase past 12 months:
13.7 %
8.4 %
27
Customer retention – Private
82%
84%
86%
88%
90%
92%
Customer retention rate
2005 2006 2007 2008 2009 2010 Q1 11
• Retention rate in Norway is gradually improving
• Retention rate stable in Denmark despite premium hikes.
• Retention primarily decreasing among customers with only one product
75%
80%
85%
90%
95%
100%
Jan-2010 Jul-2010 Jan-2011
2+ products
1 product
28
Major claims initiatives - annual benefits
Improved
processesE-auction
etc. DKK 50m
Improved
processesE-auction
etc. DKK 50m
RecourseDKK 10m
RecourseDKK 10m
Alarm agreementDKK 10m
Alarm agreementDKK 10m
Reduce
loanercar
costsDKK 10m
Reduce
loanercar
costsDKK 10m
Improved
discountCar
spare partsDKK 25m
Improved
discountCar
spare partsDKK 25m
Reduce
fraudPersonal
linesDKK 10m
Reduce
fraudPersonal
linesDKK 10m
Large claims Building insurance
DKK 25m
Large claims Building insurance
DKK 25m
Windscreen
claims DKK 20m
Windscreen
claims DKK 20m
29
Danish market workers’ comp. - challenging
Number of awarded loss of ability
0
200
400
600
800
1000
1200
1400
1600
1800
2000
2004 2005 2006 2007 2008 2009 2010
1 year later 2 years later 3 years later 4 years later 5 years later 6 years later 7 years later
• Figures shows how loss of ability claims are determined by National Board of Industrial Injuries
• Rapid increase in number of awards between 2007 and 2008
• Especially many awards of temporary loss
• Underlines uncertainty in development
Source: NBII statistics
30
Macro development and inflation
Building costs
Motor repair costs
GDPChange
Change
Change
CPI
0.1
0.0 0.0
0.0 0.0
0%
2%
4%
6%
8%
2008 2009 2010 2011 2012
0.0
0.0
0.0
0.0 0.0
-2%
0%
2%
4%
6%
2008 2009 2010 2011 2012
0.0
-0.1
0.0 0.0 0.0
-6%
-4%
-2%
0%
2%
4%
2008 2009 2010 2011 2012
0.0
0.0
0.00.0 0.0
0%
2%
4%
2008 2009 2010 2011 2012
2011 and 2012 are Tryg estimates
32
Private Nordic
Gross premium DKKm
1,900
2,150
2,400
2,650
2,900
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Expense ratio - Private
14
16
18
20
22Q1
08Q2
08Q3
08Q4
08Q1
09Q2
09Q3
09Q4
09Q1
10Q2
10Q3
10Q4
10Q1
11
Clams ratio(ex winter 2010)
60
65
70
75
80
85
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Combined ratio (ex winter 2010)
85
90
95
100
105
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
33
Commercial Nordic
Gross premium DKKm
800
900
1,000
1,100
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Expense ratio
20
22
24
26
28Q1
08Q2
08Q3
08Q4
08Q1
09Q2
09Q3
09Q4
09Q1
10Q2
10Q3
10Q4
10Q1
11
Claims ratio(ex winter 2010)
50
60
70
80
90
100
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Combined ratio (ex winter 2010)
80
90
100
110
120
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
34
Corporate
Gross premium DKKm
1,150
1,250
1,350
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Expense ratio
8
10
12
14
16Q1
08Q2
08Q3
08Q4
08Q1
09Q2
09Q3
09Q4
09Q1
10Q2
10Q3
10Q4
10Q1
11
Claims ratio(ex winter 2010)
50
60
70
80
90
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
Combined ratio (ex winter 2010)
70
80
90
100
110
Q1 08
Q2 08
Q3 08
Q4 08
Q1 09
Q2 09
Q3 09
Q4 09
Q1 10
Q2 10
Q3 10
Q4 10
Q1 11
36
Assets allocation
Total assets allocation
6
22
53
91 5
4EquitiesReal estateCov. BondsGovt.DepositsHigh yieldOther
Percentage
Assets allocation
in the match portfolio
57
27 61
Cov. BondsGovt.DepositsOthers
Percentage
Assets allocation
in the free portfolio
726
2
48
15
2EquitiesReal estateCov. BondsGovt.High yieldOther
Percentage
37
Key figures 2004-10 and consensus for 2011-12Consensus
In DKKm 2004 2005 2006 2007 2008 2009 2010 2011 2012
Gross
premium
income 15,266 15,705 15,715 16,262 16,976 17,862 19,475 20,362 21,143Gross claims incurred -10,425 -11,159 -10,292 -10,448 -11,473 -12,882 -15,617Operating expenses -2,611 -2,662 -2,662 -2,730 -2,964 -3,056 -3,304Ceeded business -708 -7 -554 -553 -598 -520 -313Technical interest, net 185 170 337 494 491 158 134Technical
result 1,707 2,047 2,544 3,025 2,432 1,562 375 1,609 2,012
Investment income, net 371 894 1,228 340 -988 1,086 570 311 318
Pre-tax
profit 2,052 2,913 3,741 3,314 1,395 2,610 941 1,905 2,312
Tax -556 -788 -632 -893 -513 -625 -265Net income 1,421 2,097 3,211 2,266 846 2,008 593 1,409 1,725
Total insurance
provision 25,212 26,757 25,957 26,916 25,193 29,042 32,031Shareholders' equity 6,802 8,215 9,951 10,010 8,244 9,631 8,458
Earnings
per share 22.0 31.3 45.5 33.5 12.8 31.2 10.8 23.1 28.6Cash dividend per share 10.0 21.0 33.0 17.0 6.5 15.5 4.0 12.51 15.40Stock
buy
back per hare 21.0 12.5 0.0
Combined
ratio 90.0 88.2 85.9 84.4 88.2 92.2 98.8 93.0 91.5
38
Geographical segments
Denmark SwedenDkkm Q1 2010 Q1 2011 Dkkm Q1 2010 Q1 2011
Gross premiums 2389 2498 Gross premiums 340 463
Technical result -139 240 Technical result -68 -28
Key ratios Key ratiosGross claims ratio 91.0 73.6 Gross claims ratio 92.9 80.1Business ceded as % of gross premiums 0.7 4.0 Business ceded as % of gross premiums -2.4 4.5Gross expense ratio 14.8 14.1 Gross expense ratio 30 23.3Combined ratio 106.5 91.7 Combined ratio 120.5 107.9
Norway FinlandDkkm Q1 2010 Q1 2011 Dkkm Q1 2010 Q1 2011
Gross premiums 1780 1925 Gross premiums 141 161
Technical result -133 65 Technical result -15 -1
Key ratios Key ratiosGross claims ratio 85.8 76.8 Gross claims ratio 83.7 82.0Business ceded as % of gross premiums 6.0 3.5 Business ceded as % of gross premiums 0.7 -0.6Gross expense ratio 16.4 17.4 Gross expense ratio 28.4 21.7Combined ratio 108.2 97.7 Combined ratio 112.8 103.1
39
Economic key figures in the Nordics
Denmark Sweden
2011 2012 2011 2012
GDP growth 1.8 1.9 GDP growth 4.5 2.8
Inflation 2.0 Inflation 2.7
Unemployment 4.2 Unemployment 7.3
Current account balance in % of GDP
4.2Current account balance in % of GDP
6.4
Budget balance in % of GDP 2010
Budget balance in % of GDP 2010
Norway Finland
2011 2012 2011 2012
GDP growth 2.2 2.3 GDP growth 3.0 3.4
Inflation 1.8 Inflation 2.5
Unemployment 3.5 Unemployment 7.7
Current account balance in % of GDP
13.8Current account balance in % of GDP
2,0
Budget balance in % of GDP 2010
Budget balance in % of GDP 2010
Source: ECONOMIC OUTLOOK, Nordea Markets, January 2011
3.8 6.8
3.4 7.1
2.0
3.8
3.0
6.4
2.0
16.1
2.1
2,1
1.1 1.7
12.0 14.5
-4.5 -3.3
-2,0 -1,3