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  "docSlug": "54bb1a5f2af3cfd2",
  "documentTitle": "2026 Capital Markets Day",
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  "authorName": "Gjensidige",
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  "notes": "The slide uses a visual 'staircase' or 'progression' metaphor to show increasing performance targets over time.",
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      "text": "Financial targets Annual, 2027 and 2028: Combined ratio <81%, Cost ratio ~12%, Return on equity >28%, Solvency ratio 140-190%, Insurance service result >NOK 10bn in 2028",
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      "text": "Financial targets 2026: Combined ratio <82%, Cost ratio ~13%, Return on equity >24%, Solvency ratio 140-190%, Insurance service result >NOK 7.5bn (>DKK 750m in Denmark)",
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      "text": "Financial targets 2025: Combined ratio <84%, Cost ratio <14%, Return on equity >22%, Solvency ratio 140-190%",
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      "kind": "title",
      "text": "Raising the bar further",
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