Sampo Group’s Online Annual Report 2012 and Sampo’s video ‘25 Years as a Listed Company’ have been granted the international Red Dot Communication Design 2013 Awards.

Red Dot design award winner 2013

Life Insurance Key Figures

Profit before taxes

Formula shown above in connection with the Group key figures.

Return on equity (at fair values), %

Formula shown above in connection with the Group key figures.

Expense ratio

+ operating expenses before change in deferred acquisition costs
+ claims settlement expenses                                                                x 100 %
expense charges

Solvency capital (IFRS)

+ equity after proposed profit distribution
± valuation differences on investment
- intangible assets
+ subordinated loans
- deferred tax liability probably realised in near future
  (incl. deferred tax from fair value reserve and profit)
+ other required items (Ministry of Finance decree)

Solvency ratio, % of technical provision, IFRS

+ solvency capital                                                                                    x 100 %
+ liabilities for insurance and investment contracts
- reinsurers’ share of insurance liabilities
- 75 % x technical provisions relating to unit-linked insurance