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.

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Key Figures

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Group key figures   2012 2011 2010 2009 2008
               
Profit before taxes EURm 1,616 1,228 1,320 825 870
Return on equity (at fair values) % 19.5 7.7 21.8 55.7 -32.4
Return on assets (at fair values) % 9.1 3.7 10.0 18.6 -7.4
Equity/assets ratio % 31.6 29.7 29.8 28.6 21.9
Group solvency ¹) EURm 3,358 1,892 3,038 2,315 2,656
Group solvency ratio ¹) % 170.4 138.6 167.1 158.3 433.6
Average number of staff   6,823 6,874 6,914 7,311 7,145
               
P&C insurance   2012 2011 2010 2009 2008
Premiums written before reinsurers' share EURm 4,698 4,414 4,189 3,888 4,057
Premiums earned EURm 4,363 4,094 3,894 3,643 3,807
Profit before taxes EURm 858 636 707 644 549
Return on equity (at fair values) % 36.2 12.4 39.8 53.2 -0.8
Risk ratio ²) % 65.9 68.4 69.1 68.0 68.1
Cost ratio ²) % 23.3 23.5 23.7 24.1 23.7
Loss ratio excl. unwinding of discount ²) % 72.1 74.7 75.6 74.6 74.4
Expense ratio ²) % 17.1 17.3 17.2 17.6 17.4
Combined ratio excl. unwinding of discount % 89.3 92.0 92.8 92.1 91.8
Solvency capital *) EURm 3,485 3,080 3,373 2,943 2,221
  % of technical provisions *) % 35.4 34.2 38.2 36.3 29.8
Solvency ratio *) % 77.4 72.4 79.5 77.3 65.7
Average number of staff   6,225 6,299 6,392 6,807 6,655
*) Based on the financial statements of If Group.
             
Life insurance            
Premiums written before reinsurers' share EURm 983 854 1,117 809 536
Profit before taxes EURm 136 137 142 121 140
Return on equity (at fair values) % 28.5 -11.7 36.2 97.6 -68.8
Expense ratio % 113.9 109.1 112.1 111.0 113.1
Solvency capital (IFRS) EURm 1,389 1,046 1,335 927 382
  % of technical provisions (IFRS) % 27.6 20.9 25.7 18.5 7.8
Average number of staff   545 521 470 450 437
               
Holding            
Profit before taxes EURm 623 456 474 36 180
Average number of staff   53 54 52 54 53
               
Per share key figures   2012 2011 2010 2009 2008
Earnings per share EUR 2.51 1.85 1.97 1.14 1.18
Earnings per share, incl. Items in other comprehensive income EUR 3.31 1.22 3.22 5.88 -3.52
Capital and reserves per share EUR 18.06 15.93 15.83 13.56 8.25
Net asset value per share EUR 17.55 14.05 17.79 14.63 8.28
Dividend per share ³) EUR 1.35 1.2 1.15 1 0.8
Dividend per earnings % 53.8 64.9 58.4 87.7 67.8
Effective dividend yield % 5.5 6.3 5.7 5.9 6.0
Price/earnings ratio   9.7 10.4 10.2 14.9 11.2
Adjusted number of shares at 31 Dec. 1,000 560,000 560,000 561,282 561,282 561,372
Average adjusted number of shares 1,000 560,000 560,863 561,321 561,370 569,442
Weighted average number of shares, incl. dilutive potential shares 1,000 560,000 560,863 561,321 561,370 569,442
Market capitalisation EURm 13,630 10,735 11,254 9,553 7,433
               
A shares            
Adjusted number of shares at 31 Dec. 1,000 558,800 558,800 560,082 560,082 560,172
Average adjusted number of shares 1,000 558,800 559,663 560,121 560,170 568,242
Weighted average number of shares, incl. dilutive potential shares 1,000 558,800 559,663 560,121 560,170 568,242
Weighted average share price EUR 21.43 20.63 18.46 13.84 15.96
Adjusted share price, high EUR 25.04 23.9 20.71 17.72 19.3
Adjusted share price, low EUR 17.91 16.85 16.13 8.63 11.42
Adjusted closing price EUR 24.34 19.17 20.05 17.02 13.24
Share trading volume during the financial year 1,000 252,821 399,759 381,863 452,367 650,816
Relative share trading volume % 45.2 71.4 68.2 80.8 114.5
               
B shares            
Adjusted number of shares at 31 Dec. 1,000 1,200 1,200 1,200 1,200 1,200
Average adjusted number of shares 1,000 1,200 1,200 1,200 1,200 1,200
¹) On 31 Dec. 2009 Nordea was consolidated as an associate to Sampo and Sampo became a financial and insurance conglomerate, in accordance with the Act on Supervision on Financial and Insurance Conglomerates (2004/699). In 2009 - 2012, the group solvency was calculated according to Chapter 3. In 2008, the group solvency was based on adjusted solvency calculations for insurance groups according to the Decree of the Ministry of Social Affairs and Health (1106/2000). The adjusted solvency was determined on the basis of the Group financial statements as permitted by the Financial Supervisory Authority.
²) Key figures for P&C Insurance are based on activity based costs and cannot, therefore, be calculated directly from the consolidated income statement.
³) The Board of Director's proposal to the Annual General Meeting for the accounting period 2012.
               
In calculating the key figures the tax corresponding to the result for the accounting period has been taken into account. The valuation differences, adjusted with the deferred tax liability, on the investment property have been taken into account in return on assets, return on equity, equity/assets ratio and net asset value per share. Additionally, the items in the other comprehensive income have been taken into account in return on assets and return on equity. In the net asset value per share, the Group valuation difference on associates Nordea and Topdanmark have also been taken into account.