| 1 Insurance premiums written | ||||
| Download as Excel | ||||
| P&C insurance | ||||
| EURm | 2012 | 2011 | ||
| Premiums from insurance contracts | ||||
| Premiums written, direct insurance | 4,590 | 4,324 | ||
| Premiums written, assumed reinsurance | 109 | 90 | ||
| Premiums written, gross | 4,698 | 4,414 | ||
| Reinsurers' share of premiums written | -258 | -213 | ||
| Premiums written, net | 4,441 | 4,201 | ||
| Change in unearned premium provision | -79 | -106 | ||
| Reinsurers' share | 1 | -1 | ||
| Change in unearned premium provision, net | -78 | -107 | ||
| Premiums earned, total | 4,363 | 4,094 | ||
| Life insurance | ||||
| EURm | 2012 | 2011 | ||
| Premiums from insurance contracts | ||||
| Premiums written, direct insurance | 591 | 541 | ||
| Premiums written, assumed reinsurance | 2 | 2 | ||
| Insurance contracts total, gross | 593 | 544 | ||
| Premium revenue ceded to reinsurers on insurance contracts issued | -5 | -5 | ||
| Insurance contracts total, net | 588 | 538 | ||
| Investment contracts | 389 | 311 | ||
| Premiums written, net ¹) | 977 | 849 | ||
| Group, total | 5,418 | 5,050 | ||
| ¹) The change in unearned premiums is presented in note 4 " The change in insurance and investment liabilities". | ||||
| Specification of premiums written in Life insurance | ||||
| EURm | 2012 | 2011 | ||
| Premiums from insurance contracts | ||||
| Premiums from contracts with discretionary participation feature | 168 | 201 | ||
| Premiums from unit-linked contracts | 421 | 339 | ||
| Premiums from other contracts | 1 | 1 | ||
| Total | 591 | 541 | ||
| Assumed reinsurance | 2 | 2 | ||
| Premiums from investment contracts | ||||
| Premiums from contracts with discretionary participation feature | 0 | 1 | ||
| Premiums from unit-linked contracts | 389 | 310 | ||
| Total | 389 | 311 | ||
| Insurance and investment contracts, total | 983 | 854 | ||
| Reinsurers' share | -5 | -5 | ||
| Premiums written, total | 977 | 849 | ||
| Single and regular premiums from direct insurance | ||||
| Regular premiums, insurance contracts | 381 | 360 | ||
| Single premiums, insurance contracts | 210 | 186 | ||
| Single premiums, investment contracts | 389 | 307 | ||
| Total | 981 | 852 | ||
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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.
