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Table of Contents

• 1. Group

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  • Group CEO's Review
  • 2015 in Figures
  • Strategy
    • If P&C Insurance
    • Mandatum Life
  • Group Structure
  • Organization
  • Businesses
    • If P&C Insurance
    • Nordea
    • Mandatum Life
  • Personnel
    • If P&C Insurance
    • Mandatum Life
  • Corporate Responsibility
    • If P&C Insurance
    • Mandatum Life
• 2. Governance

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  • Corporate Governance Statement
  • Governance Structure
  • Board of Directors
    • Björn Wahlroos
    • Eira Palin-Lehtinen
    • Anne Brunila
    • Jannica Fagerholm
    • Adine Grate Axén
    • Veli-Matti Mattila
    • Risto Murto
    • Per Arthur Sørlie
    • Board of Directors' Duties
    • Election and Terms of Office of Board Members
  • Board-Appointed Committees
    • Audit Committee
    • Nomination and Compensation Committee
  • Group Executive Committee
    • Kari Stadigh
    • Knut Arne Alsaker
    • Peter Johansson
    • Patrick Lapveteläinen
    • Torbjörn Magnusson
    • Ivar Martinsen
    • Petri Niemisvirta
    • Morten Thorsrud
    • Timo Vuorinen
    • Ricard Wennerklint
    • Group Executive Committee's Duties
  • Group CEO and President
  • Remuneration
  • Internal Audit
  • Insider Administration
  • External Auditor
• 3. Board of Directors' Report

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  • Sampo Group
  • Business Areas
    • P&C Insurance
    • Associated Company Nordea Bank AB
    • Life Insurance
    • Holding
  • Governance
    • Changes in Group Structure
    • Annual General Meeting
    • Corporate Responsibility
    • Personnel
    • Remuneration
    • Risk Management
  • Shares, Share Capital and Shareholders
    • Shares and Share Capital
    • Authorizations Granted to the Board
    • Shareholders
  • Financial Standing
    • Internal Dividends
    • Ratings
    • Group Solvency
    • Debt Financing
  • Outlook
  • Dividend Proposal
  • Key Figures
  • Calculation of the Key Figures
    • Group Key Figures
    • P&C Insurance Key Figures
    • Life Insurance Key Figures
    • Per Share Key Figures
• 4. Risk Management

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  • Sampo Group’s Structure and Business Model
  • Sampo Group’s Risks and Core Risk Management Activities
    • Group’s Risks
    • Core Risk Management Activities
  • Profitability, Risks and Capital
    • Capitalization at the Company Level
    • Capitalization at Group Level
  • Underwriting Risks
    • Non-life Insurance Underwriting Risks
    • Life Insurance Underwriting Risks
  • Investment Portfolio Market Risks
    • Asset Allocations and Investment Returns
    • Interest Rate and Currency Risks
    • Equity and Spread Risks
  • Counterparty Default Risks
  • ALM Risks
  • Operational Risks
    • If P&C
    • Mandatum Life
  • Appendix 1: Sampo Group Steering Framework and Risk Management Process
    • Parent Company’s Guidance
    • Subsidiaries’ Activities and Risk Management
    • Parent Company’s Oversight and Activities
    • Risk Governance
  • Appendix 2: Risk Definitions
    • Underwriting Risks
    • Investment Portfolio Market Risks
    • Counterparty Default Risks
    • ALM Risks
    • Operational Risks
• 5. Financial Statements

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  • Group's IFRS Financial Statements
    • Statement of profit and other comprehensive income, IFRS
    • Consolidated balance sheet, IFRS
    • Statement of changes in equity, IFRS
    • Statement of cash flows, IFRS
    • Notes to the accounts
      • Summary of significant accounting policies
      • Segment information
      • Notes to the Group’s Financial Statements
        • 1 Insurance premiums written
        • 2 Net income from investments
        • 3 Claims incurred
        • 4 Change in liabilities for insurance and investment contracts
        • 5 Staff costs
        • 6 Other operating expenses
        • 7 Result analysis of P&C insurance
        • 8 Performance analysis per class of P&C insurance
        • 9 Earnings per share
        • 10 Financial assets and liabilities
        • 11 Property, plant and equipment
        • 12 Investment property
        • 13 Intangible assets
        • 14 Investments in associates
        • 15 Financial assets
        • 16 Fair values
        • 17 Determination and hierarchy of fair values
        • 18 Movements in level 3 financial instruments measured at fair value
        • 19 Sensitivity analysis of level 3 financial instruments measured at fair value
        • 20 Investments related to unit-linked insurance contracts
        • 21 Deferred tax assets and liabilities
        • 22 Taxes
        • 23 Components of other comprehensive income
        • 24 Tax effects relating to components of other comprehensive income
        • 25 Other assets
        • 26 Cash and cash equivalents
        • 27 Liabilities from insurance and investment contracts
        • 28 Liabilities from unit-linked insurance and investment contracts
        • 29 Financial liabilities
        • 30 Provisions
        • 31 Employee benefits
        • 32 Other liabilities
        • 33 Contingent liabilities and commitments
        • 34 Equity and reserves
        • 35 Related party disclosures
        • 36 Incentive schemes
        • 37 Auditors' fees
        • 38 Legal proceedings
        • 39 Investments in subsidiaries
        • 40 Investments in shares and participations other than subsidiaries and associates
        • 41 Events after the balance sheet date
  • Sampo plc’s Financial Statements
    • Sampo plc’s income statement
    • Sampo plc’s balance sheet
    • Sampo plc’s statement of cash flows
    • Summary of Sampo plc’s significant accounting policies
    • Notes to Sampo plc’s Financial Statements
      • Notes to the income statement 1–4
      • Notes to the assets 5–9
      • Notes to the liabilities 10–13
      • Notes to the income taxes 14
      • Notes to the liabilities and commitments 15–16
      • Notes to the staff and management 17–19
      • Notes to the shares held 20
  • Approval of the Financial Statements and the Board of Directors’ Report
  • Auditor's Report
• 6. Calendar and Contacts

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  • Financial Information and AGM 2016