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2017 Annual Report 2017

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GROUP Group
Group
- Businesses
  - If
  - Topdanmark
  - Nordea
  - Mandatum Life
- Personnel
- Corporate Responsibility
- Shares on the Joint Book-Entry Account 2017
GOVERNANCE Governance
Governance
- Board-Appointed Committees
  - Audit Committee
  - Nomination and Compensation Committee
- Group Executive Committee
  - Group Executive Committee's Duties
BoD REPORT Board of Directors' Report
Board of Directors' Report
- Key Figures
- Calculation of the Key Figures
RISK MANAGEMENT Risk Management
Risk Management
FINANCIAL STATEMENTS Financial Statements
Financial Statements
- Group's IFRS Financial Statements
- Sampo plc’s Financial Statements
- Approval of the Financial Statements and the Board of Directors’ Report
- Auditor's Report

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Board of Directors' Report
Calculation of the Key Figures
Life Insurance Key Figures

Life Insurance Key Figures

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

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