Key Figures

Group key figures 2017 2016 2015 2014 2013
Profit before taxes EURm 2,482 1,871 1,888 1,759 1,668
Return on equity (at fair values) % 17.1 15.0 14.0 10.9 13.8
Return on assets (at fair values) % 7.6 7.3 7.2 5.6 7.0
Equity/assets ratio % 26.1 31.5 32.1 31.5 32.7
Group solvency ¹) EURm 3,858 3,849 3,179 4,282 3,934
Group solvency ratio ¹) % 154 154 145 187 184
Average number of staff 9,364 6,780 6,755 6,739 6,832
If
Premiums written before reinsurers' share EURm 4,525 4,458 4,559 4,634 4,768
Premiums earned EURm 4,293 4,286 4,344 4,457 4,505
Profit before taxes EURm 818 824 960 931 929
Return on equity (at fair values) % 21.3 25.3 21.5 18.1 24.4
Risk ratio ²) % 63.3 62.3 66.6 65.1 65.4
Cost ratio ²) % 22.0 22.1 18.8 22.5 22.8
Loss ratio ²) % 68.9 67.8 72.4 70.9 71.4
Expense ratio ²) % 16.4 16.6 13.0 16.7 16.8
Combined ratio % 85.3 84.4 85.4 87.7 88.1
Average number of staff 6,367 6,180 6,176 6,173 6,238
Topdanmark
Premiums written before reinsurers' share, life insurance EURm 210 - - - -
Premiums earned, life insurance EURm 281 - - - -
Premiums written before reinsurers' share, P&C insurance EURm 848 - - - -
Premiums earned, P&C insurance % 64.0 - - - -
Profit before taxes % 16.4 - - - -
Loss ratio ²) % 80.5 - - - -
Expense ratio ²) % 294 - - - -
Combined ratio % 294
Average number of staff 2,412 - - - -
Mandatum
Premiums written before reinsurers' share EURm 967 1,122 1,149 1,110 1,068
Profit before taxes EURm 236 210 181 163 153
Return on equity (at fair values) % 13.3 15.9 12.7 11.4 18.3
Expense ratio % 94.7 100.5 100.0 104.1 106.6
Average number of staff 525 543 522 509 541
Holding
Profit before taxes EURm 576 778 749 669 589
Average number of staff 60 57 57 57 53
Per share key figures 2017 2016 2015 2014 2013
Earnings per share EUR 3.96 2.95 2.96 2.75 2.59
Earnings per share, incl. items in other comprehensive income EUR 3.79 3.14 2.79 2.11 2.54
Capital and reserves per share EUR 23.14 21.31 20.38 19.51 19.01
Net asset value per share EUR 25.37 24.86 23.79 22.63 22.15
Dividend per share ³) EUR 2.60 2.30 2.15 1.95 1.65
Dividend per earnings % 65.7 78.0 72.6 70.9 63.7
Effective dividend yield % 5.7 5.4 4.6 5.0 4.6
Price/earnings ratio 11.6 14.4 15.9 14.1 13.8
Adjusted number of shares at 31 Dec. 1.000 555,352 560,000 560,000 560,000 560,000
Average adjusted number of shares 1.000 559,873 560,000 560,000 560,000 560,000
Weighted average number of shares, incl. dilutive potential shares 1.000 559,873 560,000 560,000 560,000 560,000
Market capitalisation EURm 24,858 23,850 26,320 21,739 20,003
A shares
Adjusted number of shares at 31 Dec. 1.000 554,152 558,800 558,800 558,800 558,800
Average adjusted number of shares 1.000 554,152 558,800 558,800 558,800 558,800
Weighted average number of shares, incl. dilutive potential shares 1.000 554,152 558,800 558,800 558,800 558,800
Weighted average share price EUR 44.76 40.35 44.34 36.88 31.05
Adjusted share price, high EUR 47.46 46.56 49.40 39.98 35.92
Adjusted share price, low EUR 41.53 34.42 37.72 33.71 25.04
Adjusted closing price EUR 45.80 42.59 47.00 38.82 35.72
Share trading volume during the financial year 1.000 179,568 203,996 182,762 194,492 188,402
Relative share trading volume % 32.4 36.5 32.7 34.8 33.7
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). The group solvency is calculated according to Chapter 3. The adjusted solvency is 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. Topdanmark's ratios are for the whole year.
³) The Board of Director's proposal to the Annual General Meeting for the accounting period 2017.
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 associate Nordea and listed subisidiary Topdanmark have also been taken into account.