Key Figures

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Group key figures ¹)			2011	2010	2009	2008	2007

Profit before taxes		EURm	1,228	1,320	825	870	3,833
Return on equity (at fair values)		%	7.7	21.8	55.7	-32.4	52.6
Return on assets (at fair values)		%	3.7	10.0	18.6	-7.4	11.5
Equity/assets ratio		%	29.7	29.8	28.6	21.9	30.5
Group solvency ²)		EURm	1,892	3,038	2,315	2,656	5,969
Group solvency ratio ²)		%	138.6	167.1	158.3	433.6	774.6
Average number of staff			6,874	6,914	7,311	7,145	6,855


P&C insurance			2011	2010	2009	2008	2007
Premiums written before reinsurers' share		EURm	4,414	4,189	3,888	4,057	4,085
Premiums earned		EURm	4,094	3,894	3,643	3,807	3,797
Profit before taxes		EURm	636	707	644	549	534
Return on equity (at fair values)		%	12.4	39.8	53.2	-0.8	19.2
Risk ratio ³)		%	68.4	69.1	68.0	68.1	66.9
Cost ratio ³)		%	23.5	23.7	24.1	23.7	23.7
Loss ratio excl. unwinding of discount ³)		%	74.7	75.6	74.6	74.4	73.4
Expense ratio ³)		%	17.3	17.2	17.6	17.4	17.2
Combined ratio excl. unwinding of discount		%	92.0	92.8	92.1	91.8	90.6
Solvency capital **)		EURm	3,080	3,373	2,943	2,221	2,681
	% of technical provisions *)	%	34.2	38.2	36.3	29.8	33.3
Solvency ratio *)		%	72.4	79.5	77.3	65.7	71.3
Average number of staff			6,299	6,392	6,807	6,655	6,415

*) Based on the financial statements of If Group.


Life insurance			2011	2010	2009	2008	2007
Premiums written before reinsurers' share			854	1,117	809	536	622
Profit before taxes		EURm	137	142	121	140	342
Return on equity (at fair values)		EURm	-11.7	36.2	97.6	-68.8	9.1
Expense ratio		%	111.6	112.1	111.0	113.1	101.6
Solvency capital (IFRS)		%	1,046	1,335	927	382	844
	% of technical provisions (IFRS)	EURm	20.9	25.7	18.5	7.8	16.4
Average number of staff		%	521	470	450	437	384


Holding			2011	2010	2009	2008	2007
Profit before taxes		EURm	456	474	36	180	95
Average number of staff			54	52	54	53	56


Per share key figures			2011	2010	2009	2008	2007
Earnings per share		EUR	1.85	1.97	1.14	1.18	6.18
Earnings per share, continuing operations		EUR	-	-	-	-	1.25
Earnings per share, incl. change in fair value reserve		EUR	1.22	3.22	5.88	-3.52	5.89
Earnings per share, incl. change in fair value reserve, continuing operations		EUR	-	-	-	-	0.95
Capital and reserves per share		EUR	15.93	15.83	13.56	8.25	13.47
Net asset value per share		EUR	14.05	17.79	14.63	8.28	13.49
Dividend per share ⁴)		EUR	1.20	1.15	1.00	0.80	1.20
Dividend per earnings		%	64.9	58.4	87.7	67.8	19.4
Effective dividend yield		%	6.3	5.7	5.9	6.0	6.6
Price/earnings ratio			10.4	10.2	14.9	11.2	2.9
Adjusted number of shares at 31 Dec. ⁵)		1,000	560,000	561,282	561,282	561,372	574,209
Average adjusted number of shares ⁵)		1,000	560,863	561,321	561,370	569,442	577,802
Weighted average number of shares, incl. dilutive potential shares ⁶)		1,000	560,863	561,321	561,370	569,442	577,802
Market capitalisation		EURm	10,735	11,254	9,553	7,433	10,382


A shares			2011	2010	2009	2008	2007
Adjusted number of shares at 31 Dec. ⁵)		1,000	558,800	560,082	560,082	560,172	573,009
Average adjusted number of shares ⁵)		1,000	559,663	560,121	560,170	568,242	576,602
Weighted average number of shares, incl. dilutive potential shares ⁵)		1,000	559,663	560,121	560,170	568,242	576,602
Weighted average share price		EUR	20.63	18.46	13.84	15.96	21.43
Adjusted share price, high		EUR	23.90	20.71	17.72	19.30	24.79
Adjusted share price, low		EUR	16.85	16.13	8.63	11.42	17.95
Adjusted closing price		EUR	19.17	20.05	17.02	13.24	18.08
Share trading volume during the financial year		1,000	399,759	381,863	452,367	650,816	750,748
Relative share trading volume		%	71.4	68.2	80.8	114.5	130.2


B shares			2011	2010	2009	2008	2007
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) Sampo plc's sales gain (EURm 2,830) arising from the disposal of the share stock of Sampo Bank plc to Danske Bank A/S is included in the Group key figures for the year 2007.

²) 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 2009–2010, the group solvency was calculated according to Chapter 3. In 2007 and 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 wass determined on the basis of the Group financial statements as permitted by the Financial Supervisory Authority (former Insurance Supervisory Authority). In 2006, the solvency was calculated according to the consolidation method defined in Chapter 3 of the Act on the Supervision of Financial and Insurance Conglomerates.

³) Key figures for P&C Insurance are based on activity based costs and cannot, therefore, be calculated directly from the consolidated income statement.

⁴) The Board of Director's proposal to the Annual General Meeting for the accounting period 2011.

⁵) In calculating the per share key figures, the treasury shares (1,282,390 shares) held by Sampo pcl during the financial year have been taken into account. The number of shares used at the balance sheet date was 560,000,000 and the average number of shares 560,862,572.

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 deferred tax liability, on investment property and held-to-maturity debt securities have been taken into account in return on assets, return on equity, equity/assets ratio and net asset value per share. Additionally, other comprehensive income have been taken into account in return on assets and return on equity. In net asset value per share, the Group valuation difference on associate Nordea has also been taken into account.

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