Varma - Annual Report 2012

Varma in brief

Varma provides pension insurance for work carried out in Finland. Varma is a mutual company, owned by its client companies and self-employed persons, insured employees and owners of the guarantee capital. We take care of the statutory earnings-related pension cover of private sector employees and self-employed persons efficiently and competitively. Our customers are made up of approximately 70,000 entrepreneurs and employers, and we handle the earnings-related pension cover of more than 870,000 people.

We invest the assets collected as pension contributions profitably and securely for current and future pensions. With investments of EUR 34.4 billion, Varma is the largest private investor in Finland.

Varma's headquarters are located in Salmisaari, Helsinki, and our network of account managers covers nearly the whole country.