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• In brief
  • Varma in brief
  • Year 2012 in brief
  • Key figures 2012
• Securing pensions
  • Varma’s core function
    • Pension insurance provider for work carried out in Finland
    • We take care of earnings-related pension provision
    • Pension services and well-being at work
    • We invest pension assets profitably and securely
  • President and CEO’s Review
  • Operating environment
  • Solvency
  • Services for companies and entrepreneurs
  • Workability management and rehabilitation
  • Pension services
  • Personnel
• Investments
  • Investments
    • Varma's investment principles
  • Investment year 2012
    • Investments classified according to risk
    • Fixed income investments
    • Equity investments
    • Real estate investments
    • Other investments
  • Responsible investment
    • Real estate and sustainable development
• Corporate governance
  • Corporate Governance Report
    • Annual General Meeting
    • Supervisory Board
      • Members
    • Election Committee
    • Board of Directors
      • Members
      • Board of Directors’ Committees
    • President and CEO
    • Executive Group
      • Medical Affairs and Consultant Physicians
    • Consultative Committees
      • Consultative Committee for Pension Affairs
      • Consultative Committee of Pensioners
      • Consultative Committee of the Insured
      • Consultative Committee of Employers
      • Consultative Committee of Self-Employed Persons
  • Salary and remuneration statement
    • Decision-making procedure and remuneration principles
    • Remuneration of Supervisory Board
    • Remuneration of the Board of Directors’ members
    • Remuneration scheme for the President and CEO and members of the Executive Group
  • Risk management
    • Business risks
    • Insurance risks
    • Investment risks
    • Operational risks
    • Other risks
• Financial statements
  • Report of the Board of Directors 2012
    • Economic operating environment
    • Earnings-related pension system
    • Varma’s financial trends
    • Technical provisions
    • Investments
    • Operating expenses
    • Personnel
    • Group companies and associates
    • Corporate governance
    • Capital and reserves
    • Risk management
    • Outlook
  • Income statement
  • Balance sheet
  • Statement of source and application of funds
  • Notes to the financial statements
    • Accounting principles
    • Group companies 31 Dec. 2012
    • Notes to the income statement
      • 1. Premiums written
      • 2. Claims paid
      • 3. Breakdown of net investment return
      • 4. Operating expenses in the income statement
      • 5. Overall operating expenses by function
      • 6. Personnel expenses
      • 7. Management salaries and remunerations
      • 8. Auditors’ fees
      • 9. Income taxes
    • Notes to the balance sheet
      • 10. Investments at fair value and valuation differences, Parent Company
      • 11. Investments at fair value and valuation differences, Group
      • 12. Investments in Group companies and associates, Parent Company
      • 13. Investments in Group companies and associates, Group
      • 14. Changes in investments in real estate
      • 15. Real estate investments in own use
      • 16. Parent Company’s other investments, shares and participations
      • 17. Changes in tangible and intangible assets, Parent Company
      • 18. Loan receivables itemised by guarantee
      • 19. Total pension loan receivables itemised by balance sheet item
      • 20. Loans to related parties
      • 21. Derivatives
      • 22. Liabilities to Group companies
      • 23. Technical provisions
      • 24. Solvency capital, Parent Company
      • 25. Liabilities, Parent Company
      • 26. Capital and reserves
      • 27. Capital and reserves after proposed profit distribution
      • 28. Distributable profits
      • 29. Guarantee capital
      • 30. Guarantees and liabilities, Parent Company
      • 31. Guarantees and liabilities, Parent Company
    • Varma balance sheet and income statement at fair value
    • Investments classified according to risk
    • Key figures and analyses
      • Summary
      • Performance analysis
      • Solvency
      • Investment allocation at fair value
      • Investment return specification and surplus
      • Net investment income at fair value
      • Loading profit and maintenance of working capacity expenses
    • Risk management
  • Proposal of the Board of Directors
  • Auditor's report