Varma - Annual Report 2012
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Frontpage
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
Election Committee
Board of Directors
President and CEO
Executive Group
Consultative Committees
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
Notes to the balance sheet
Varma balance sheet and income statement at fair value
Investments classified according to risk
Key figures and analyses
Risk management
Proposal of the Board of Directors
Auditor's report
Good work
Good work award: Snellman
The Tree of Good Work – campaign and donation
Responsible Summer Job 2012
Material bank
President and CEO's Review video
President and CEO's Review
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Key terminology
User guide
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