Varma
Annual Report 2013
Annual Report 2012
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In brief
Varma in brief
Matti Vuoria: President and CEO’s Review
Risto Murto: Outlook
Year 2013 in brief
Key figures 2013
Securing pensions
Varma’s core function
Flows of money
Operating environment
Solvency
Services for companies and entrepreneurs
Workability management and rehabilitation
Pension services
Personnel
Investments
Investments
Varma's investment principles
Responsible investment
Investment year 2013
Investments classified according to risk
Fixed income investments
Equity investments
Real estate investments
Other investments
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 2013
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. 2013
Notes to the income statement
Notes to the balance sheet
Varma balance sheet and income statement at fair value
Key figures and analyses
Risk management
Proposal of the Board of Directors
Auditor's report
Good work
In brief
Key figures 2013
In brief
Varma in brief
Matti Vuoria: President and CEO’s Review
Risto Murto: Outlook
Year 2013 in brief
Key figures 2013
Key figures 2013
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