Varma
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Outlook
President and CEO review
Operating environment
Pension reform 2017
Core function
Core task and strategy
The year in brief
Solvency
Personnel
Operational results
Lower earnings-related pension contributions for customers
Workability and better working life
Secured income during retirement
Investments
Investment year
Investments classified according to risk
Fixed income investments
Equity investments
Real estate investments
Other investments
Varma’s investment principles
Diversification
Responsible investment
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 2014
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. 2014
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
Annual Report 2014
Investments
Investment year
Investments classified according to risk
Investments
Investment year
Investments classified according to risk
Fixed income investments
Equity investments
Real estate investments
Other investments
Varma’s investment principles
Investments classified according to risk
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