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Annual Report 2015
Annual Report 2014
Annual Report 2013
Annual Report 2012
The year 2015
Strategy
Investments
Responsibility
Corporate governance
Financial statements
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The year 2015
The year in brief
President & CEO review
Lower earnings-related pension contributions for customers
Varma for entrepreneurs
Pension cover
Workability and good working life
Strategy
Varma’s targets and strategy
Operating environment
Investments
Solvency
Fixed income investments
Equity investments
Real estate investments
Other investments
Varma’s investment principles
Decentralisation
Responsibility
Targets and measures
Personnel
Responsible investment
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
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