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Key Figures    
           
             
Group key figures   2010 2009 2008 2007 2006
Profit before taxes EURm 1,320 825 870 3,833 1,353
Return on equity (at fair values) % 21.8 55.7 -32.4 52.6 22.6
Return on assets (at fair values) % 10.0 18.6 -7.4 11.5 4.0
Equity/assets ratio % 29.8 28.6 21.9 30.5 10.9
Group solvency 2) EURm 3,038 2,315 2,656 5,969 2,443
Group solvency ratio 2) % 167.1 158.3 433.6 774.6 202.7
Average number of staff   6,914 7,311 7,145 6,855 11,657
               
Property & casualty insurance            
Premiums written before reinsurers' share EURm 4,189 3,888 4,057 4,085 4,019
Premiums earned EURm 3,894 3,643 3,807 3,797 3,765
Profit before taxes EURm 707 644 549 534 730
Return on equity (at fair values) % 39.8 53.2 -0.8 19.2 22.0
Risk ratio 3) % 69.1 68.0 68.1 66.9 65.9
Cost ratio 3) % 23.7 24.1 23.7 23.7 24.0
Loss ratio 3) % 77.1 76.2 76.0 74.9 73.9
Loss ratio excl. unwinding of discount 3) % 75.6 74.6 74.4 73.4 72.5
Expense ratio 3) % 17.2 17.6 17.4 17.2 17.4
Combined ratio % 94.3 93.8 93.4 92.1 91.3
Combined ratio excl. unwinding of discount % 92.8 92.1 91.8 90.6 89.9
Solvency capital **) EURm 3,373 2,943 2,221 2,681 2,841
  % of technical provisions *) % 38.2 36.3 29.8 33.3 36.8
Solvency ratio *) % 79.5 77.3 65.7 71.3 73.6
Average number of staff   6,392 6,807 6,655 6,415 6,428
               
*) Based on the financial statements of If Group.            
               
Life insurance            
Premiums written before reinsurers' share EURm 1,117 809 536 622 662
Profit before taxes EURm 142 121 140 342 295
Return on equity (at fair values) % 36.2 97.6 -68.8 9.1 30.0
Expense ratio % 112.1 111.0 113.1 101.6 101.9
Solvency capital (IFRS) EURm 1,335 927 382 844 1,031
  % of technical provisions (IFRS) % 25.7 18.5 7.8 16.4 20.1
Average number of staff   470 450 437 384 365
               
Holding 4)            
Profit before taxes EURm 474 36 180 95 -27
Average number of staff   52 54 53 56 435
               
Per share key figures   2010 2009 2008 2007 2006
Earnings per share EUR 1.97 1.14 1.18 6.18 1.73
Earnings per share, continuing operations EUR - - - 1.25 1.27
Options diluted earnings per share EUR - - - - 1.69
Options diluted earnings per share, continuing operations EUR - - - - 1.24
Earnings per share, incl. change in fair value reserve EUR 3.22 5.88 -3.52 5.89 1.89
Earnings per share, incl. change in fair value reserve, continuing operations EUR - - - 0.95 1.44
Capital and reserves per share EUR 15.83 13.56 8.25 13.47 9.18
Net asset value per share EUR 17.79 14.63 8.28 13.49 9.21
Dividend per share 5) EUR 1.15 1 0.8 1.2 1.2
Dividend per earnings % 58.4 87.7 67.8 19.4 69.4
Effective dividend yield % 5.7 5.9 6.0 6.6 5.9
Price/earnings ratio   10.2 14.9 11.2 2.9 11.7
Adjusted number of shares at 31 Dec. 6) 1,000 561,282 561,282 561,372 574,209 562,791
Average adjusted number of shares 6) 1,000 561,321 561,370 569,442 577,802 563,092
Weighted average number of shares, incl. dilutive potential shares 6) 1,000 561,321 561,370 569,442 577,802 576,341
Market capitalisation EURm 11,254 9,553 7,433 10,382 11,413
             
A shares            
Adjusted number of shares at 31 Dec. 6) 1,000 560,082 560,082 560,172 573,009 561,591
Average adjusted number of shares 6) 1,000 560,121 560,170 568,242 576,602 561,892
Weighted average number of shares, incl. dilutive potential shares 6) 1,000 560,121 560,170 568,242 576,602 575,141
Weighted average share price EUR 18.47 13.84 15.96 21.43 16.78
Adjusted share price, high EUR 20.71 17.72 19.3 24.79 20.74
Adjusted share price, low EUR 16.13 8.63 11.42 17.95 13.58
Adjusted closing price EUR 20.05 17.02 13.24 18.08 20.28
Share trading volume during accounting period 1,000 564,338 452,367 650,816 750,748 592,839
Relative share trading volume % 100.8 80.8 114.5 130.2 105.5
             
B shares            
Adjusted number of shares at 31 Dec. 1 000 kpl 1,200 1,200 1,200 1,200 1,200
Average adjusted number of shares 1 000 kpl 1,200 1,200 1,200 1,200 1,200
               
1) Sampo plc's sales gain (EURm 2,830) arising from the disposal of the share stock of Sampo Bank plc to Danske Bank A/S is included in the Group key figures for the year 2007. The comparison average numbers of staff between the year 2006 include the average staff number of the Banking and investment services (discontinued operations).
2) On 31 Dec. 2009 Nordea was consolidated as an associate to Sampo and Sampo became a financial and insurance conglomerate, in accordance with the Act on Supervision on Financial and Insurance Conglomerates (2004/699). In 2010 and 2009, the group solvency was calculated according to Chapter 3. In 2007 and 2008 the group solvency was based on adjusted solvency calculations for insurance groups according to the Decree of the Ministry of Social Affairs and Health (1106/2000). The adjusted solvency wass determined on the basis of the Group financial statements as permitted by the Financial Supervisory Authority (former Insurance Supervisory Authority). In 2006, the solvency was calculated according to the consolidation method defined in Chapter 3 of the Act on the Supervision of Financial and Insurance Conglomerates.
3) Key figures for P&C Insurance are based on activity based costs and cannot, therefore, be calculated directly from the consolidated income statement.
4) The comparison average numbers of staff for the year 2006 include the staff of Primasoft Oy, then consolidated as a subsidiary.
5) The Board of Director's proposal to the Annual General Meeting for the accounting period 2010.
6) In calculating the per share key figures, the number of shares used at the balance sheet dateand as the average number of shares was 561,282,390.
In calculating the key figures the tax corresponding to the result for the accounting period has been taken into account. The valuation differences, adjusted with deferred tax liability, on investment property and held-to-maturity debt securities have been taken into account in return on assets, return on equity, equity/assets ratio and net asset value per share. Additionally, other comprehensive income have been taken into account in return on assets and return on equity. In net asset value per share, the Group valuation difference on associate Nordea has also been taken into account.
               
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