This section presents the capitalization of Sampo Group in 2010 and the changes that took place during the year.

Risks and the respective capital requirements in Sampo Group are assessed internally, as well as according to the methods defined by the regulators and rating agencies. The amount of adjusted solvency capital is compared to economic capital and regulatory solvency capital is compared to the regulatory capital requirement. Furthermore, rating agency capital targets for different ratings are compared to the respective rating agency measures of available capital.

The solvency of Sampo Group's insurance subsidiaries improved during the year due to good results. The development of capitalization in Sampo Group within the internal and regulatory perspectives during the year 2010 is shown in the figures "Development of capitalization, If P&C, 31 Dec 2009 - 31 Dec 2010",  "Development of capitalization, Mandatum Life, 31 Dec 2009 - 31 Dec 2010" and  "Development of capitalization, Sampo Group, 31 Dec 2009 - 31 Dec 2010".




Updates and refinements are frequently done to the models used for calculating the economic capital. Thus, the economic capital figures may not be fully comparable between years.

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