Review by the President and CEO

We achieved the set targets, and overall the financial year 2006 was good. Consequently, we were able to extend the increase in additional benefits to the entire insurance portfolio.

Investment operations

Investment result exceeded the company's return target, which was derived from requirements set for the return on technical provisions, for competitive customer bonuses, and for a market-based return on equity. The company's investments performed well also in relation to the market trend.

Customer benefits

Suomi Mutual refunded a total of EUR 315 million to its policyholders as additional benefits. The amount included the 2007 special additional benefits and customer bonuses.

Report by the Board of Directors

On 31 December 2006, consolidated solvency capital totalled EUR 1,430 (EUR 1,369 million in 2005) and the solvency ratio in proportion to technical provisions was 27.4 per cent (25.7 per cent ). Consolidated balance sheet stood at EUR 6,408 million.

Annual accounts

Suomi Mutual's Annual Report for 2006 is available on the Internet in Finnish and English. The annual accounts material included in this Annual Report is a summary of the company's official annual accounts.

PDF file

The Annual Report can be printed out as a whole in PDF format.