Review by the President and CEO

Overall, our financial performance was as expected and we were able to give higher customer bonuses to policyholders than last year. In the past year we have also prepared ourselves for changes in the authorities’ requirements.
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Investment operations
Suomi Mutual’s net investment return was 5.6 per cent in the financial year, a level that exceeded many benchmarks and was just below the company’s target of 5.7 cent, which was derived from the requirements set for the return on technical provisions, competitive customer bonuses and the market-based return on capital and reserves.
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Customer benefits
Suomi Mutual distributed EUR 411 million to its customers in additional benefits, a sum that includes special additional benefits and customer bonuses to be granted in 2008. Of the conditionally promised EUR 840 million, about EUR 200 million still remains undistributed on insurances coming within the sphere of special additional benefits. Increases in customer bonuses have been granted to all insurance savings.
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Report by the Board of Directors

On 31 December 2007 the consolidated solvency capital totalled EUR 1,214 million (EUR 1,460 million in 2006) and the solvency ratio in proportion to technical provisions was 21.9% (27.4%). The consolidated balance sheet totalled EUR 6,587 million.
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Annual accounts

Suomi Mutual’s Annual Report 2007 is published in Finnish and in English online and in a pdf file. The financial statements material included in the annual report is a shortened version of the official financial statements.
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Pdf file
The pdf report is easy to print as a single document.
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