Pension Insurance Company Veritas delivered strong growth in the year 2022. Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million. At the end of the year, Veritas provided insurance cover for nearly 68 000 employees and over 14 000 entrepreneurs.
Pension Insurance Company Veritas delivered strong growth in the year 2022. Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million. At the end of the year, Veritas provided insurance cover for nearly 68 000 employees and over 14 000 entrepreneurs.
During the period of January through June, the return on Veritas’ investments amounted to -6.7 per cent. Fixed-income investments generated a return of -7.6 per cent, equity investments a return of -12.5 per cent, real estate 2.9 per cent and other investments 8.3 per cent. The solvency stayed on a protective level in a constantly changing market.
During the first quarter of this year, the return on Veritas’ investments amounted to -3.5 per cent. Fixed-income instruments yielded -3.0 per cent, equity investments -6.8 per cent, real estate 1.2 per cent and other investments 3.0 per cent. The high returns generated last year have ensured that we are well-equipped to tackle this year.
The return from Veritas’ investments in January through September amounted to -6.2 per cent. Fixed-income investments generated a return of -8.2 per cent, equity investments -12.6 per cent, real estate investments 3.9 per cent and other investments 12.9 per cent.
The pandemic and the subsequent stimulus packages set the pace for the investment year 2020. The return on Veritas’ investments was 6.8 per cent in the fourth quarter of 2020, bringing the investment return for the whole year to 5.6 per cent. The good investment result strengthened Veritas’ solvency, which increased by the end of the year to 128.8 per cent.
The total return on Veritas’ investments was 3.9 per cent in April–June and 7.3 per cent in the first half of 2021. The good investment result strengthened Veritas’ solvency, which increased to 131.5 per cent at the end of June. Veritas’ solvency capital surpassed one billion euros for the first time. Veritas attracted a record number of new customers in the second quarter.
The total return on Veritas’ investments was 8.3 per cent in January–September. Veritas’ equity investments performed best during the period of January–September, with a return of 17.2 per cent. The return on real estate investments was 4.1 per cent, fixed income investments 1.3 per cent and other investments 5.9 per cent.
Veritas Pension Insurance succeeded in attaining excellent investment returns in 2021. The return from the investments during the year amounted to 12.6 per cent, i.e., close to EUR 0.5 billion. Equity investments generated 25.2 per cent, real estate investments 9.5 per cent, fixed-income investments 1.6 per cent, and other investments 7.4 per cent. The good investment return strengthened Veritas solvency.
Pension Insurance Company Veritas delivered strong growth in the year 2022. Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million. At the end of the year, Veritas provided insurance cover for nearly 68 000 employees and over 14 000 entrepreneurs.
During the period of January through June, the return on Veritas’ investments amounted to -6.7 per cent. Fixed-income investments generated a return of -7.6 per cent, equity investments a return of -12.5 per cent, real estate 2.9 per cent and other investments 8.3 per cent. The solvency stayed on a protective level in a constantly changing market.
During the first quarter of this year, the return on Veritas’ investments amounted to -3.5 per cent. Fixed-income instruments yielded -3.0 per cent, equity investments -6.8 per cent, real estate 1.2 per cent and other investments 3.0 per cent. The high returns generated last year have ensured that we are well-equipped to tackle this year.
The return from Veritas’ investments in January through September amounted to -6.2 per cent. Fixed-income investments generated a return of -8.2 per cent, equity investments -12.6 per cent, real estate investments 3.9 per cent and other investments 12.9 per cent.
The pandemic and the subsequent stimulus packages set the pace for the investment year 2020. The return on Veritas’ investments was 6.8 per cent in the fourth quarter of 2020, bringing the investment return for the whole year to 5.6 per cent. The good investment result strengthened Veritas’ solvency, which increased by the end of the year to 128.8 per cent.
The total return on Veritas’ investments was 3.9 per cent in April–June and 7.3 per cent in the first half of 2021. The good investment result strengthened Veritas’ solvency, which increased to 131.5 per cent at the end of June. Veritas’ solvency capital surpassed one billion euros for the first time. Veritas attracted a record number of new customers in the second quarter.
The total return on Veritas’ investments was 8.3 per cent in January–September. Veritas’ equity investments performed best during the period of January–September, with a return of 17.2 per cent. The return on real estate investments was 4.1 per cent, fixed income investments 1.3 per cent and other investments 5.9 per cent.
Veritas Pension Insurance succeeded in attaining excellent investment returns in 2021. The return from the investments during the year amounted to 12.6 per cent, i.e., close to EUR 0.5 billion. Equity investments generated 25.2 per cent, real estate investments 9.5 per cent, fixed-income investments 1.6 per cent, and other investments 7.4 per cent. The good investment return strengthened Veritas solvency.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
The financial markets have recovered due to the massive stimulus measures. The total return on Veritas’ investments was 3.3 per cent in January–March. Good investment returns strengthened Veritas’ solvency.
The return on Veritas' investments was 5.7 per cent in 2023. The return on fixed-income investments was 7.8 per cent, equity investments 8.7 per cent, real estate investments -4.1 per cent and other investments 4.8 per cent.
Elo’s return on investment 1.9 per cent – burdened by uncertainty, the first...Työeläkeyhtiö Elo
Accelerating inflation, global tightening of monetary policy and Russia’s invasion of Ukraine increased uncertainty and affected the financial market. Elo’s return on investment was -1.9 per cent (3.9 per cent). The market value of the investments was EUR 28.8 (26.8) billion at the end of the first quarter. The solvency ratio was 126.1 (125.0) per cent.
Elo Mutual Pension Insurance Company - Interim report 1 Januari - 31 March 2021Työeläkeyhtiö Elo
In January–March, the return on Elo’s investments was 3.9 (-9.5) per cent, or EUR 996.4 million. The market value of Elo’s investments at the end of March was EUR 26.8 billion. The solvency ratio was 125.0 per cent and solvency capital was 1.5 times the solvency limit.
Elo Mutual Insurance Company: Pension assets grew at a record pace – return E...Työeläkeyhtiö Elo
The global economy recovered strongly in 2021. Growth was stronger than it had been in decades. This was also reflected in Elo’s investment income. The return on Elo’s investments was 14.0% (3.6%). The market value of Elo’s investments was EUR 29.4 (25.9) billion at the end of 2021.
Elo Mutual Pension Insurance Company - Financial statements 2020Työeläkeyhtiö Elo
Elo’s financial statements 2020, unaudited and not approved by the Board of Directors: The market value of Elo’s investments was EUR 25.9 (25.3) billion at the end of 2020. The return on investments was 3.6 per cent (13.0 per cent). The solvency ratio was 123.7 (124.4) per cent and solvency capital was 1.6 (1.6) times the solvency limit.
Elo Mutual Insurance Company Interim Report 30.6.2021Työeläkeyhtiö Elo
In January–June, the return on Elo’s investments was 7.8 (-4.1) per cent, or EUR 2,007.5 million. The market value of Elo’s investments at the end of June was EUR 27.8 billion. The solvency ratio was 126.6 per cent and solvency capital was 1.6 times the solvency limit.
The return on Veritas’ investments was 3.3 per cent in the third quarter. The return for the entire year remains slightly negative at -1.1 per cent. The solvency ratio increased during the third quarter and was 124.3 per cent at the end of September.
In 2020, the return on Varma’s investments was 2.8 (12.0) percent or EUR 1.4 billion. The value of investments grew to EUR 50.2 (48.7) billion at the end of 2020, the year of the coronavirus.
Elo Mutual Insurance Company Interim Report 30.9.2021 presentationTyöeläkeyhtiö Elo
In January–September, the return on Elo’s investments was 9.4 per cent, or EUR 2.4 billion. The market value of the investments was EUR 28.3 billion at the end of September. The solvency ratio was 126.9 per cent and solvency capital was 1.6 times the solvency limit.
The return on Veritas’ investments was 2.3 per cent for the period of January–September. The return on fixed income investments was 3.7 per cent, equity investments 3.2 per cent, real estate -2.5 per cent and other investments 3.3 per cent.
Global growth slowed down further in the third quarter. Elo’s total return on investment remained negative due to the deterioration of the general economic situation.
The return on Veritas’ investments was 3.7 per cent in the first quarter of the year. The return on fixed-income investments was 1.8 per cent, equity investments 6.4 per cent, real estate 0.6 per cent and other investments 2.4 per cent.
Veritas placeringar avkastade 3,7 procent under årets första kvartal. Ränteplaceringarna avkastade 1,8 procent, aktieplaceringarna 6,4 procent, fastigheterna 0,6 procent och de övriga placeringarna 2,4 procent.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
The financial markets have recovered due to the massive stimulus measures. The total return on Veritas’ investments was 3.3 per cent in January–March. Good investment returns strengthened Veritas’ solvency.
The return on Veritas' investments was 5.7 per cent in 2023. The return on fixed-income investments was 7.8 per cent, equity investments 8.7 per cent, real estate investments -4.1 per cent and other investments 4.8 per cent.
Elo’s return on investment 1.9 per cent – burdened by uncertainty, the first...Työeläkeyhtiö Elo
Accelerating inflation, global tightening of monetary policy and Russia’s invasion of Ukraine increased uncertainty and affected the financial market. Elo’s return on investment was -1.9 per cent (3.9 per cent). The market value of the investments was EUR 28.8 (26.8) billion at the end of the first quarter. The solvency ratio was 126.1 (125.0) per cent.
Elo Mutual Pension Insurance Company - Interim report 1 Januari - 31 March 2021Työeläkeyhtiö Elo
In January–March, the return on Elo’s investments was 3.9 (-9.5) per cent, or EUR 996.4 million. The market value of Elo’s investments at the end of March was EUR 26.8 billion. The solvency ratio was 125.0 per cent and solvency capital was 1.5 times the solvency limit.
Elo Mutual Insurance Company: Pension assets grew at a record pace – return E...Työeläkeyhtiö Elo
The global economy recovered strongly in 2021. Growth was stronger than it had been in decades. This was also reflected in Elo’s investment income. The return on Elo’s investments was 14.0% (3.6%). The market value of Elo’s investments was EUR 29.4 (25.9) billion at the end of 2021.
Elo Mutual Pension Insurance Company - Financial statements 2020Työeläkeyhtiö Elo
Elo’s financial statements 2020, unaudited and not approved by the Board of Directors: The market value of Elo’s investments was EUR 25.9 (25.3) billion at the end of 2020. The return on investments was 3.6 per cent (13.0 per cent). The solvency ratio was 123.7 (124.4) per cent and solvency capital was 1.6 (1.6) times the solvency limit.
Elo Mutual Insurance Company Interim Report 30.6.2021Työeläkeyhtiö Elo
In January–June, the return on Elo’s investments was 7.8 (-4.1) per cent, or EUR 2,007.5 million. The market value of Elo’s investments at the end of June was EUR 27.8 billion. The solvency ratio was 126.6 per cent and solvency capital was 1.6 times the solvency limit.
The return on Veritas’ investments was 3.3 per cent in the third quarter. The return for the entire year remains slightly negative at -1.1 per cent. The solvency ratio increased during the third quarter and was 124.3 per cent at the end of September.
In 2020, the return on Varma’s investments was 2.8 (12.0) percent or EUR 1.4 billion. The value of investments grew to EUR 50.2 (48.7) billion at the end of 2020, the year of the coronavirus.
Elo Mutual Insurance Company Interim Report 30.9.2021 presentationTyöeläkeyhtiö Elo
In January–September, the return on Elo’s investments was 9.4 per cent, or EUR 2.4 billion. The market value of the investments was EUR 28.3 billion at the end of September. The solvency ratio was 126.9 per cent and solvency capital was 1.6 times the solvency limit.
The return on Veritas’ investments was 2.3 per cent for the period of January–September. The return on fixed income investments was 3.7 per cent, equity investments 3.2 per cent, real estate -2.5 per cent and other investments 3.3 per cent.
Global growth slowed down further in the third quarter. Elo’s total return on investment remained negative due to the deterioration of the general economic situation.
Similar to Financial Statement presentation 2022 (20)
The return on Veritas’ investments was 3.7 per cent in the first quarter of the year. The return on fixed-income investments was 1.8 per cent, equity investments 6.4 per cent, real estate 0.6 per cent and other investments 2.4 per cent.
Veritas placeringar avkastade 3,7 procent under årets första kvartal. Ränteplaceringarna avkastade 1,8 procent, aktieplaceringarna 6,4 procent, fastigheterna 0,6 procent och de övriga placeringarna 2,4 procent.
Veritaksen sijoitusten tuotto oli 3,7 prosenttia vuoden ensimmäisellä neljänneksellä. Korkosijoitukset tuottivat 1,8 prosenttia, osakesijoitukset 6,4 prosenttia, kiinteistöt 0,6 prosenttia ja muut sijoitukset 2,4 prosenttia.
Veritas placeringar avkastade 5,7 procent år 2023. Ränteplaceringarna gav 7,8 procent i avkastning, aktieplaceringarna 8,7 procent, fastighetplaceringarna -4,1 procent och övriga placeringarna 4,8 procent.
Veritaksen sijoitukset tuottivat 5,7 prosenttia vuonna 2023. Korkosijoitukset tuottivat 7,8 prosenttia, osakesijoitukset 8,7 prosenttia, kiinteistösijoitukset -4,1 prosenttia ja muut sijoitukset 4,8 prosenttia.
Avkastningen på Veritas placeringar uppgick till 2,3 procent under perioden januari–september. Ränteplaceringarna avkastade 3,7 procent, aktieplaceringarna 3,2 procent, fastigheterna -2,5 procent och de övriga placeringarna 3,3 procent.
Veritaksen sijoitukset tuottivat tammi-syyskuussa 2,3 prosenttia. Korkosijoitukset tuottivat 3,7 prosenttia, osakesijoitukset 3,2 prosenttia, kiinteistösijoitukset -2,5 prosenttia ja muut sijoitukset 3,3 prosenttia.
Veritaksen sijoitukset tuottivat vuoden ensimmäisellä neljänneksellä 2,4 prosenttia. Korkosijoitukset tuottivat 3,5 prosenttia, osakesijoitukset 4,8 prosenttia, kiinteistösijoitukset -3,3 prosenttia ja muut sijoitukset 0,6 prosenttia.
The return on Veritas’ investments was 2.4 per cent in the first quarter of the year. The return on fixed-income investments was 3.5 per cent, equity investments 4.8 per cent, real estate -3.3 per cent and other investments 0.6 per cent.
Avkastningen på Veritas placeringar var 2,4 procent under första halvåret. Ränteplaceringarna avkastade 3,5 procent, aktieplaceringarna 4,8 procent, fastighetsplaceringarna -3,3 procent och de övriga placeringarna 0,6 procent.
Avkastningen på Veritas placeringar var 1,6 procent under årets första kvartal. Ränteplaceringarna avkastade 2,0 procent, aktieplaceringarna 2,4 procent, fastighetsplaceringarna 1,1 procent och de övriga placeringarna -0,6 procent.
Veritaksen sijoitukset tuottivat vuoden ensimmäisellä neljänneksellä 1,6 prosenttia. Korkosijoitukset tuottivat 2,0 prosenttia, osakesijoitukset 2,4 prosenttia, kiinteistösijoitukset 1,1 prosenttia ja muut sijoitukset -0,6 prosenttia.
Avkastningen på Veritas placeringar var 1,6 procent under årets första kvartal. Ränteplaceringarna avkastade 2,0 procent, aktieplaceringarna 2,4 procent, fastighetsplaceringarna 1,1 procent och de övriga placeringarna -0,6 procent.
Veritaksen sijoitukset tuottivat vuoden ensimmäisellä neljänneksellä 1,6 prosenttia. Korkosijoitukset tuottivat 2,0 prosenttia, osakesijoitukset 2,4 prosenttia, kiinteistösijoitukset 1,1 prosenttia ja muut sijoitukset -0,6 prosenttia.
Arbetspensionsbolaget Veritas visade stark tillväxt 2022. Veritas premieinkomst ökade med 13,4 procent till nästan 700 miljoner euro. Vid utgången av året var nästan 68 000 arbetstagare och över 14 000 företagare försäkrade hos Veritas.
Työeläkeyhtiö Veritas kasvoi vahvasti vuonna 2022. Veritaksen vakuutusmaksutulo nousi 13,4 prosenttia lähes 700 miljoonaan euroon. Vuoden lopussa Veritaksessa oli vakuutettuna lähes 68 000 työntekijää ja yli 14 000 yrittäjää.
Avkastningen på Veritas placeringar var -6,2 procent under perioden januari–september. Ränteplaceringarna avkastade -8,2 procent, aktieplaceringarna -12,6 procent, fastigheterna 3,9 procent och de övriga placeringarna 12,9 procent.
Veritaksen sijoitusten tuotto oli tammi-syyskuussa -6,2 prosenttia. Korkosijoitukset tuottivat -8,2 prosenttia, osakesijoitukset -12,6 prosenttia, kiinteistöt 3,9 prosenttia ja muut sijoitukset 12,9 prosenttia.
Veritas placeringar avkastade - 6,7 procent under det första halvåret. Ränteplaceringarna avkastade -7,6 procent, aktieplaceringar -12,5 procent, fastigheterna 2,9 procent och de övriga placeringarna 8,3 procent. Solvensen förblev på en tryggande nivå i den ständigt ändrande marknadsomgivningen.
Veritaksen sijoitusten tuotto oli ensimmäisen kahden kvartaalin aikana -6,7 prosenttia. Korkosijoitukset tuottivat -7,6 prosenttia, osakesijoitukset -12,5 prosenttia, kiinteistöt 2,9 prosenttia ja muut sijoitukset 8,3 prosenttia. Vakavaraisuus pysyi turvaavalla tasolla alati muuttuvassa markkinaympäristössä.
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What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
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what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
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how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
2. The year in brief
• In terms of sales, the year was all-time best for Veritas if measured in euros.
• Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million.
• Veritas solvency position was at a solid level at the end of the year: 1.7-fold compared to the
solvency limit.
• In the last quarter of the year, the return of Veritas’ investments amounted to 1.8 per cent.
• The overall return for the year was -4.5 per cent.
Value of
investments
TyEL payroll YEL insurance
policies
Premiums written
4. Positive return in the second half of 2022
Investment returns
7.4 %
6.5 %
5.8 %
6.6 %
8.0 %
-1.5 %
9.9 %
5.6 %
12.6 %
-4.5 %
-6.0 %
-4.0 %
-2.0 %
0.0 %
2.0 %
4.0 %
6.0 %
8.0 %
10.0 %
12.0 %
14.0 %
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
• The return on Veritas’ investments
was -4.5% in 2022.
• The return on fixed-income
instruments was -7.4 per cent,
equity investments
-8.4 per cent, real estate
investments 3.3 per cent and
other investments 10.3 per cent.
• In the fourth quarter, the
investment return was 1.8%.
5. 2022 – the year of war, inflation and rising interest rates
-8%
-7%
-6%
-5%
-4%
-3%
-2%
-1%
0%
1%
01/2022 02/2022 03/2022 04/2022 05/2022 06/2022 07/2022 08/2022 09/2022 10/2022 11/2022 12/2022
The return on Veritas’ investments 2022
Russia
attacks
Ukraine FED starts
rate hikes
Electricity prices
in Germany reach
an all-time high
ECB starts
rate hikes
US inflation
peaks
Euro area
inflation peaks
New wave of COVID-19
infections in Europe
China lifts
COVID restrictions
Sanctions against
Russia increase
6. The cumulative investment return
for a 10-year period is 71.1 per cent
90
100
110
120
130
140
150
160
170
180
190
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
The return is calculated from 1 January 2013 to 31 December 2022.
Nominal return
10 years
5.5%
5 years
4.2%
Real return
10 years
3.7%
5 years
1.2%
9. Breakdown of investments at fair value
2022
milj. € % milj. € % ⁸ %
1 361,1 32,6 1 349,3 32,3 -7,4
Loan receivables ¹ 60,5 1,4 60,5 1,4 2,2
Bonds ¹ 1 015,1 24,3 1 003,3 24,0 -10,0
Government bonds 477,5 11,4 465,6 11,1 -10,7
Other bonds 537,7 12,9 537,7 12,9 -9,1
Other money market instruments and deposits ¹ ² 285,4 6,8 285,4 6,8 0,1
Equity investments 1 599,6 38,3 1 663,9 39,8 -8,4
Listed equities 1 162,2 27,8 1 226,4 29,3 -14,7
Private equity investments ³ 374,8 9,0 374,8 9,0 11,8
Unlisted equities ⁴ 62,6 1,5 62,6 1,5 42,9
Real estate investments 670,1 16,0 670,1 16,0 3,3
Direct real estate investments 545,3 13,0 545,3 13,0 2,3
Real estate funds 124,8 3,0 124,8 3,0 8,0
Other investments 550,0 13,2 550,0 13,2 10,3
Hedge fund investments ⁵ 337,2 8,1 337,2 8,1 12,3
Other investments ⁶ 212,8 5,1 212,8 5,1 7,1
Total investments 4 180,8 100,0 4 233,2 101,3 -4,5
Effect of derivatives ⁷ -52,4 -1,3
Total investments at fair value 4 180,8 100,0
Modified duration of the bond portfolio 3,5
Open currency position, % of the market value of investments 22,3
Fixed-income investments
Basic breakdown Risk-adjusted breakdown Return
31 Dec 2022 31 Dec 2022
10. Veritas’ solvency stands at a secure level
100%
105%
110%
115%
120%
125%
130%
135%
140%
0
200
400
600
800
1 000
1 200
Solvency limit, milj. € Solvency capital, milj. € Solvency ratio, % (right-hand scale)
• The solvency ratio was
123.5 per cent at the end of
the year 2022.
• The solvency position was
1.7-fold compared to the
solvency limit.
• The solvency capital stood at
EUR 818.8 million at the end
of the year.
1) Veritas Pension Insurance and Pensions-Alandia merged on 1 January 2019. The figures for the previous years are Veritas figures before the merger.
2) The figures for 2012 include the provision for pooled claims equated with solvency capital, which was EUR 78.3 million.
12. Veritas paid out pensions to nearly 39 000 recipients
Pensions and other claims paid 1), EUR million
568.1
589.5 585.4
601.9
635.2
200.0
250.0
300.0
350.0
400.0
450.0
500.0
550.0
600.0
650.0
700.0
2018 2019 2020 2021 2022
Number of pensioners 1)
36324
37118
37627 37965
38785
20000
22000
24000
26000
28000
30000
32000
34000
36000
38000
40000
2018 2019 2020 2021 2022
1) The figures for 2018 are pro forma figures (Veritas + Pensions-Alandia)
13. Premiums written grew by 13.4 per cent
Premiums written 1, 2), EUR million
588.6 592.7
551.6
614.3
696.5
300
350
400
450
500
550
600
650
700
750
2018 2019 2020 2021 2022
Number of insured persons 2, 3)
0
20000
40000
60000
80000
100000
120000
140000
2018 2019 2020 2021 2022
Number of
pensioners
Number of YEL
policies
Number of
TyEL insured
1) The temporary discount on employers’ TyEL contributions between May and December 2020 is taken into account.
2) The figures for 2018 are pro forma figures (Veritas + Pensions-Alandia).
3) The number of TyEL-insured persons in 2019-2021 is not fully comparable with the earlier years. The definition of this key figure changed in 2019 when the Incomes Register was
taken into use.
14. Customers’ payroll grew by 10.9 per cent
TyEL payroll 1), EUR million
2133.1 2159.2 2131.4
2244.6
2488.2
1000.0
1200.0
1400.0
1600.0
1800.0
2000.0
2200.0
2400.0
2600.0
2018 2019 2020 2021 2022
Number of TyEL policies 1)
8711
8885
9385 9339 9377
5000
5500
6000
6500
7000
7500
8000
8500
9000
9500
10000
2018 2019 2020 2021 2022
1) The figures for 2018 are pro forma figures (Veritas + Pensions-Alandia)
15. Strong growth in YEL insurance policies continues
Reported income under YEL 1), EUR million
276.4
289.6 295.6 302.5
319.6
0.0
50.0
100.0
150.0
200.0
250.0
300.0
350.0
2018 2019 2020 2021 2022
Number of YEL policies 1)
12129
12940
13285
13859
14391
5000
6000
7000
8000
9000
10000
11000
12000
13000
14000
15000
2018 2019 2020 2021 2022
1) The figures for 2018 are pro forma figures (Veritas + Pensions-Alandia)
16. Result
Result analysis, EUR million 2022 2021
Technical underwriting result 11,0 8,7
Return on investments at fair value -263,9 192,6
+ Net return on investments at fair value -198,7 490,3
- Return requirement on technical provisions -65,3 -297,6
Loading profit -7,4 2,0
Other profit 0,9 -0,4
Total result -259,5 202,9
Operating income covered by expense loading component,
EUR million
26,8 18,2
% of the expense loading component 1) 138,3 % 90,3 %
Number of employees (average) 146 157
1) Veritas changed the accounting principles regarding development expenditure of IT systems in 2022. This resulted in a non-recurring impairment
of EUR 6.8 million in capitalized IT systems expenditure. Without the non-recurring impairment, the loading profit would have been EUR -0.6
million and the expense loading ratio 102.9 per cent.
In addition, a discount of 9.5 per cent was made in the TyEL expense loading component at the start of 2022. Without the discount and the non-
recurring impairment, the comparable loading profit would have been approximately EUR 1.1 million and the expense loading ratio 95 per cent.
With the impairment, the comparable figures would have been EUR -5.8 million and 128 per cent, respectively.