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Varma’s Annual and CSR Report 2017 - Varma

Excellent year helps build the future

Excellent year helps build the future

2017 was a record-breaking year for Varma. Our investment assets, solvency and cost efficiency are at record-high levels. Responsibility is our strength, and it is present in everything we do.

Thanks to our achievements, we are in an excellent position to innovate and improve in 2018!

The year in brief

Return on investments


Value of investments, € billion


Strong solvency, € billion


Client bonuses, € million


Goals and results

  • We handle pensions correctly and on time. Varma processes pensions 6 days faster than the sector average.
  • Our solvency is at a record high. Varma has been the most solvent earnings-related pension company in Finland since the financial crisis.
  • Premiums written have shown positive development for the past 5 years. Our customers value our high-quality services and strong competence in the field of earnings-related pensions.
  • Varma is by far the most efficient pension insurance company in Finland. Strong solvency and efficient operations guarantee the most competitive client bonuses in the sector.
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