Board of Directors' Report and Financial Statements

The report describes strong 2023 performance, with gross written premiums and brokerage income rising to EUR 8,870 million and the underwriting result reaching EUR 1,164 million. It also records completion of the partial demerger separating Mandatum from Sampo Group on 1 October 2023. On sustainability, the company conducted a double materiality assessment and committed to the SBTi while developing climate targets for its operations and investments.