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Corporate responsibility factbook Sampo Group Q3/2021 3 November 2021
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Corporate responsibility factbookSampo Group

Q3/2021

3 November 2021

Disclaimer

This presentation may contain forward-looking statements that reflect management’s current views with respect to certain future events and potential financial performance. Although Sampo believes that the expectations reflected in such forward-looking statements are reasonable, no assurance can be given that such expectations will prove to have been correct. Accordingly, results could differ materially form those set out in the forward-looking statements as a result of various factors.Important factors that may cause such a difference for Sampo include, but are not limited to: (i) the macroeconomic development, (ii) change in the competitive climate, and (iii) developments in capital markets.This presentation does not imply that Sampo has undertaken to revise these forward-looking statements, beyond what is required by applicable law or applicable stock exchange regulations if and when circumstances arise that will lead to changes compared to the date when these statements were provided.

Key takeaways from this presentation

This presentation and corporate responsibility in general at Sampo Group are structured around four corporate responsibility themes: business management and practices, corporate culture, investment management and operations, and responsibility in communities.Corporate responsibility is an important focus area for Sampo Group and, therefore, development around the most material themes is constant and a key priority for the Group companies.Sampo Group measures its corporate responsibility performance on a group-level using several key performance indicators (KPIs), some of which are highlighted in this presentation.The ambition is to develop the KPIs further, study new possibilities, and improve the corporate responsibility disclosure continuously. The presentation is updated quarterly, however some data is only updated annually, and therefore year end or full year figures are provided.

23 November 2021

Corporate responsibility management

33 November 2021

THEME MATERIAL TOPICS OBJECTIVE EXAMPLES OF 2020 KPIs LINK TO THE SDGs

Responsible businessmanagement and practices

- Anti-corruption and bribery- AML and CTF- Data privacy- Information security and cybersecurity- Human rights and labor practices- Responsible products and services- Responsible sales and marketing- Environmental impacts of own operations

Sampo Group ensures responsibility in governance and business operations.

- Reported corruption and bribery incidents*: 0- Reported AML and CTF incidents*: 0- Information and cybersecurity incidents reported to authorities*: 1- Reported human rights incidents*: 0- Scope 1–3 GHG emissions from own operations*, tCO2e: 11,327- Scope 1–3 GHG emissions per employee*, tCO2e: 1.26

Responsible corporate culture

- Diversity and equality- Health and well-being- Employee engagement- Competence development- Remuneration

Sampo Group provides a non-discriminatory corporate culture promoting employee well-being, diversity and equality, employee engagement, and competence development.

Sampo Group's corporate culture and employer image attract and retain competent and professional employees.

- Full-time employees, %: 92.0- Employees on temporary contracts, %: 1.5- Employees covered by collective bargaining agreements, %: 66.9 - Employee turnover*, %: 10.1- Share of women, %: 50.2- Share of women managers, %: 44.6- Absence due to illness*, %: 2.7- Average annual external training cost per employee*, EUR: 617- Gender pay gap (fixed and variable compensation)*: 0.74

Responsible investment management and operations

- Commitment to responsible investing- ESG strategies across asset classes- Carbon footprint and climate impact

assessment

Sampo Group integrates ESG considerations into its investment management and operations.

- Carbon footprint of investments (Scope 1 & 2 emissions of Group’s direct equity and direct fixed income investments), tCO2e: 824,711

- Weighted average carbon intensity, tCO2e/EURm revenue: 68.11

Responsibility in communities

- Stakeholder engagement and dialogue- Donations and other humanitarian efforts- Customer satisfaction- Tax footprint

Sampo Group provides safety, well-being, and financial security in the society.

- Taxes payable and collected*, EURm: 1,712.3- Donations*, EUR: 162,400- If NPS, BA Private: 60- Topdanmark tNPS, contact by phone: 58.7- Topdanmark tNPS, digital self-service: 45.1- Mandatum NPS, Finland: 72.5- Mandatum NPS, the Baltics: 74.4

Corporate responsibility themes and objectives, Sampo Group

* Excluding Hastings4

Sampo Group If

Examples of initiatives and commitmentsTopdanmark

Sampo plcMandatumHastings

53 November 2021

Examples of Sampo plc’s ESG ratings

: 17.3

Prime

ESG rating agencies Rating and scale Rating distribution and/or ranking

Rating of Sampo plc: 52/100

(Average of respondents: 39/100)Percentile rank of Sampo plc: 70

63 November 2021

Business management and practices

73 November 2021

Adherence to applicable laws, regulations, and guidelines, Sampo Group (excluding Hastings)

2018 2019 2020

Anti-corruption and bribery • No reported incidents. • No reported incidents. • No reported incidents.

Anti-money laundering and counter-terrorist financing

• Suspicions reported to the authorities.

• No internally reported incidents.

• Suspicions reported to the authorities.

• No internally reported incidents.

• Suspicions reported to the authorities.

• No internally reported incidents.

Data privacy - • No complaints from authorities. • 3 complaints from data subjects.

• 10 complaints from authorities.* • 74 complaints from data subjects. **

Information security and cybersecurity • 2 incidents reported to the authorities.

• No incidents reported to the authorities.

• 1 incident reported to the authorities.

Human rights and labor practices - • No reported incidents. • No reported incidents.

More information is available in the Sampo Group Corporate Responsibility Report 2020 www.sampo.com/year2020.

* The complaints from regulatory bodies were customer complaints filed directly with the authorities or responses to requests for clarification.** The increase in complaints is primarily due to the data subjects’ overall greater awareness and knowledge of their rights.

83 November 2021

GHG emission by company

1.41

3.05

1.21

5.79

1.86

0.71

2.481.96 1.75

1.26

0.00

1.00

2.00

3.00

4.00

5.00

6.00

7.00

If Topdanmark Mandatum Sampo plc Sampo Group

2019 2020

GHG emissions per employee

8,39

5

7,08

2

571

365

16,4

13

4,21

0 6,02

3

977

117

11,3

27

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000

If Topdanmark Mandatum Sampo plc SampoGroup

2019 2020

GHG emissions of own operations, Sampo Group (excluding Hastings)

tCO2e

Calculated using group-level calculation principles and FTE average figures. The increase in Mandatum’s figure is mainly due to improved data availability that is part of the calculations.

tCO2e

Target: Carbonneutral by 2030.

Target: -60% by the end of 2021, baseline 2008.

93 November 2021

2019, tCO2e 2020, tCO2e

Source of GHG emissions, Sampo Group (excluding Hastings)

Business travel,

9,484, 57.8%

Electricity, 2,055, 12.5%

Stationary and mobile combustion, 1,534,

9.3%

Fuel and energy related activities,

1,239, 7.5%

IT and cloud services, 1,063, 6.5%

Heating and cooling, 874, 5.3%

Other; 164; 1.0% Business travel,

3,561, 31.4%

Electricity, 2,131, 18.8%

IT and cloud services, 1,648,

14.5%

Stationary and mobile

combustion, 1,515, 13.4%

Fuel and energy related

activities, 1,293, 11.4%

Heating and cooling, 756, 6.7%

Other; 423; 3.7%

103 November 2021

ESG framework for underwriting Science Based Target initiative (SBTi)

If has committed to the Science Based Targets initiative (SBTi):

• Ambitious climate targets to be set in order to help limit global warming in line with the Paris Agreement

• Main focus on investment portfolio (>50% already aligned to Paris Agreement) and claims handling

• GHG emissions from own operations -59% during 2008-2019• Claims partners already follow If’s Supplier Code of Conduct and are

encouraged to reuse and recycle instead of using new spare parts

11

Examples of recent development:If – ESG in underwriting and ambitious climate targets

SBTi is a joint initiative between the UN, WWF, CDP and World Resources Institute

If’s internal framework for ESG in underwriting:

• Adopted in Q2/2021 for corporate clients• Based on the UN Global Compact • Norms-based research provided by external service provider• Initial focus on large corporate clients • More than 400 clients have already undergone the screening • ESG team has assessed about 10 clients• No insurance contracts have been terminated

3 November 2021

Corporate culture

123 November 2021

By company

Number of employees (FTE), Sampo Group

6,925 7,120 7,245

2,366 2,456 2,419

2,965 3,019

573

568 629

64

69 46

9,927

13,178 13,358

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

31 Dec. 2019 31 Dec. 2020 30 Sep. 2021

If Topdanmark Hastings Mandatum Sampo plc

By country

2,958 3,031 3,003

62,943 2,9922,274

2,302 2,3402,313

2,249 2,2931,376

1,507 1,523

978

984 1,028

22

162 178

9,927

13,178 13,358

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

31 Dec. 2019 31 Dec. 2020 30 Sep. 2021Denmark UK Sweden FinlandNorway Baltics Other countries

133 November 2021

Employment

143 November 2021

Share of full-time employees, 31 Dec. 2020 Share of employees on temporarycontracts, 31 Dec. 2020

1.3%

2.0%

1.0%

4.0%

0.0%

1.5%

0%

1%

1%

2%

2%

3%

3%

4%

4%

5%

Types of employment, Sampo GroupShare of employees covered by collectivebargaining agreements*, 31 Dec. 2020

94.1%93.2%85.4%

93.9%100.0%

92.0%

0.0%

10.0%

20.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

100.0%87.7%

96.6%

0.0%

52.9%

66.9%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

* All figures include only employees that are truly covered by collective agreements. There are many employees whose employment terms the agreement is applied to even if they are not covered by the agreement. ** The total number of employees is too small to allow fair reporting.

153 November 2021

Diversity and inclusion

163 November 2021

Sampo plc’s Board of DirectorsTarget: At least 37.5% of both genders

Group Executive Committee

Gender distribution of the Board of Directors and the Group Executive Committee

62.5% 62.5% 62.5%

37.5% 37.5% 37.5%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

31 Dec. 2019 31 Dec. 2020 30 Sep. 2021

Male Female

87.5% 87.5% 85.7%

12.5% 12.5% 14.3%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

31 Dec. 2019 31 Dec. 2020 30 Sep. 2021

Male Female

The latest composition of the Board and the Executive Committee can be viewed at www.sampo.com/governance/board-of-directors and www.sampo.com/governance/executive-committee.

173 November 2021

All employees Managers (all levels of management)

Gender distribution of personnel (FTE), Sampo Group, 31 December 2020

46%58% 51% 50% 46% 50%

54%42% 49% 50% 54% 50%

0%10%20%30%40%50%60%70%80%90%

100%

Male Female

(46%)(57%)

(49%) (44%) (49%)

(54%) (43%) (51%) (56%) (51%)

53% 59% 57% 61% 69%55%

47% 41% 43% 39% 31%45%

0%10%20%30%40%50%60%70%80%90%

100%

Male Female

(52%) (60%) (62%) (57%)(55%)

(48%) (40%) (38%) (43%)(45%)

Previous year’s figures in brackets. Hastings is only included in 2020 figures. Topdanmark's hourly paid employees are not included in the calculations.

183 November 2021

Share of female managers at the highest management levels, Sampo Group, 31 December 2020

Level 1 (the Group CEO and President)

Level 2 (the CEOs of Sampo plc’s subsidiaries)

Level 3 (reporting to any of

the CEOs)Level 4

(reporting to level 3)Total, top 4 levels

per company

If - 0.0% 20.0% 47.9% 44.2%

Topdanmark - 0.0% 0.0% 25.0% 20.8%

Hastings - 0.0% 10.0% 35.6% 31.0%

Mandatum - 0.0% 44.4% 25.1% 28.7%

Sampo plc 0.0% - 20.0% 33.3% 25.0%

Sampo Group 0.0% 0.0% 21.6% 37.7% 34.3%

193 November 2021

Age distribution of personnel (FTE), Sampo Group, 31 December 2020

17% 15%

47%

17% 16%24%

55%51%

42%

58%52%

51%

28% 34%

11%25%

32%25%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

If Topdanmark Hastings Mandatum Sampo plc Sampo Group

<30 years 30-50 years >50 years

(19%)(15%)

(54%)

(31%)(25%)

(59%)

(17%)

(36%)

(47%)

(17%)

(53%)

(28%)(27%)

(54%)

(18%)

Previous year’s figures in brackets. Hastings is only included in 2020 figures.

203 November 2021

Health and well-being

213 November 2021

By company By country

Absence due to illness, Sampo Group (excluding Hastings)

Due to acquisitions, the other countries included France, Germany, the Netherlands, Spain, and the UK in 2020 and France, Germany, the Netherlands, and the UK in 2019.

3.3%

2.5%

1.7% 1.7%

3.0%3.0%

2.4%

1.4%

0.5%

2.7%

0.0%

0.5%

1.0%

1.5%

2.0%

2.5%

3.0%

3.5%

If Topdanmark Mandatum Sampo plc SampoGroup

2019 2020

4.2%

3.6%

3.1%

2.4%

1.7%

1.1% 1.

4%

1.3%

3.6%

3.6%

2.5%

2.3%

1.1%

1.0%

0.9%

4.6%

0.0%

1.0%

2.0%

3.0%

4.0%

5.0%

2019 2020

223 November 2021

By company By country

Employee turnover, Sampo Group (excluding Hastings)

11.6%12.6%

11.3%

14.1%

11.9%

10.1%11.0%

8.1%

4.5%

10.1%

0.0%

2.0%

4.0%

6.0%

8.0%

10.0%

12.0%

14.0%

16.0%

If Topdanmark Mandatum Sampo plc SampoGroup

2019 2020

16.6

%

15.4

%

13.1

%

11.4

%

10.9

%

8.0%

7.5%

6.9%

12.1

%

10.7

%

11.9

%

7.1% 8.

8% 9.2%

6.2%

22.3

%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

2019 2020External turnover including monthly paid permanent employees. Including employees leaving on pension. Calculated using headcount.Due to acquisitions, the other countries included France, Germany, the Netherlands, Spain, and the UK in 2020 and France, Germany, the Netherlands, and the UK in 2019.

233 November 2021

If • If measures employee satisfaction twice a year

with employee Net Promoter Score (eNPS).• Target is that the eNPS should be above 50 by

2021. The scale is -100 to 100.

4247

5154

4854

0

10

20

30

40

50

60

Fall2018

Spring2019

Fall2019

Spring2020

Fall2020

Spring2021

Topdanmark• Topdanmark conducts an annual company-wide

survey on well-being and commitment. • Target for 2021 is to maintain the same result, 78

points. The scale is 0-100.

Employee satisfactionMandatum• Mandatum measures employee satisfaction annually

using the Great Place to Work Finland survey.• Target is for 90% of Mandatum’s personnel to feel

that they are employed in a very good workplace. The scale is 0-100%.

76 78

0102030405060708090

100

2019 2020

90% 92% 95%

0%10%20%30%40%50%60%70%80%90%

100%

2019 2020 2021

243 November 2021

Remuneration

253 November 2021

Long-term incentives170

managers and key persons

Short-term incentives8,900 employees

Fixed compensation and other benefitsTotal personnel: 10,200 employees

Remuneration structure, Sampo Group (excluding Hastings)

Based on the contribution to the company’s profitability and on individual performance. Can include individual ESG criteria.

Shall be fair and competitive, but not leading in the market and is based on the employee's general responsibility level and position in the organization.

Commit employees and align the employees’ interests with those of the shareholders. Can include individual ESG criteria, which are linked to the performance of respective division.

2020

263 November 2021

Average annual employee remuneration

62,469 63,237 62,99470,994 70,781 69,580

9,509 9,813 10,252

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

20,000

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

2018 2019 2020

Fixed compensationFixed and variable compensationAverage number of employees (FTE)

Average annual remuneration by gender

56,156 55,986

70,728 70,264

59,804 59,399

82,391 80,140

0

10,000

20,000

30,000

40,000

50,000

60,000

70,000

80,000

90,000

2019 2020

Female (fixed) Male (fixed)Female (fixed and variable) Male (fixed and variable)

Employee remuneration, Sampo Group (excluding Hastings)

Exchange rates have an impact on the figures.

EUR employees EUR

Exchange rates have an impact on the figures. Figures do not show pay for the same/similar jobs.273 November 2021

Investment management and operations

283 November 2021

Investment allocation according to ESG risk categories, Sampo Group (excluding Topdanmark and Hastings), 30 Sep. 2021

30 Sep. 2021

Weighted average ESG risk rating of Sampo Group’s direct fixed income and equity investments (0-100)

18

Market value of Sampo Group’s direct fixed income and equity investments with ESG risk rating (EURm)

12,768

Sampo Group’s total investments (EURm) 20,531

ESG integration: Traffic light model

Low risk, 38%

Medium risk, 58%

High risk, 3%

Severe risk, 0%

Direct equity and fixed income investments of If, Mandatum, and Sampo plc. The risk rating categories (low, medium, high, severe) are based on external service provider’s ESG risk ratings. The thresholds for each category are determined internally.

293 November 2021

Sector-based screening: Sensitive sectors

Sensitive sectors The number of companies invested in, 30 Sep. 2021 Brief analysis

Adult entertainment• Direct involvement (production/sales): 0• Indirect involvement (subcontracting/distribution): 0 -

Tobacco• Direct involvement: 1• Indirect involvement: 0 -

Gambling• Direct involvement: 5• Indirect involvement: 0

• For 4 of the companies less than 1% of revenues are related to gambling, and for 1 of the companies less than 5% of revenues are related to gambling.

Defense materiel• Direct involvement: 25• Indirect involvement: 1

• For 24 of the companies less than 5% of revenues are related to defense materiel.

Industry The number of companies invested in, 30 Jun. 2021 Brief analysis

Controversial weapons • Direct involvement: 0 -

Coal mining • Direct involvement: 8• For 3 of the companies the relation to coal mining is production, for the

others the link is through services provided for the sector. Direct equity and fixed income investments of If, Mandatum, and Sampo plc. Based on information provided by an external service provider.

The share of Sampo Group’s (excluding Topdanmark and Hastings) total investments in sensitive sectors on 30 Sep. 2021: 4%The total number of companies in sensitive sectors on 30 Sep. 2021: 36

303 November 2021

Other, 95%

Amber (credible allegations), 5%

Red (confirmed incident); 0%

Investment allocation according to the norms-based screening, Sampo Group (excluding Topdanmark and Hastings), 30 Sep. 2021

Norms-based screening

Direct equity and fixed income investments of If, Mandatum, and Sampo plc. Based on information provided by an external service provider.313 November 2021

Active ownership

The number of potential pooled engagements reviewed

internally

The number of pooled engagements participated in Reasons for the engagement

Q1/2021 2 1 Labor rights

Q2/2021 0 0 -

Q3/2021 3 0 -

Q4/2021 2 0 -

2021, total 7 1

Pooled engagement, Sampo Group (excluding Topdanmark and Hastings)

Voting at AGMs, Sampo Group (excluding Topdanmark and Hastings)The number of AGMs attended (physically,

pre-voting, or with power of attorney) Voting behavior

January–October 2021 25 For the Board’s proposal: 24Abstein from voting: 1

323 November 2021

Target ScopeBaseline

year

Target year,

by end of year Progress by Dec. 31, 2020

Reduce water consumption by 10%

Mandatum, If, and

Sampo plc 2018 2022

Water consumption reduced by 23.7per cent. The result was impacted by

COVID-19.

Achieve carbon neutrality regarding the properties’ own energy consumption (electricity and heating/cooling)

Mandatum, If, and

Sampo plc 2019 2025

Carbon footprint (Scope 1 and 2 emissions):

3,173 tCO2e

Reach a recycling rate of 55%

Mandatum, If, and

Sampo plc 2020 2025The recycling rate was 46 per cent

and data coverage 92 per cent.

Reduce energy consumption by 20%

Mandatum, If, and

Sampo plc* 2015 2025Energy consumption has reduced by

17.6 per cent.

Initiate GRESB reporting and get three stars (Mandatum) Mandatum 2019 2025

Three stars achieved in 2020. Update: Four stars achieved in 2021.

New target to be considered.

Real estate investments, Sampo Group, 30 September 2021

33

Sustainability considerations in direct real estate investments

Mandatum, 18, 100%

* Calculated energy efficiency in accordance with the Energy Efficiency Agreement. The Energy Efficiency Agreementand the figures related to it include also the properties of Mandatum Life Vuokratontit I Ky, SaKa Hallikiinteistöt Ky, and Keskinäinen Vakuutusyhtiö Kaleva, which are not part of Sampo Group, but managed by Mandatum Asset Management’sreal estate investment unit.

3 November 2021

Carbon footprint of investments, Sampo Group, 31 Dec. 2020

Sampo Group’s direct equity and fixed income

investments

Benchmark (iShares MSCI

World ETF)

Net performance (Sampo vs. benchmark)

Financed Scope 1 and 2 emissions (tCO2e) 824,711 1,077,779 23.5%

Financed emissions including Scope 3 (tCO2e) 2,539,330 4,577,683 44.5%

Relative carbon footprint (tCO2e) 48.72 63.67 23.5%

Carbon intensity(tCO2e/EURmrevenue) 176.55 182.72 3.4%

Weighted average carbon intensity (tCO2e/EURmrevenue) 68.11 169.54 59.8%

Sector contribution to emissions, Sampo Group, 31 Dec. 2020

34

Carbon footprint of investments and sector contributions to emissions

Direct equity and fixed income investments of If, Topdanmark, Hastings, Mandatum, and Sampo plc. The carbon footprint calculations included 93.7 per cent of Sampo Group’s total direct equity investments and 81.3 per cent of direct fixed incomeinvestments as of December 31, 2020. The equity and fixed income portfolios included in the carbon footprint report had market values of EUR 2,261 million and EUR 14,667 million, respectively. That means that the carbon footprint analysis covered 61.5 per cent of all Sampo Group’s investments at the end of 2020. More information on the carbon footprint and the calculation method is available in the Sampo Group Corporate Responsibility Report 2020 www.sampo.com/year2020.

Materials, 28%

Industrials, 14%

Utilities, 7%

Energy, 4%Consumer discretionary, 2%

Real estate, 2%

Consumer staples, 1%

Other, 42%

Direct equity and fixed income investments of If, Topdanmark, Hastings, Mandatum, and Sampo plc. Emission contributions for all other portfolio sectors is less than 1 per cent for each sector. More information on the carbon footprint and the calculation method is available in the Sampo Group Corporate Responsibility Report 2020 www.sampo.com/year2020.

3 November 2021

Communities

353 November 2021

Taxes payable and collected, Sampo Group (excluding Hastings)EURm 2019 2020Taxes payable by the Group Corporate income tax 299.0 286.8

Employment taxes 115.9 118.7

Other taxes 9.2 10.5

Taxes collected by the Group VAT 40.1 43.8

Insurance premium tax 488.0 411.5

Other taxes and charges 737.2 716.7

Withholding tax 143.1 124.3

Total 1,832.5 1,712.3Effective tax rate (%) 22.1 24.5*

* Group effective tax rate excluding the share of associates. The rate is higher due to the differences between accounting and tax regulations and the previous year’s tax corrections.

Further information on taxes is available in the Sampo Group Corporate Responsibility Report 2020 (www.sampo.com/year2020).

363 November 2021

IfTarget: Increase in score

57 59 60

0

10

20

30

40

50

60

70

80

2018 2019 2020

NPS, BA Private

TopdanmarkTarget: Increase in score

3844 4545

48

59

0

10

20

30

40

50

60

70

80

2018 2019 2020

tNPS, contact by phonetNPS, digital self-service

Customer satisfactionMandatumTarget: Finland 70.0 by the end of 2021, the Baltics 65.0 by 2021

43

61

74.4

66.2 66.472.5

0

10

20

30

40

50

60

70

80

2018 2019 2020

NPS, the Baltics NPS, Finland

Net Promoter Score (NPS) is an index ranging from -100 to 100 that measures the willingness of customers to recommend a company’s products or services to others. It is used as a proxy for gauging the customer’s overall satisfaction with a company’s product or service and the customer’s loyalty to the brand. Transactional NPS (tNPS) is meant to assess the customer’s opinion on a certain business transaction. The score shows whether customers want to recommend a company to others after they have been in contact with the company. 37

Sampo plcFabianinkatu 2700100 Helsinki, Finland

Phone: +358 10 516 0100Business ID: 0142213-3

www.sampo.com@Sampo_plcsampo-plcsampo_oyj


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