Investor Presentaiton

Accounting policies and methodological choices - IFRS 17 (cont'd) Risk adjustment information Sampo Group ► Confidence level approach Non-attributable expenses Transition method Not commented ►Full retrospective approach to be applied in the Group's non-life companies whereas all transition methods are expected to be applied in the Group's life company 38 Market updates on impact of IFRS 17 and IFRS 9 A Storebrand Sun Life No specific comment Not commented Not commented Not commented Not commented Not commented Talanx Percentile approach in primary insurance (65%- 75%) ►Pricing margin approach in reinsurance (non- financial risk loadings in premium) ► Not commented FVA where FRA/MRA not applicable ►FVA used for insurance liabilities before 2016 due to lack of detailed yield curve data Zurich Percentile approach, based on SST target level of 160%, with a periodical review of cost of capital ► Not commented For L&H, 80% of CSM based on retrospective approach, 20% on FVA Discount rates 2021 used for pre 2016 P&C LIC No restatement of 2022 numbers under IFRS 9 EY

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