Investor Presentaiton

Accounting policies and methodological choices - IFRS 17 (cont'd) Measurement models (PAA, GMM, VFA) Sampo Group PAA for P &C ►GMM and VFA for life liabilities Storebrand GMM for long-term non- participating business VFA for long-term participating business ►PAA for short-term business such as P&C and Health Sun Life Not commented Discount rate curve ►Bottom-up approach RFR + ILP ➤S2-like discount rate applied ► Not commented Talanx ►GMM for long-term business (~60%) PAA for short-term business (~35%) VFA long-term direct participating business (-5%) ►Bottom-up approach RFR + ILP OCI option for insurance finance income/expense Not commented Not commented ►Not commented ► Changes in discount rate to be recorded in OCI Zurich PAA for P&C BBA (GMM)/VFA for life insurance ►Bottom-up approach RFR ILP (Illiquidity premium not applied for onerous contracts) ► Applied disaggregation approach incl. for RA 34 Market updates on impact of IFRS 17 and IFRS 9 EY

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