annual accounts 2004 2 varma 3 board of directors report 4 associated undertakings as at 31 december 10 profi t and loss account 13 balance sheet 14 statement source application funds 16 notes to the 17 accounting principles on personnel members administrative bodies 19 20 other 30 risk management 32 income fair values 36 key figures analyses 38 distribution 42 auditors 43 by supervisory terminology for are available parent company headquarters annankatu 18 helsinki finland premium increased 7 6 billion number insured employees entrepre neurs rose 700 almost 443 000 s market share was estimated have 1 percentage point around earn ings related pension pensions totalling up year before paid nearly
