Year 2013

Pohjola reported record consolidated earnings in 2013 and its market position strengthened during the year. Great success in customer businesses, especially in Banking and Non-life Insurance, and cost savings generated by the efficiency-enhancement programme were the key drivers behind our improved earnings. Funding and liquidity positions remained good and the Core Tier 1 ratio improved.




Earnings before tax


Earnings before tax, Change between 2012 and 2013


Balance sheet total


Capital base and capital adequacy


GDP volume change



The President and CEO's Review

In 2013, Pohjola continued to grow strongly and posted record earnings.

Read Jouko Pölönen, President and CEO's review.



2013 consolidated earnings before tax were € 473 million.


Risks and capital adequacy

Read more in the Report by the Board of Directors on Risk management and Capital adequacy.

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