We see good opportunities for continued future growth. Our markets, occupational pension and savings are large (364 billions premiums 2023) and growing rapidly (7% p.a. last five years) driven by fundamentals such as population growth, well paid jobs, wage increases and increased savings where portfolio bond insurance, where Futur is the market leader is growing faster (11% p.a. last five years). We will continue to cooperate with independent wealth management and pension advisors. We are convinced that their expertise combined with our platform and well-sorted fund offering meets the customers’ needs in the best way which explains why they will continue to gain market share, both in wealth management and pension. Our efficient platform uses digital integrations (API:s) which ensures high scalability and thus we have no limit in number of partners, customers or insurances we can serve with our current model. Today we focus on and operate exclusively on the Swedish market where there is ample room to grow for decades. However, we do not rule out the possibility of expanding to more markets when the opportunity arises.

Futur has significantly increased its premium volume and assets under management in recent years, due to a competitive service offering, good service and strong partnerships. Our number of employees has increased because the company has chosen to have permanent employees instead of consultants, especially in IT. Continuous streamlining helps ensure that administrative costs do not rise at the same rate as assets under management and premium volume.

To perform a general evaluation of the company, in addition to the development of premiums, assets under management and profit, analysts usually analyse KPIs that indicate the relationship between the size of assets under management (or premium volume) and administrative costs (or number of employees).

The solvency capital requirement is a measure calculated in accordance with solvency regulations. It indicates the ratio between the company’s obligations and the size of the company’s capital base.

* All operating costs excluding commissions, depreciation of capitalised acquisition costs and acquisition costs.

Solvency capital requirement is a measure calculated in accordance with solvency regulations. It indicates the ratio between the company’s obligations and the size of the company’s capital base. As mentioned above, because Futur Pension offers fund and deposit insurance, the policyholders bear the investment risk.